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Why Choose Us

We know you have many choices when it comes to your personal finances. Here are the top 10 reasons why The Island is right for you.
 
See also: Why Choose Us for Business Banking

 
 
  1. Open to all San Diegans
    All San Diegans can bank at The Island. Your family members are also welcome.
  2. Great rates and low fees
    Unlike a bank, all earnings are returned to members - not shareholders - in the form of lower loan rates, higher interest rates on deposits, and lower fees. We exist to serve our members, not to make a profit. See also:
    3. More differences between credit unions and banks
  3. Wide array of products and services
    The Island is the one stop shop for all your financial needs. Checking and savings accounts, auto loans, home loans, credit cards, auto buying services, investments, insurance...you name it, we offer it.
  4. Convenient account access
    With 16 branch locations, a network of over 25,000 surcharge-free ATMs, state-of-the-art Online Banking with Bill Pay, experienced contact center representatives, and 24/7 automated telephone banking, The Island is never further than a call, click, or short drive away.
  5. Rewards galore
    It pays to be an Island member. Among many other exciting promotions in our 2008 Island Rewards program, we're giving away a hybrid car to a lucky member every month.
  6. Strong, stable, and locally-owned
    With $1.7 billion in assets, 105,000 members, and almost 70 years of service to the local community, The Island is financially strong and will not be acquired in a bank merger.
  7. Happy employees = highly satisfied members
    Keeping employees happy and accountable while providing them with technical and quality training results in a commitment to member service excellence. That winning formula has produced exceptionally high member satisfaction scores year after year.
  8. You own the bank
    As a not-for-profit financial cooperative, we are owned by our members. Every member gets one vote each year to elect our volunteer Board of Directors.
  9. Who says banking has to be boring?
    What other financial institution has surfboards in branches, friendly staff wearing Hawaiian shirts, and cool Island Paradise artwork depicting 50 local attractions? While we take your finances very seriously, we also strive to provide you with an easy, worry free environment that's a little more fun.
  10. Commitment to the community and environment
    The Island is strongly committed to giving back to the community we serve and protecting the environment. We donate annually to several philanthropic causes and are currently seeking LEED (Leadership in Energy and Environmental Design) certification for our new "green" headquarters under construction.
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