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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
  4. 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, auto buying services, investments, insurance...you name it, we offer it.
  5. Convenient account access
    With 10 branch locations, a network of over 30,000 surcharge-free ATMs, state-of-the-art Online Banking with free 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.
  6. Member Advocacy
    We do what is right for our members. Products and services that are recommended to our members are not driven by sales goals, but by individual member need. We even ask members in follow-up interactions if they felt that their needs were given priority over business needs.
  7. Strong, stable, and locally-owned
    With $1.1 billion in assets, over 83,000 members, and 70 years of service to the local community, The Island is financially strong and will not be acquired in a bank merger. We have multiple, independent performance reviews that monitor our safety and soundness.
  8. 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.
  9. 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.
  10. Who says banking has to be boring?
    What other financial institution has surfboards in branches, friendly staff, 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.
  11. Commitment to the community and environment
    The Island is strongly committed to giving back to the community we serve and protecting the environment. We support several philanthropic causes and have been awarded LEED (Leadership in Energy and Environmental Design) Silver certification for our new "green" headquarters, completed in 2009.
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