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 the California counties of Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara or Ventura.
See current membership details
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RUDE CUSTOMER SERVICE
It is very hard to work with this credit union. Really incompetent and rude customer service while you try to deposit YOUR money. They claim they are a small credit union. So do them a favor and put your money elsewhere so they can remain small or even get smaller. Avoid it at all costs !!
Data as of Q3 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 61004 |
| Year Chartered | 1938 |
| Employees | 831 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.67% |
| Return on Equity - YTD | 3.96% |
| Annual Interest Income | $288.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2024vs Q3 2023 | $10B$12.72B |
| Loans | Q3 2024vs Q3 2023 | $5.56B$6.03B |
| Deposits | Q3 2024vs Q3 2023 | $7.66B$8.55B |
| Equity Capital | Q3 2024vs Q3 2023 | $1.77B$1.7B |
| Loan Loss Allowance | Q3 2024vs Q3 2023 | $52.4MM$59.2MM |
| Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $11.3MM$8.9MM |
| Real Estate Owned | Q3 2024vs Q3 2023 | $0$0 |
