Point Loma Credit Union (PLCU) of San Diego, California has been in service for more than 66 years, currently from 6 locations. Its field of membership is a state-chartered natural person credit union.
Checking services include no cost share drafts, share certificates with low minimum balance requirements, bill pay services, overdraft protection and overdraft lines of credit. Debit cards, ATMs with no surcharges and prepaid debit cards are available.
For members needing to establish credit, the credit union offers a credit builder program, share-secured credit cards and micro consumer loans. Financial counseling, financial education and financial literacy workshops are available.
Besides automobile loans and other kinds of borrowing, PLCU can do real estate loans, has a first time homebuyer program and can grant interest only or payment option first mortgage loans. Conveniences include check cashing and money orders. Point Loma CU members may also benefit from bilingual services, student scholarships, income tax preparation assistance and loans based on expected tax refund.
Services to businesses and professionals include business share accounts, business loans, micro business loans, mortgage processing and the credit union is an approved mortgage seller. People having other financial, savings, and investment needs will appreciate health savings accounts, certificates of deposits and insurance/investment products that are offered.
Available electronic access to PLCU includes Internet account access, bank by phone and wireless phone apps. From home, you can apply to join the credit union, take out a loan, look at your balance, order share drafts, setup a new share account, loan payments, view account history, transfer money, online bill pay, download your account history, view statements and capture remote deposits.
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