Intro – San Diego County Credit Union (Ranking & Review)

AdvisoryHQ recently reviewed the top credit unions in San Diego, California. Each credit union was individually researched based on general concepts of quality and value.

Various criteria were considered during the research process, some of which include fees, convenience, branches, online banking, education materials, and the selection of available services.

Below we have highlighted some of the many reasons San Diego County Credit Union was selected as one of the best credit unions in San Diego, California.

San Diego County Credit Union Review

San Diego County Credit Union is the largest locally-owned financial institution in San Diego. This credit union in San Diego maintains more than $7.9 billion in assets, and it’s entirely owned by its members.

San Diego County Credit Union was chartered in 1938 to serve the financial needs of local county government employees, but now members include anyone living or working not only in San Diego but also Riverside or Orange County.

SDCCU has more than 340,000 members and 41 branch locations, and it has been voted the Best Credit Union for 16 consecutive years by the San Diego Union-Tribute Readers Poll.

Key Factors That Led Us to Rank This Credit Union as One of the Top Credit Unions in San Diego

Below are some of the most pertinent reasons San Diego County Credit Union was selected as one of the top ranking credit unions in San Diego.

San Diego County Credit Union ReviewImage Source: San Diego County Credit Union

Checking Accounts

Customers of SDCCU can choose from several different checking account options, including Free Checking with eStatements, Classic Checking, High-Yield accounts, and Teen Checking.

Regardless of the option a member selects, they receive the following standard checking benefits:

  • Access to 30,000 surcharge-free ATMs
  • Text and email alerts
  • Visa debit card that’s instantly issued in the branch
  • Free Internet Branch online banking
  • Account alerts
  • Overdraft protection options
  • Free direct deposit

SDCCU Paybacks

Members of San Diego County Credit Union, one of the top credit unions in San Diego, can participate in the Paybacks program, which provides cash back just for using a debit card or credit card issued by SDCCU.

It’s as simple as clicking on the offers you’re interested in for activation; after you pay with any San Diego County Credit Union debit or credit card, rewards are automatically deposited into your account.

When you enroll in Internet Branch online banking, you’re automatically entered in the Paybacks program, and rewards can be used on travel, dining, merchandise, and more.

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Dining Deals

Another signature program available to members of this credit union in San Diego is Dining Deals, SDCCU partnered with Mogl so members can earn cash back when they dine out, without the use of coupons or loyalty cards.

Once a member is registered as a debit or credit card holder and dines at a participating restaurant, they can earn up to 25% cash back.

Enrolling is as simple as signing up through your online banking account, and you then confirm your enrollment at All rewards are automatically put, as funds, into your San Diego County Credit Union account.


MoneyTracker makes budgeting simpler for customers of SDCCU. This tool provides a comprehensive picture of your finances, letting you view all of your accounts in one central location, through the Internet Branch online banking offering.

You can integrate external accounts as well as San Diego County Credit Union accounts, and sign in with one password to see everything in one secure spot.

The free MoneyTracker service features customizable text messages and email alerts, options to categorize spending and transactions, and search tools to filter transactions based on store, amount, date, or category.

In addition to reviewing the above San Diego County Credit Union review, you can click on any of the below links for exclusive reviews of all top rated credit unions in San Diego, California:

AdvisoryHQ (AHQ) Disclaimer:

Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info.

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