Average User Rating:
5 star rating based on 1 review.

San Diego County Credit Union

6545 Sequence Drive
San Diego, CA 92121
(877) 732-2848
www.sdccu.com

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San Diego County Credit Union is headquartered in San Diego and is the 4^th largest credit union in the state of California. It is also the 11^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 542 employees and 225,362 members. San Diego County Credit Union has a 5-star health rating.

San Diego County Credit Union Routing Number: 322281617

Competitive 54-Month CD Rate at San Diego County Credit Union - Local Only - 9/8/2011

San Diego County Credit Union is offering a CD and IRA CD special with competitive long-term rates. It has a 54-month term with a top rate of 2.45% APY. This requires a $90K minimum deposit. The rate ...

Competitive Long-Term CD Rate at San Diego County Credit Union - Local Only - 5/5/2011

San Diego County Credit Union is offering a CD and IRA CD special with competitive long-term rates. It has a 57-month term with a top rate of 2.75% APY. This requires a $90K minimum deposit. The rate ...

4.50% 21-Month / 4.00% 7-Month CD at San Diego County Credit Union - 11/3/2008

Update 11/21/08: These CD rates have fallen. Please check the credit union's website for the latest rates.San Diego County Credit Union has added a new special CD to its CD promotion that I first reported on in August. In addition to the 4.00% APY...

4.00% 7-Month / 4.25% 14-Month CD at a California CU (San Diego County) - 8/25/2008

San Diego County Credit Union has a competitive certificate special with a 4.00% APY 7-month CD and a 4.25% APY 14-month CD. The minimum deposit is $10,000. Deposits of at least $90K qualify for an extra 5 basis points. Deposits between $2K and $10K earn...

2007

7/19 - 5.50% 10-Month CD at a California CU - $90K (San Diego County)

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See Rates for: Checking | Savings | Money Market | CD | IRA

San Diego County Credit Union Checking Account Rates

Apy	Min	Max	Product
0.30%	$500k	-	High-Yield Checking
0.05%	$1,500	-	Classic Checking

San Diego County Credit Union Savings Account Rates

Apy	Min	Max	Product
0.40%	$500k	-	Great Rate Savings
0.40%	$500k	-	Business Great Rate Savings
0.30%	$100k	-	Business Sweep Savings
0.10%	$100	-	Savings
0.10%	$100	-	IRA Savings
0.10%	$100	-	Business Primary Savings
0.10%	$100	-	Business Special Savings

San Diego County Credit Union Money Market Rates

Apy	Min	Max	Product
0.30%	$100k	-	Money Market Max
0.30%	$100k	-	IRA Money Market
0.30%	$100k	-	Business Money Market Max

San Diego County Credit Union CD Rates

Apy	Min	Max	Product
1.80%	$90k	-	60 Month CD
1.80%	$90k	-	Business 60 Month CD
1.35%	$90k	-	48 Month CD
1.35%	$90k	-	Business 48 Month CD
1.15%	$90k	-	36 Month CD
1.15%	$90k	-	Business 36 Month CD
0.95%	$90k	-	21 Month CD Special w/Reward
0.75%	$90k	-	24 Month CD
0.75%	$90k	-	Business 24 Month CD
0.70%	$90k	-	21 Month CD Special w/o Reward
0.60%	$90k	-	18 Month CD
0.60%	$90k	-	Business 18 Month CD
0.45%	$90k	-	12 Month CD
0.45%	$90k	-	Business 12 Month CD
0.40%	$90k	-	6 Month CD
0.40%	$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

Apy	Min	Max	Product
1.35%	$90k	-	48 Month IRA
1.35%	$90k	-	48 Month SEP IRA
1.15%	$90k	-	36 Month IRA
1.15%	$10k	$90k	60 Month IRA
1.15%	$90k	-	36 Month SEP IRA
1.15%	$10k	$90k	60 Month SEP IRA
0.95%	$90k	-	21 Month IRA Special w/Reward
0.95%	$90k	-	21 Month SEP IRA Special w/Reward
0.75%	$90k	-	24 Month IRA
0.75%	$90k	-	24 Month SEP IRA
0.70%	$90k	-	21 Month IRA Special w/o Reward
0.70%	$90k	-	21 Month SEP IRA Special w/o Reward
0.60%	$90k	-	18 Month IRA
0.60%	$90k	-	18 Month SEP IRA
0.45%	$90k	-	12 Month IRA
0.45%	$90k	-	12 Month SEP IRA
0.40%	$90k	-	6 Month IRA
0.40%	$90k	-	6 Month SEP IRA
0.25%	$90k	-	3 Month IRA
0.25%	$90k	-	3 Month SEP IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

SAN DIEGO COUNTY
NCUA #	61004
BankRate Report	View
Year Chartered	1938
Employees	542
Primary Regulator
Assets and Liabilities
Assets	$5.46 billion
Loans	$3.18 billion
Deposits	$4.66 billion
Equity Capital	$651.89 million
Loan Loss Allowance	$91.13 million
Unbacked Noncurrent Loans	$70.82 million
Real Estate Owned	$4.90 million
Historic Data - December 2010
Assets	$4.97 billion
Equity Capital	$585.60 million
Loan Loss Allowance	$97.50 million
Unbacked Noncurrent Loans	$78.11 million
Real Estate Owned	$4.73 million
Profit Margin - Quarterly
Net Interest Margin	4.54%
Return on Assets	1.22%
Return on Equity	10.19%
Interest Income	$178.90 million
Non-Interest Income	$44.28 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 San Diego County Credit Union had $75.72 million in non-current loans and owned real-estate with $743.03 million in equity and loan loss allowances on hand to cover it. This gives San Diego County Credit Union a Texas Ratio of 10.19% which is above average. 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 slightly from 12.13% as of December 31, 2010 to 10.19% as of December 31, 2011, resulting in a positive change of 15.96%.This indicates that the balance sheet and financial strength for San Diego County Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, San Diego County Credit Union has increased its total deposits by $426.64 million, resulting in 10.08% 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.
Capitalization
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 $5.46 billion in assets with $743.03 million in equity, resulting in a capitalization level of 13.61%, which is excellent.

A Great CU For Many Years!
5 stars

- nancylones - Thursday, June 17, 2010 - 9:39 AM

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!