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Featured Savings Rates
Featured Accounts

San Diego County Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.05%5-year CD60 Month CD
1.55%4-year CD50 Month Bump Certificate Special
0.45%1-year CD12 Month CD

Overview / Commentary
877-732-2848
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

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Reviews (6)

Great Credit Union

The San Diego County Credit Union is by far the best credit union I have ever dealt with. I have been with them twice now as I had moved away and came back. From the minute you walk in to the branch you are treated with nothing but respect. The person at the front desk can answer any of your questions and get you to the appropriate person for whatever you banking needs are. The tellers at the branch are always willing and ready to serve you with a smile. If you live in the San Diego area there is simply no finer credit union in my opinion. Almost forgot to mention, they always have free things for you like mugs, magnets and where else can you get free dog treats!

Superior Banking For All Transactions

Posted by: tperri123 | Mar 28, 2013

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.

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!

Great Customer Service

Posted by: Joyous | Nov 24, 2016

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.

SDCCU

Posted by: Ranex2334 | Apr 30, 2015

San diego credit county union was the most amazing credit union I have ever used. When I signed up the cashier was very friendly and nice and cool and helpful. He helped me sign up for an account in which I store my money to use for later in a form that is more convenient to use than cash. I then put money in that account, using a process called deposit. It was difficult, but with help from the cashier guy Robert I managed to submit that cash money into the account. I also got a debit card in order to use at places that take debit cards. Great company!

Pro Foreclosure Bank

Posted by: Imran | Jun 28, 2012

Hi,

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.



Health
A+

Health Grade Components

Overall
NCUA #61004
Year Chartered1938
Employees761
Primary Regulator
Profit Margin
Return on Assets - YTD1.21%
Return on Equity - YTD8.57%
Annual Interest Income$113.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$8.15B$7.55B
LoansQ2 2017vs Q2 2016$6.09B$5.38B
DepositsQ2 2017vs Q2 2016$6.96B$6.46B
Equity CapitalQ2 2017vs Q2 2016$1.15B$1.04B
Loan Loss AllowanceQ2 2017vs Q2 2016$28.7MM$36.2MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$14.6MM$16.8MM
Real Estate OwnedQ2 2017vs Q2 2016$388.00K$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$500k*-Great Rate Savings
OTHER TIERS: 0.15% $25k - $50k | 0.20% $50k - $225k | 0.25% $225k - $500k
0.30%*$500k*-Business Great Rate Savings
OTHER TIERS: 0.15% $25k - $50k | 0.20% $50k - $225k | 0.25% $225k - $500k
0.25%*$100k*-Business Sweep Savings
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k | 0.20% $50k - $100k
0.05%$100-Primary Savings Account
0.05%$100-IRA Savings Account
0.05%$100-Business Primary Savings
0.05%$100-Business Special Savings

San Diego County Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Money Market Account
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $50k
0.20%*$50k*-IRA Money Market Account
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $50k
0.20%*$50k*-Business Money Market Account
OTHER TIERS: 0.05% $100 - $10k | 0.10% $10k - $50k

San Diego County Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$500k*-High-Yield Checking
OTHER TIERS: 0.03% $100 - $10k | 0.05% $10k - $50k | 0.10% $50k - $500k
0.03%$1,500-Classic Checking Account

San Diego County Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%*$90k*-60 Month CD
OTHER TIERS: 1.95% $2k - $10k | 2.00% $10k - $90k
2.05%*$90k*-Business 60 Month CD
OTHER TIERS: 1.95% $2k - $10k | 2.00% $10k - $90k
1.65%*$90k*-48 Month CD
OTHER TIERS: 1.55% $2k - $10k | 1.60% $10k - $90k
1.65%*$90k*-Business 48 Month CD
OTHER TIERS: 1.55% $2k - $10k | 1.60% $10k - $90k
1.55%*$90k*-50 Month Bump Certificate Special
OTHER TIERS: 1.45% $2k - $10k | 1.50% $10k - $90k
1.18%$2k-17 Month CD Special
1.15%*$90k*-36 Month CD
OTHER TIERS: 1.05% $2k - $10k | 1.10% $10k - $90k
1.15%*$90k*-Business 36 Month CD
OTHER TIERS: 1.05% $2k - $10k | 1.10% $10k - $90k
0.80%*$90k*-24 Month CD
OTHER TIERS: 0.70% $2k - $10k | 0.75% $10k - $90k
0.80%*$90k*-Business 24 Month CD
OTHER TIERS: 0.70% $2k - $10k | 0.75% $10k - $90k
0.55%*$90k*-18 Month CD
OTHER TIERS: 0.45% $2k - $10k | 0.50% $10k - $90k
0.55%*$90k*-Business 18 Month CD
OTHER TIERS: 0.45% $2k - $10k | 0.50% $10k - $90k
0.45%*$90k*-12 Month CD
OTHER TIERS: 0.35% $2k - $10k | 0.40% $10k - $90k
0.45%*$90k*-Business 12 Month CD
OTHER TIERS: 0.35% $2k - $10k | 0.40% $10k - $90k
0.35%*$90k*-6 Month CD
OTHER TIERS: 0.25% $2k - $10k | 0.30% $10k - $90k
0.35%*$90k*-Business 6 Month CD
OTHER TIERS: 0.25% $2k - $10k | 0.30% $10k - $90k
0.25%*$90k*-3 Month CD
OTHER TIERS: 0.15% $2k - $10k | 0.20% $10k - $90k
0.25%*$90k*-Business 3 Month CD
OTHER TIERS: 0.15% $2k - $10k | 0.20% $10k - $90k

San Diego County Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.05%*$90k*-60 Month IRA
OTHER TIERS: 1.95% $2k - $10k | 2.00% $10k - $90k
1.65%*$90k*-48 Month IRA
OTHER TIERS: 1.55% $2k - $10k | 1.60% $10k - $90k
1.55%*$90k*-50 Month Bump IRA Certificate Special
OTHER TIERS: 1.45% $2k - $10k | 1.50% $10k - $90k
1.18%$2k-17 Month IRA Special
1.15%*$90k*-36 Month IRA
OTHER TIERS: 1.05% $2k - $10k | 1.10% $10k - $90k
0.80%*$90k*-24 Month IRA
OTHER TIERS: 0.70% $2k - $10k | 0.75% $10k - $90k
0.55%*$90k*-18 Month IRA
OTHER TIERS: 0.45% $2k - $10k | 0.50% $10k - $90k
0.45%*$90k*-12 Month IRA
OTHER TIERS: 0.35% $2k - $10k | 0.40% $10k - $90k
0.35%*$90k*-6 Month IRA
OTHER TIERS: 0.25% $2k - $10k | 0.30% $10k - $90k
0.25%*$90k*-3 Month IRA
OTHER TIERS: 0.15% $2k - $10k | 0.20% $10k - $90k
Locations

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