sddfcu is a not-for-profit credit union wholly owned and operated by its members. Unlike most banks, SDCCU does not issue stock and returns earnings entirely to its membership in the form of higher dividend rates, innovative home banking services and convenient branch locations.

SDCCU offers a full range of products and services to its more than 425,000 members across three counties in Southern California: San Diego, Riverside and Orange. It also is active in the community through sponsorships and volunteerism.

Not-For-Profit Credit Union

Sddfcu is a not-for-profit credit union that is owned by its members. This allows the credit union to give profits back to its members in the form of higher dividends on savings accounts, lower loan rates and fewer fees.

Sddfcu also provides a variety of services to its members, including financial counseling, debt management, home ownership counseling, retirement planning and investment services. These services help members make responsible decisions with their money and achieve their financial goals.

Sddfcu offers a wide variety of checking and savings accounts to meet the needs of every member. There are also a number of loans, including auto and home equity loans. These loans offer competitive rates and can be repaid over a long period of time.

Checking Accounts

Checking accounts are the most common type of bank account, and they offer a wide range of features. These can include avoiding ATM fees, earning interest or getting cash back rewards.

Choosing the right checking account depends on your goals and budget. Some checking accounts can be free, while others require a monthly fee.

SDCCU offers many types of checking accounts to meet your specific needs and preferences. Some accounts are geared toward young adults, while others are designed for those looking to save for college or for a new home.

Financial Institutions

Routing numbers are eight to 11-digit codes that identify your SDCCU account to make digital payments and transfers and to process paper checks between banks, states and countries. Learn more about how SDCCU and other financial institutions use routing numbers in our guide to routing numbers for banking.

Savings Accounts

Whether you’re looking to build a rainy-day fund, invest for your future or set aside money for a big purchase, SDCCU has the savings account that’s right for you. Open your account online or visit a branch location to get started.

Competitive Rates

SDCCU offers a variety of savings accounts, including Great Rate Savings, Money Market and Certificate Accounts with competitive rates. Plus, your savings are federally insured up to $250,000 per share owner.

SDCCU also offers checking accounts with no fees and a $5 minimum opening deposit. High Yield checking offers 0.03% to 0.05% dividends with a $5,000 opening balance and Teen First has no monthly fee or deposit minimum for 13 to 17-year-olds.


San Diego County Credit Union (SDCCU) offers a wide range of loan options including mortgage packages over 10, 15, 20, or 30-year spans at fixed and adjustable rates, home equity loans with fixed rate payment plans, and more. Its website is open and transparent, allowing you to compare loans with similar terms and features.

For example, SDCCU offers a 5/5 ARM mortgage package that provides flexibility and stability with no closing costs. It also allows a borrower to make a downpayment of up to 10 percent and not have to pay for lender-paid mortgage insurance.

Low-Interest Rate Signature

Sddfcu also offers low interest rate signature loans to people living or working in San Diego and Riverside counties. They are a great way to borrow money and pay for unexpected expenses, like car repairs or medical bills.

Final Words:

San Diego County Credit Union offers a number of credit cards to meet the financial needs of its members. Our credit cards feature a variety of rewards programs that can earn cardholders points on purchases.

We offer a choice of secured cards, as well as no-frills cash back credit cards. These no-frills cash back cards are simple to use and offer a great value.

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