San Diego County Credit Union
Headquarters
6545 Sequence Dr
San Diego, CA 92121
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Phone 1-877-732-2848
2024 Overview
General Credit Union Information
San Diego County is an NCUA insured institution located in San Diego, CA. It was founded in 1938 and has approximately $13480.21 millions in assets.
Who can join?
Everyone living or working in San Diego, Riverside and Orange counties is welcome. Plus, all members of the Financial Fitness Association.
Financial Fitness Association
http://www.sdccu.com/pages/about/ffajoin.asp
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 61004 |
| Date Established | 1938 |
| Assets | $13,480.21 million |
| Loans | $5,962.40 million |
| Deposits | $8,267.18 million |
| Capital | $1,747.02 million |
Field of Membership Restrictions
Membership in San Diego County Credit Union is open to anyone through joining the Financial Fitness Association ($8 membership fee). Membership is also open to those who live or work in San Diego, Orange or Riverside Counties in California and to employees of Select Employer Groups (not listed on the site).
Deposit Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.05% | $100 | - |
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|
|
Money Market
|
0.05% | $100 | $4,999 |
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|
Money Market
|
0.05% | $5,000 | $9,999 |
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|
Money Market
|
0.05% | $10,000 | $24,999 |
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|
Money Market
|
0.05% | $25,000 | $49,999 |
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|
Money Market
|
0.15% | $50,000 | $99,999 |
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|
|
Money Market
|
0.20% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
1.70% | $2,000 | $9,999 |
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|
| 6 Month
|
1.70% | $10,000 | $89,999 |
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|
| 6 Mo CD
|
1.75% | $90,000 | - |
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|
| 12 Mo CD
|
1.90% | $2,000 | $9,999 |
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|
| 12 Month
|
1.90% | $10,000 | $89,999 |
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|
| 12 Mo CD
|
1.95% | $90,000 | - |
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|
| 18 Mo CD
|
2.00% | $2,000 | $9,999 |
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| 18 Month
|
2.00% | $10,000 | $89,999 |
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|
| 18 Mo CD
|
2.05% | $90,000 | - |
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|
| 24 Mo CD
|
1.90% | $2,000 | $9,999 |
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| 24 Month
|
1.90% | $10,000 | $89,999 |
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|
| 24 Mo CD
|
1.95% | $90,000 | - |
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|
| 36 Mo CD
|
2.00% | $2,000 | $9,999 |
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| 36 Month
|
2.05% | $10,000 | $89,999 |
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| 36 Mo CD
|
2.10% | $90,000 | - |
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| 48 Mo CD
|
2.00% | $2,000 | $9,999 |
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| 48 Month
|
2.05% | $10,000 | $89,999 |
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|
| 48 Mo CD
|
2.10% | $90,000 | - |
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| 60 Mo CD
|
2.00% | $2,000 | $9,999 |
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|
| 60 Month
|
2.05% | $10,000 | $89,999 |
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|
| 60 Mo CD
|
2.10% | $90,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.03% | $50,000 | $99,999 | Learn More |
Loan Rates - April 23, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
7.00% | 7.00% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
6.25% | 6.25% | $1,122.80 | |
| 15 Year Loan
See Table |
6.25% | 6.25% | $857.42 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.15% | 3.15% | $728.68 | |
| 5 Year | 3.65% | 3.65% | $456.47 | |
| 6 Year | 4.15% | 4.15% | $392.84 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Conforming See Amortization Table |
7.04% | 7.00% | $2,876.25 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.16% | 7.13% | $2,505.02 | |
| 20 Year Fixed Conforming See Amortization Table |
7.41% | 7.38% | $2,553.50 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.27% | 7.25% | $2,182.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.52% | 7.50% | $2,237.49 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.79% | 6.75% | $2,831.71 | |
| 15 Year Fixed Conforming See Amortization Table |
7.04% | 7.00% | $2,876.25 | |
| 20 Year Fixed Jumbo See Amortization Table |
7.16% | 7.13% | $2,505.02 | |
| 20 Year Fixed Conforming See Amortization Table |
7.41% | 7.38% | $2,553.50 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.27% | 7.25% | $2,182.96 | |
Compare with 6.932% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.52% | 7.50% | $2,237.49 | |
|
Compare with 6.932% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are San Diego County branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
SAN DIEGO COUNTY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
San Diego County Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of San Diego County. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| San Diego County | U.S. Average |
|---|---|
| 1.30% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, San Diego County had $22,648,726 in non-current loans and $339,010 in owned assets. To cover these potential losses it had $1,747,017,527 in net worth and $21,808,152 in loans loss reserves. That gives it a Texas Ratio of 1.30%.
Net Worth
| San Diego County | U.S. Average |
|---|---|
| 12.93% | 13.62% |
San Diego County FCU has a net worth of 12.93% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for San Diego County
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