If you are an authorized representative of San Diego County Credit Union, please contact us to have your products included.
It is so unfortunate that you can not give a minus 10 stars. I've been a loyal member of the San Diego County Credit Union for well over 22 years, with no complaints, until now. It seems that SDCCU has a new policy in place to screw their very loyal customers. 5 Years ago my late wife and I consolidated all of our loans and took out a 5 year ARM, with the thought that when the 5 years of the ARM was up, the loan would revert to the current home loan interest rate. Unfortunately it does not. It was tired to some phony Gvt. rate and the new rate, (after 5 years) is almost twice what the current going rate for a home loan is today. Not to worry, I received in the mail "Pay $0 Closing Costs, 5/5 Adjustable Rate Mortgage Loan". Unfortunately this offer is for "NEW" customers only. The cost for a loyal 22 plus year customer to refinance their home loan is approximately $6,000.00 to $8,000.00. That just goes to show that they don't really give a dam about their current loyal customers. You can bet that I will be taking "ALL" of my banking business to a new place that values loyal customers.
Exceptional customer service at Poway Branch but the mortgage department seriously needs intensive training on business ethics and finance education. I am a victim of mortgage discrimination and fraud from proven actions during the mortgage refinancing. Borrower don't deal face to face on personal basis as previous years and everything was basically done on-line and on the phone. They failed to communicate effectively, delay responses to buy time for your rate to expire and misinformed borrowers.
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.