Retail Banking

We offer a comprehensive line of products and services to individuals and families including deposit accounts - checking, savings, money markets, certificates - individual retirement accounts (IRAs), health savings accounts, auto loans, and personal loans. Our members enjoy friendly, convenient, and hassle free service when visiting any of our 16 local branches, contacting us by phone, or accessing their accounts online. In addition, members have surcharge-free access to nearly 650 local ATMs and 25,000 nationwide through our Co-Op Network.

Home Loans

Our diverse set of competitively priced real estate loans are ideal for those looking to buy, refinance, or tap into their home equity. North Island Credit Union does not, nor have we ever offered sub-prime mortgage loans.

Credit Cards

Through our partnership with First Bankcard, The Island offers a full selection of VISA^® credit cards with low introductory rates and convenient online account access. Members can even personalize their card with a favorite photo.

Auto Buying

Our friendly Island Auto Buying Service (IABS) team of experts take the hassle out of finding a great deal on a new or pre-owned car. IABS has over 19 years of experience and 40,000 satisfied customers throughout California.

Investment & Insurance Services

Our financial advisors are registered through LPL Financial and have over 120 years of collective experience. They specialize in helping individuals meet their financial goals and offer a broad range of investment products. A variety of insurance and protection programs are also available to members including life, long term care, auto and home, disability income, and more

Business Services

For more than 10 years, The Island has been proudly serving locally based member businesses. Our full range of offerings include deposit accounts, sweep accounts, zero balance accounts, online banking with bill pay, cash management, loans, credit lines, merchant card processing, payroll, and more. Our decision makers have a firsthand knowledge of the local economy, having lived and worked in San Diego for decades.