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What We Do

Our primary business lines include Retail Banking, Home Loans, Auto Buying, Investments & Insurance, and Business Services.


Retail Banking

We offer a comprehensive line of products and services to individuals and families including share 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 10 local branches, contacting us by phone, or accessing their accounts online. In addition, members have surcharge-free access to nearly 650 local ATMs and 30,000 nationwide through our Co-Op Network.

Home Loans

Our 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.

Auto Buying

We offer convenient and hassle-free ways to buy your next new or used vehicle. Our partners will do the work for you, with no hunting, hassling or haggling on your part — so you'll get a better deal.

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, 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 share accounts, sweep accounts, zero balance accounts, online banking with free 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.