Intro – Point Loma Credit Union Reviews & Ranking


AdvisoryHQ recently published its list and review of the top credit unions in San Diego, California, a list that included Point Loma Credit Union.

Below we have highlighted some of the many reasons Point Loma Credit Union was selected as one of the best credit unions in San Diego, California.

Click here for a detailed review of AdvisoryHQ’s selection methodology: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.



Point Loma Credit Union Review


Point Loma Credit Union (PLCU) is a member-owned credit union in San Diego, established in 1948 for the employees of the Naval Electronics Laboratory. Since that time, the membership has expanded, and anyone who lives, works, or worships in San Diego or Riverside County, as well as their families, is eligible for membership.

As it stands currently, Point Loma Credit Union offers a full line-up of products and services ranging from basic checking accounts to loans and credit cards. 



Key Factors That Enabled This Credit Union to Rank as One of the Top San Diego Credit Unions

When comparing San Diego County credit unions, the following are some reasons Point Loma was selected as a top pick for the best credit union in San Diego.

Point Loma Credit Union Review: Any Access Checking

With all checking accounts from Point Loma, there are standard features and benefits, including unlimited free transactions at PLCU ATMs, eight free withdrawals per month at CO-OP network ATMs, the inclusion of a Visa Check Card, and free e-Statements.

With Any Access Checking from this credit union in San Diego, participants receive direct deposit capabilities, and their balances accrue interest. It’s also an ideal account for members seeking unlimited check writing options.

For members who keep a minimum balance of $400 in their Any Access account, there is no monthly service fee.

Point Loma Credit Union Review: Lighthouse Relationship Plans

Point Loma is a credit union in San Diego that rewards members for their relationship. There are several programs called “Lighthouse Relationships Plans,” and the rewards are based on things such as their combined share and loan balance held with the credit union.

For example, the Bonita Plan is tailored to members with anywhere between $1,000 and $4,999 in combined loans and shares. They receive free check cashing and notary services, free e-Statements, unlimited CO-OP ATM transactions, and a 25 basis point reduction on consumer loans.



Point Loma Credit Union Review: Solar Loans

Point Loma is a credit union in San Diego offering a variety of loan products, including solar loansThese loans are designed to help people conserve energy and reduce their monthly energy costs.

In addition to loan availability, participants can take advantage of NEM, which is a billing arrangement that lets members receive credit for the full retail value of the electricity their system exports to the utility.

There are also resources available from Point Loma Credit Union that let members find solar contractors serving their area, use a Clean Power Estimator, which shows estimates of solar savings, and resources to learn about energy-efficiency rebates.

Point Loma Credit Union Review: Platinum Visa

Among credit card offers available from Point Loma, Platinum Visa is the premier option. The Platinum Visa offers a credit line up to $50,000 along with $200,000 in Travel Accident Insurance.

EStatements are available for easy financial management, and users can access their account anytime through PLCU online.

You can set up automatic payment transfers from your shared account with Point Loma, and other benefits include auto rental insurance, travel and emergency assistance, and warranty manager service.



In addition to reviewing the above Point Loma Credit Union review, you can click on any of the below links for exclusive reviews of all top rated credit unions in San Diego, California:



AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.