San Diego County Credit Union

Overview / Commentary
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

Membership in San Diego County Credit Union is open to anyone through joining the Financial Fitness Association ($8 membership fee). Membership is also open to those who live or work in San Diego, Orange or Riverside Counties in California and to employees of Select Employer Groups (not listed on the site).
See current membership details

For My Money SDCCU Is The Best!

Posted by: |

I was with them before they was SDCCU! They was at the Post Office and was called San Diego Federal Credit Union that was awhile ago had my checks and everything go there. I trust them with my money and never really had any trouble with them this is the Escondido branch the manager come out and talk to me and ask if everything is alright.

SDCCU Employees Are There For Me

I enjoy when I visit SDCCU on a good day and a bad day. They are real people with real results to member needs. I always feel welcomed. I trust the staff at the branch and phone staff. They explain what I may not be aware of and answer any and all questions I have.

Great Customer Service

Posted by: |

I've banked with SDCCU for 4 years now, and have been very satisfied with their service. The tellers have always been very personable and professional. They've also been very proactive in looking out for me. In particular, a few months ago, they notified me that an account that I thought I'd closed had been overdrawn and was on the verge of negatively affecting my credit score. After explaining the situation and paying off the account, they were kind enough to waive the overdraft fees. That sort of service has been par for the course with them. They were also very helpful and professional when my ex and I were splitting up our joint accounts--thanks to them, we were able to navigate shifting funds from our joint account into personal accounts with minimal stress.

Worst Bank Ever!!

Posted by: |

This is the worst and most arrogant financial institution ever, and I've been banking for 40 years!
I had a dormant 'free' checking account for 3 or 4 years. All of sudden I get a letter that I owed $80 and they have closed my account and this will impact my credit scores!! The guy (Mira Mesa branch Manager) signs his name and says call me at (877) number. I call immediately and it's headquarters and they tell me its impossible to reach that person using this number. Told the lady the story and it turned out when I had opted in for their life insurance offer, instead of sending you an insurance bill like all insurance companies, they took the liberty of withdrawing the premium from my dormant account. This account only has electronic statements which means they email you al link monthly and you click on the link in the email and have to enter user ID and password, exactly the same process phishing email from scammers that steal your information and take all your money! So unless you do that, you never see activity on your account. Well, I explain to the lady that since I don't use the account I never log in to check. Why didn't they send me a notice before closing my account or as soon as my account went negative. She said the notices are electronic like the statements! So if someone hasn't logged in firn3 years, you send them an electronic notice which you know they will never see!! So I ask her to graciously add a note that I will come in the next day to make things right and she say no problem. I go in the next day and they say the account is closed all I can do is pay the $80 I owed and the life insurance has been canceled as well. So I'm thinking your loss!

Next day I get an email from regular bank Saying my FICO score has changed! I look into it and low and behold, after I had immediately responded and made things right, and they apologized about their incompetence, they still maliciously harmed my credit credit score!! Really??? Wow! That doesn't make sense!! How are these people still in business??? What kind of clients put up with this garbage? They will sure hear from my attorney!



Health Grade Components

NCUA #61004
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD6.3%
Annual Interest Income$118.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$11.63B$10.32B
LoansQ2 2022vs Q2 2021$6.30B$4.72B
DepositsQ2 2022vs Q2 2021$9.47B$8.75B
Equity CapitalQ2 2022vs Q2 2021$1.62B$1.52B
Loan Loss AllowanceQ2 2022vs Q2 2021$22.8MM$31.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$5.8MM$7.3MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

San Diego County Credit Union Savings Account Rates

0.40%*$1m*-Great Rate Savings
OTHER TIERS: 0.15% $25k - $100k | 0.20% $100k - $500k | 0.30% $500k - $1m
0.40%*$1m*-Business Great Rate Savings
OTHER TIERS: 0.15% $25k - $100k | 0.20% $100k - $500k | 0.30% $500k+
0.05%$100-Primary Savings Account
0.05%$100-IRA Savings Account
0.05%$100-Business Primary Savings
0.05%$100-Business Special Savings
0.05%*$50k*-Business Sweep Savings
OTHER TIERS: 0.03% $100 - $50k

San Diego County Credit Union Money Market Rates

0.25%*$100k*-Money Market Account
OTHER TIERS: 0.10% $100 - $50k | 0.20% $50k - $100k
0.25%*$100k*-IRA Money Market Account
OTHER TIERS: 0.10% $100 - $50k | 0.20% $50k - $100k
0.25%*$100k*-Business Money Market Account
OTHER TIERS: 0.10% $100 - $50k | 0.20% $50k - $100k

San Diego County Credit Union Checking Account Rates

0.07%*$225k*-High-Yield Checking
OTHER TIERS: 0.05% $100 - $225k
0.03%$1.5k-Classic Checking Account

San Diego County Credit Union CD Rates

2.50%$2k-36 Month CD
2.50%$2k-Business 36 Month CD
1.50%$2k-12 Month CD
1.50%$2k-18 Month CD
1.50%$2k-Business 12 Month CD
1.50%$2k-Business 18 Month CD
1.25%*$90k*-60 Month CD
OTHER TIERS: 1.15% $2k - $10k | 1.20% $10k - $90k
1.25%*$90k*-Business 60 Month CD
OTHER TIERS: 1.15% $2k - $10k | 1.20% $10k - $90k
1.00%*$90k*-48 Month CD
OTHER TIERS: 0.90% $2k - $10k | 0.95% $10k - $90k
1.00%*$90k*-Business 48 Month CD
OTHER TIERS: 0.90% $2k - $10k | 0.95% $10k - $90k
0.70%*$90k*-24 Month CD
OTHER TIERS: 0.60% $2k - $10k | 0.65% $10k - $90k
0.70%*$90k*-Business 24 Month CD
OTHER TIERS: 0.60% $2k - $10k | 0.65% $10k - $90k
0.40%*$90k*-6 Month CD
OTHER TIERS: 0.30% $2k - $10k | 0.35% $10k - $90k
0.40%*$90k*-Business 6 Month CD
OTHER TIERS: 0.30% $2k - $10k | 0.35% $10k - $90k
0.30%*$90k*-3 Month CD
OTHER TIERS: 0.20% $2k - $10k | 0.25% $10k - $90k
0.30%*$90k*-Business 3 Month CD
OTHER TIERS: 0.20% $2k - $10k | 0.25% $10k - $90k

San Diego County Credit Union IRA Rates

2.50%$2k-36 Month IRA
1.50%$2k-12 Month IRA
1.50%$2k-18 Month IRA
1.25%*$90k*-60 Month IRA
OTHER TIERS: 1.15% $2k - $10k | 1.20% $10k - $90k
1.00%*$90k*-48 Month IRA
OTHER TIERS: 0.90% $2k - $10k | 0.95% $10k - $90k
0.70%*$90k*-24 Month IRA
OTHER TIERS: 0.60% $2k - $10k | 0.65% $10k - $90k
0.40%*$90k*-6 Month IRA
OTHER TIERS: 0.30% $2k - $10k | 0.35% $10k - $90k
0.30%*$90k*-3 Month IRA
OTHER TIERS: 0.20% $2k - $10k | 0.25% $10k - $90k


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