Sddfcu Credit Union Review 2023

Sddfcu is a San Diego-based credit union and financial institution that offers savings accounts, checking accounts, IRA accounts and certificates. It also provides members consumer loans and home mortgages.

Membership is open to anyone living or working in Southern California, including Los Angeles, Orange and Riverside counties. In addition, Sddfcu welcomes people who have a family member or friend who is a member.


Founded in 1938, SDCCU serves members across three SoCal counties (San Diego, Orange and Riverside) and is recognized as one of the most inclusive credit unions. Today, SDCCU offers checking and savings accounts, money market and certificate accounts, home loans, consumer loans, and auto loans.

Financial Institutions

Unlike many other financial institutions, SDCCU is a not-for-profit credit union wholly owned by its members. This gives members access to competitive dividend rates, free banking services and a variety of convenient branch locations.

SDCCU also offers online banking and bill pay with e-statements. Additionally, SDCCU has over 30,000 surcharge-free ATMs and 43 branches throughout Southern California.

Variety of Savings Accounts

SDCCU offers a variety of savings accounts that are designed to help you achieve your financial goals at every stage of life. These include teen savings, special savings, vacation and holiday savings and more. Each account comes with no monthly maintenance fees and competitive interest rates of 0.03% to 0.05%.


Sddfcu offers a wide range of financial services to their members, including checking and savings accounts, loans, mortgages and credit cards. The credit union also provides financial education and investment services to their members.

Lower Loan Rates & Higher Deposits

The credit union is a not-for-profit financial institution, which means it does not pay dividends to shareholders and instead returns earnings to members in the form of lower loan rates and higher deposits. Additionally, sddfcu doesn’t charge monthly service fees.

Membership in SDCCU is open to anyone living or working in Southern California, including Los Angeles and Riverside. You can also join the credit union if you’re part of the Financial Fitness Association or have a parent, grandparent, sibling or child who is a member.

The credit union offers a variety of online banking services, including mobile banking. These include direct deposit, account notifications and the best exchange rates. You can also use the mobile app to deposit checks and pay bills.


SDDFCU provides a variety of financial services to its members, including checking and savings accounts, loans, credit cards, and investment services. The credit union also offers online and mobile banking, which makes it easy for members to access their accounts and conduct transactions from anywhere.

SDCCU Checking Accounts

Checking Accounts: SDCCU checking accounts come with a low opening deposit and no minimum balance requirements. In addition to checking, SDCCU offers several other types of accounts, such as savings and money market accounts.

Overdraft Protection: SDCCU can automatically authorize and pay overdrafts, if necessary. However, you should always keep a cushion in your checking account to prevent overdrawing.

Variety of Credit Card Options

Credit Card: SDCCU offers a variety of credit card options, including cash back, rewards and low-rate cards. The credit union also offers loan products, such as mortgages and home equity loans.

Loans are available for members at affordable rates, including jumbo mortgages and first time home buyer loans. The credit union also offers mortgage loans to members who live overseas.


The APY program offered by sddfcu offers interest rates up to 1.15% for its certificates of deposit (CDs). Term lengths range from three months to 60 months with a minimum deposit of $2,000 to open the account.

CDs offer competitive interest rates and a long-term safety net to help you build up your savings over time. However, you’ll need to be ready to withdraw the funds if you want to get the most out of them.

Final Words:

The SDDFCU also offers a number of personal loan options including a personal line of credit, which is ideal for a borrower with a monthly budget. A revolving line of credit is great for making purchases, but it has variable interest rates that could be higher than the corresponding fixed rate. You’ll need a good credit score to qualify. You can also choose from a variety of auto loans to finance your next car, boat or RV. The credit union also offers a variety of home mortgage options, including jumbo loans and first-time homebuyer programs.