SDDFCU: A Comprehensive Guide to San Diego County Credit Union

San Diego County Credit Union (SDDFCU) is a not-for-profit financial institution that has been serving the San Diego community since 1938. It is the largest locally-owned financial institution in San Diego County, with over $8 billion in assets and more than 400,000 members. In this article, we will take a closer look at SDCCU and what it offers to its members.

History of SDCCU

SDCCU was founded in 1938 as San Diego Teachers Credit Union, serving the employees of the San Diego Unified School District. In the following years, the credit union expanded its membership to include all San Diego County residents. In 1978, the credit union changed its name to San Diego County Credit Union to reflect its broader membership base. Today, SDDFCU has 43 branch locations throughout San Diego, Riverside, and Orange Counties.

Membership and Eligibility

SDCCU membership is open to anyone who lives or works in San Diego, Riverside, or Orange Counties. Additionally, family members of current SDDFC members are eligible to join. Membership requires a minimum deposit of $1, which serves as the member’s share in the credit union. Once a member, they can take advantage of all the benefits that SDCCU offers.

Products and Services

SDCCU offers a wide range of financial products and services, including:

  1. Checking Accounts: SDCCU offers a variety of checking accounts to suit different needs, including free checking, high-yield checking, and interest-bearing checking. All SDDFCU checking accounts come with free online banking, mobile banking, and eStatements.
  2. Savings Accounts: SDCCU offers several types of savings accounts, including regular savings, money market savings, and youth savings accounts. Members can also open CDs and IRAs with SDDFCU.
  3. Loans: SDCCU offers a variety of loans, including auto loans, personal loans, home loans, and credit cards. Members can also take advantage of SDDFCU low-rate Visa credit cards.
  4. Investments and Financial Planning: SDDFCU offers investment and financial planning services through its partnership with CUSO Financial Services, L.P. Members can meet with a financial advisor to discuss retirement planning, college savings, and other investment goals.
  5. Business Banking: SDDFCU offers a range of business banking products and services, including business checking accounts, loans, and credit cards.

Online and Mobile Banking

SDCCU offers online banking and mobile banking services that allow members to access their accounts 24/7. With online banking, members can view account balances, transfer funds, pay bills, and view transaction history. SDCCU’s mobile banking app also allows members to deposit checks, pay bills, and view account balances on the go.

SDCCU also offers online account opening and loan application services, making it easy for members to join the credit union or apply for a loan from the comfort of their own homes.

Community Involvement

As a not-for-profit financial institution, SDDFCU is committed to giving back to the communities it serves. SDCCU has a long history of supporting local organizations and initiatives, including the San Diego Blood Bank, the San Diego Humane Society, and the San Diego County Office of Education.

SDDFCU also offers financial education resources to its members and the community at large. The credit union’s Financial Wellness Wednesdays program provides free financial education seminars and workshops on a variety of topics, including budgeting, saving for college, and retirement planning.


SDCCU is a well-respected financial institution that has been serving the San Diego community for over 80 years.

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