San Diego County Credit Union

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San Diego County Credit Union
Credit Union
Industry Banking
Founded 1938
Headquarters San Diego, California,
United States[citation needed]
Number of locations
38 branch locations
Area served
San Diego, California, Riverside, California and Orange County, California
Products Savings; checking; consumer loans; mortgages; online banking; mobile banking
Services Financial services
Total assets $7 Billion USD (2015)[1]

San Diego County Credit Union (SDCCU) is San Diego's largest locally owned financial institution. This credit union is based in San Diego, California. SDCCU was founded in 1938 as San Diego County Employees Credit Union and was formed to provide for the financial needs of local county government employees. During the 1970s, San Diego County Employees Credit Union changed its name to San Diego County Credit Union and expanded its membership to include all San Diegans. Today, SDCCU is open to everyone living or working in San Diego, Riverside and Orange counties.

SDCCU is a financial cooperative with no external stockholders. It has over 300,000 members and 41 branch offices in its three-county service area. Its deposits are insured by the National Credit Union Administration and it is an equal housing lender.

With more than $7 billion in assets, San Diego County Credit Union is a not-for-profit credit union wholly owned and operated by its members. As a credit union, San Diego County Credit Union does not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to members in the form of lower loan rates, higher dividends on deposits and lower fees. (As presented by "Free Checking with eStatements. FREE Checking with eStatements is the perfect personal checking account! It has no monthly checking fees when you receive eStatements. That’s a win for you and the environment. Monthly fee: $0 with eStatements; $2 with paper statements Minimum opening deposit: $25". In contrast, many banks have Checking Account maintenance fees in excess of $10, such as the Bank of America $12 per month account maintenance fee on a standard checking account.)

SDCCU participates in sponsorship of community events. The credit union was the title sponsor of the now-defunct San Diego County Credit Union Poinsettia Bowl college football bowl game for the entire 12 years of its run. It also sponsors the Big Bay Balloon Parade, a tradition connected to the Holiday Bowl, and starting in 2017 it will be the title sponsor for the Holiday Bowl itself.[2]


San Diego County Credit Union offers the typical suite of account services offered by most financial institutions, including savings accounts, checking accounts, IRA accounts and certificates. SDCCU also offers members consumer loans, auto loans, credit cards and home mortgages.

SDCCU offers online and mobile services via its corporate website, Customers also have access to over 30,000 surcharge-FREE CO-OP Network locations at other credit unions, Costcos, 7-Eleven stores and other ATMs.


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  2. ^ De Crecenzo, Sarah (March 9, 2017). "S.D. County Credit Union to Sponsor Holiday Bowl". San Diego Business Journal. Retrieved 10 March 2017.

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