SDDFCU: An Overview of a Trusted Financial Institution

The San Diego County Credit Union (SDDFCU) is a non-profit financial institution serving its members since 1938. It is one of the largest credit unions in Southern California and has a reputation for providing excellent financial services to its members. In this essay, we will discuss the various aspects of SDDFCU, including its history, membership, products and services, and benefits.

History of SDDFCU

SDDFCU was founded in 1938 as a credit union for the County of San Diego employees. Over the years, it has expanded its membership to include individuals who live or work in San Diego, Riverside, and Orange counties. Today, it has over 430,000 members and manages over $9 billion in assets.


Membership in SDDFCU is open to individuals who live or work in San Diego, Riverside, and Orange counties. It is also available to immediate family members of existing SDDFCU members. Joining the credit union is easy and can be done online or in person at one of the SDDFCU branches.

Products and Services

SDDFCU offers a wide range of financial products and services to its members. These include checking and savings accounts, loans, credit cards, mortgages, 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.

Checking and Savings Accounts

SDDFCU offers a variety of checking and savings accounts to meet the needs of its members. These include free checking, high-yield checking, youth savings, money market savings, and certificates of deposit (CDs).


SDDFCU offers a range of loan products, including auto loans, personal loans, home equity loans, and mortgages. The credit union also offers student loans and business loans.

Credit Cards

SDDFCU offers several credit card options, including cash back, rewards, and low-rate cards. Members can choose the card that best suits their needs and earn rewards for their purchases.

Investment Services

SDDFCU offers investment services to its members through its subsidiary, SDCCU Investment Services. The investment services include retirement planning, college planning, wealth management, and insurance.


As a non-profit financial institution, SDDFCU focuses on providing its member’s excellent financial services. The credit union offers several benefits to its members, including:

  1. Lower Fees: SDDFCU charges lower fees than traditional banks, which can save members money over time.
  2. Better Interest Rates: SDDFCU offers higher interest rates on savings accounts and CDs than traditional banks, which can help members grow their money faster.
  3. Personalized Service: SDDFCU is known for providing customized service to its members. Members can speak to a live person when they call customer service, and the credit union offers financial counselling and education to help members make informed decisions about their finances.


SDDFCU is a trusted financial institution that has serving its members for over 80 years. It offers various financial products and services, including checking and savings accounts, loans, credit cards, and investment services. The credit union is focused on providing excellent service to its members and offers several benefits, including lower fees, better interest rates, and personalized service. If you live or work in San Diego, Riverside, or Orange counties, SDDFCU is an excellent choice for all your financial needs.

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