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6545 Sequence Dr
San Diego, CA 92121

San Diego County Credit Union is one of the largest credit unions in the state of California and serves hundreds of thousands of members through dozens of branches in and around the San Diego area. The credit union and its employees have won numerous awards for various things such as cybersecurity and human resource management.

San Diego County CU offers a variety of personal and commercial depository accounts and loans. On its personal banking side it offers checking, savings, money market and certificate accounts to meet members’ needs. Checking account offerings come with surcharge-free Co-Op ATM usage, a debit card, direct deposit, Bill Pay, mobile deposit and mobile banking. SDCCU’s savings accounts come with an ATM card, direct deposit, and Internet online account access. Money Market account offerings have a minimum opening deposit requirement and pay dividends based on average daily account balance. SDCCU has frequently featured Certificate accounts with interest rates that are higher than the national average.

San Diego County Credit Union online banking features a sophisticated Internet platform from which members may manage their accounts, pay bills, transfer funds, and earn rewards. SDCCU also makes a free mobile app available from which members can manage their accounts and perform remote deposits.

San Diego County Credit Union was chartered in 1938 and insured in 1972 by the NCUA. It is headquartered in San Diego, California, and has branches that operate in several counties across Southern California. It was originally founded as the San Diego County Employees Credit Union to meet the banking needs of county government employees. It changed its name in the mid-1970’s and broadened its field of membership to non-government citizens.

Field of Membership Restrictions

Field of membership includes all who live or work in San Diego, Riverside or Orange County. Any immediate family or household member of a San Diego County Credit Union member also qualify for membership. Additionally, employees of San Diego County Credit Union Select Employer Groups are also eligible to join San Diego County Credit Union. - See Details

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Reviews (3)

Pro Foreclosure Bank


I made a mistake when I got loan from SDCCU in 2007. At that time, I was not aware they will not be flexibile. SDCCU always want to foreclose house rather than allowing short sale. Its policies are not client friendly.


A Great CU For Many Years!

I've been a member of the San Diego County Credit Union for many years. While their current interest rates are horrible just like most other financial institutions, the people who work there, along with their easy on-line banking and ACH transfers make it a great place to do your banking. I've never experienced any account screw-ups nor been dinged with odd or excessive bank fees, and have enjoyed free checking and free on-line bill pay for years. SDCCU gets a resounding two thumbs up from me!

Superior Banking For All Transactions

I have been a memeber of SDCCU since 1985 and I wouldn't think of doing financial business with any other institution.  They have never made an error in any of my banking transactions and have always given the best customer service.  I recently moved to Florida but I will never change my bank from California.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 San Diego County Credit Union had $14.69 million in non-current loans and owned real-estate with $887.15 million in equity and loan loss allowances on hand to cover it. This gives San Diego County Credit Union a Texas Ratio of 1.66% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for San Diego County Credit Union decreased dramatically from 3.43% as of March 31, 2013 to 1.66% as of March 31, 2014, resulting in a positive change of 51.78%.This indicates that the balance sheet and financial strength for San Diego County Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, San Diego County Credit Union has increased its total deposits by $277.41 million, resulting in 5.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth San Diego County Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. San Diego County Credit Union has $6.51 billion in assets with $887.15 million in equity, resulting in a capitalization level of 13.64%, which is excellent.

Institution Statistics

NCUA #61004
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$6.51 billion
Loans$3.49 billion
Deposits$5.59 billion
Equity Capital$833.82 million
Loan Loss Allowance$53.33 million
Unbacked Noncurrent Loans$14.63 million
Real Estate Owned$60,000
Historic Data - March 2013
Assets$6.23 billion
Equity Capital$742.10 million
Loan Loss Allowance$72.40 million
Unbacked Noncurrent Loans$14.63 million
Real Estate Owned$1.05 million
Profit Margin - Quarterly
Return on Assets1.45%
Return on Equity11.31%
Interest Income$39.55 million

Always verify rates and promotions with the bank or credit union. We are not San Diego County Credit Union, we are a rate comparison website and can not provide official rates or promotions.

San Diego County Credit Union Savings Account Rates

0.30%$500k-Great Rate Savings
0.30%$500k-Business Great Rate Savings
0.25%$100k-Business Sweep Savings
0.05%$100-IRA Savings
0.05%$100-Business Primary Savings
0.05%$100-Business Special Savings

San Diego County Credit Union Money Market Rates

0.20%$50k-Money Market Max
0.20%$50k-IRA Money Market
0.20%$50k-Business Money Market Max

San Diego County Credit Union Checking Account Rates

0.15%$500k-High-Yield Checking
0.03%$1,500-Classic Checking

San Diego County Credit Union CD Rates

2.05%$90k-60 Month CD
2.05%$90k-Business 60 Month CD
2.00%$2k-29 Month CD Special w/Reward
1.74%$2k-29 Month CD Special w/o Reward
1.65%$90k-48 Month CD
1.65%$90k-Business 48 Month CD
1.55%$90k-50 Month Bump Certificate Special
1.05%$90k-36 Month CD
1.05%$90k-Business 36 Month CD
0.75%$90k-24 Month CD
0.75%$90k-Business 24 Month CD
0.50%$90k-18 Month CD
0.50%$90k-Business 18 Month CD
0.40%$90k-12 Month CD
0.40%$90k-Business 12 Month CD
0.35%$90k-6 Month CD
0.35%$90k-Business 6 Month CD
0.25%$90k-3 Month CD
0.25%$90k-Business 3 Month CD

San Diego County Credit Union IRA Rates

2.05%$90k-60 Month IRA
2.00%$2k-29 Month IRA Special w/Reward
1.74%$2k-29 Month IRA Special w/o Reward
1.65%$90k-48 Month IRA
1.55%$90k-50 Month Bump IRA Certificate Special
1.05%$90k-36 Month IRA
0.75%$90k-24 Month IRA
0.50%$90k-18 Month IRA
0.40%$90k-12 Month IRA
0.35%$90k-6 Month IRA
0.25%$90k-3 Month IRA

San Diego County Credit Union has 32 locations. Click to view all San Diego County Credit Union locations.