Point Loma Credit Union

Very disappointed with this bank. I got a car loan from them in 2011, and I almost paid it off. I have been making double payments every month just to pay off the loan quicker and earn a good relationship with this bank. But when recently I came to them for personal loan, they just turned me away and ignored the fact that I have been loyal customer and never missed a payment even by a day. Moreover, it is not like, I don’t have job; I have two of them one full-​time and one part-​time. Additionally, I have a successful business that I started 8 months ago. I did not expect this kind treatment. I just cannot explain how disappointed I am. In couple of months I paying off the loan and never coming back to this bank. So if you are thinking that once you start relationship with this bank and maintain it, they will count it and help you out in the future then go somewhere else.

I’ve had problem after problem with this bank. Latest example, deposited $ 200.00 CASH, not a check, into the ATM (located at the branch by the way). This was done on the 15^th to cover a bill that would automatically come out on the 19^th. Well there still holding my cash on the 20^th, 5 days later, so they covered the bill and charged me 31.00 «courtesy pay fee», while their holding my money that covers the bill. It’s always blamed on a «third party processor». Am I the only one who thinks this is unacceptable.
The tellers are fine, this isn’t about them. But anyone who you talk to on the phone knows they will never have to see you face to face, and that’s exactly how I’ve always been treated. I switched here from B of A because everyone knows how awful they are, but frankly this credit union is just as bad or worse.

I am not a member of PLCU but another San Diego CU. And, boy, I’m so/​very/​extremely glad that PLCU is here.
Point Loma CU is the only CU in this area and it is a member of «co-​op network» — which means their ATM saves me tons of money on frivolous charges like withdrawing my own money. See (!!!) the triangle on 2^nd last panel on top of ATM.
Yes, that’s what makes it special.
And of course I ditched Banks in favor of CUs long ago. CUs always have a personal appeal and are closer to customer and not to mention cheaper. As for Banks, there is Chase, Well Fargo and Bank of America right there in the same plaza. These banks running on TARP fuel are like foreign governments with their own rules, fees and impersonal customer service. The future belongs to CUs but there are plenty of people who are bank-​fleeceable.