NCUA Insured
Member-Owned
2 charter
Established in 1938
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around San Diego, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1938
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in San Diego and serves members in the CA area. Currently serving 412,666 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
4.69%Used Auto Loan
4.99%Credit Card APR
14.49%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
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Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.3
26 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsMaresa Friedman
6 months ago
Update: Dec 5 2025- My husband came in to withdraw funds, and the operations person who was unable to assist me= (Her name was Dominique (who goes by Nikki) attempted to intimidate me while my husband was at the teller window. He naturally is protective and was in shock and was taken aback. Not surprisingly, he closed out and transferred out his funds to another institution. He had been a member there for 30+ years- and this is how they clearly do not care about community or their own membership. ****** I’m extremely concerned about SDCCU’s data-collection practices. I recently attempted to cash a negotiable instrument at this branch and was asked to fill out a paper form requesting far more personal information than what is legally required for identity verification or federal compliance (BSA/AML/OFAC). I was willing to show ID and follow all standard procedures, (in addition to the ID I gave a fingerprint ) but the form asked for additional personal details with no explanation of why it was needed, how it would be used, or how it would be stored or protected. When I asked for clarification, staff could not provide any written policy or compliance justification. As a California resident, I have rights under the CCPA (California Consumer Privacy Act) to understand what information is being collected, for what purpose, how long it is retained, and whether it is shared with third parties. SDCCU was unable to answer these basic transparency questions. I am still waiting and Most likely will walk out without completing the transaction because I am not comfortable handing over unnecessary personal data on an unprotected form — especially when staff cannot explain the purpose or retention policies behind it. This experience raises serious concerns about SDCCU’s privacy practices, data security, and employee training. I hope SDCCU leadership addresses this issue, provides clear justification for the information they collect, and brings their branch-level procedures in line with California privacy law and federal requirements.
lb11235
9 months ago
My son is collecting coins and asked me to stop by and change a few dollars for pennies. The cashier refused, saying it’s the bank’s policy not to change cash for non customers. Well I guess I will never open up an account in this bank
Isaias F.
a year ago
The supervisor named Crystal has probably some of the worst customer service i have experienced. Her comments and attitude i wish on no other customers. After i asked her a simple question about ID, her answer was very rude. She kept saying i was having a bad day and proceeded to repeat it. Note i have been feeling sick due to the weather. I followed up with another question and again her response was with attitude. After i asked for her supervisor she stated she was the one. Due to her smart mouth and attitude I will no longer bank here. I hope for anyone visiting this branch, they avoid her service.
Bill Brown
2 years ago
This used to be a great branch with friendly people. Now, they are inconsistent (some people have to remove hats while others wear both hat and glasses inside), and they don't provide the resources they claim. I went to take out some money and was told that the limit was $10k/day. I needed closer to $20k. So I asked if I could take $10k today and then $10k tomorrow and Gloria told me that if I did that I would be committing some sort of "structuring" fraud with the IRS. I'm being accused of a crime??? So then I asked when could I take out the other $10k and she said she didn't know. So I said I'll take the $10k but then I was told they only have $5k. What??? First I can take out $10k but this branch can't cover it? Then she insisted that she needed to know why I needed the money. I told her it's for a trailer but that it's none of her business. She said it IS her business. What?? I'm about ready to take ALL my money out and close my account. No, it's none of her business.
Noah Allmon
6 years ago
This is by far the worst bank I have ever worked with not this location specifically but this whole chain is garbage. Apps are hard to work with and navigate. Establishing an outside bank transaction is a joke compared to other major banks. I am constantly locked out of my account because they want verification codes through text or email and even when I'm on deployment and can not get this information them and they are unwilling to work with me on this. forget calling their help line for technical assistance you will wait on the phone for awhile on hold.... Talking my business to USAA and Navy federal credit union.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(877) 732-2848Website
Visit WebsiteMembers
412,666
Total Assets
$9.3B
Year Opened
1938
Net Worth
Well Capitalized
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile