skip to main content

Now more convenient for you, all branches open at 9 am Monday – Friday!


Savings Accounts

Accounts to suit your style of saving

At PLCU we know the importance of saving for a financial emergency. We also know saving for a vacation or college education can be just as important. With our various savings accounts, you will be sure to find one that will meet your purpose.


Share Savings Account

Special features set our Share Savings account apart from your average savings account:

  • Competitive monthly dividends
  • Bank by phone service
  • Collateral for secured loans
  • Option of automatic deposit/direct deposit



Money Management Account

Maximize the return on your cash account, earning higher rates than normal savings and checking accounts. A Money Management account gets you close to share certificate rates without actually being a share certificate. In fact, the Money Management account is more flexible than a share certificate.

  • Dividends paid monthly on balances of $1,000 or more
  • $1,000 minimum opening deposit
  • Collateral for Secured Loans
  • Check writing convenience, 3 per month

Health Savings account offered through PLCU Open Today

Health Savings Account

A Health Savings Account, or HSA, is designed to help members or members and their families who are covered by a High Deductible Health Insurance Plan (HDHP) to take advantage of possible tax savings. HSAs are IRA-like accounts that are designed to cover medical expenses incurred by the HSA account owner, the account owner’s spouse and his or her dependents. HSA contributions are deductible and, if amounts are used for qualified medical expenses, distributions of principal and earnings are tax free.
Please consult your tax advisor for details.

Frequently asked questions regarding HSA’s can be found on the US Treasury site.

 Click HERE to read the US Treasury HSA frequently asked questions.



Holiday Club Savings account offered through PLCU Open Today

Holiday Club Account

Our Holiday Club account is perfect for when you want to save for something specific, like holiday gifts or a ski vacation. You can set up a direct deposit and get where you want to go with the same high dividends as our Share Savings account. Once a year, the week before Thanksgiving, PLCU sends you a check just in time for the holidays.



"Choice Endings" funeral savings information Open Today

Choice Endings

A funeral is one of the most expensive purchases you or your family will ever make. A traditional funeral, including a casket and vault, costs about $6,000. Add flowers, obituary notices, acknowledgment cards and limousines, and your total can run well over $10,000. But it doesn't have to. Being a wise consumer and knowing your rights can save you and your family thousands.

 Choice Endings information is available by clicking HERE.


Terms of Use: The Point Loma Credit Union website is for the exclusive use of its members and non-members interested in the services of the credit union. Any unauthorized or unlawful use is strictly prohibited.

Disclaimer: Point Loma Credit Union is not responsible for the privacy practices or the content of websites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the Point Loma Credit Union website, we cannot guarantee that all information is current. Please contact the credit union Call Center directly for the most current information at 858-495-3400.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 858-495-3400 or 888-495-3400 for assistance. Also, products, services and information available on this website are also available at any of our physical branches, where we would be happy to assist you further.

Follow us!
  Facebook iconInstagram iconTwitter iconYoutube icon


Favorite: Local Credit Union, Auto Loans, Financial Planning, Mortgage/Home Loans,Place to Work

PLCU Online Banking app available now:

Download on the App Store

Android app on Google Play

Your savings Federally insured to $250,000
by the NCUA, National Credit Union Administration, a US government agency.

National Credit Union AdministrationPLCU is an Equal Housing LenderAmerica's Credit Unions

Copyright © 1998-2018
Point Loma Credit Union | All Rights Reserved