San Diego County Credit Union

I moved out of town and called to get a new debit card when mine expired, and I hadn't received a replacement. They refused to send me one for another two weeks because I had just changed my address online a week or two prior. When I requested to close the account, they were willing to immediately send me all the money in my account via cashier's check, but refused to close the account for another two weeks due to the online address change. In what world does that make any kind of sense?

Superb, and I don't usually take the time to do this. They helped me find a car and got me the best rates. Taylor specifically was extremely sweet and professional as well. We felt that the whole experience went well, from Joanne finding us a car at our best price ($1,000 better), and it was delivered to us with the exact specifications we wanted. Deangelo Guillory, the branch lead, picked an excellent staff with great rates. This is the Solana Beach location I am speaking of. But they are great at finding you a car. I highly recommend them.

The tellers are rude, and it's a constant challenge to bank at this credit union. The rates aren't even very good; it's totally different from how it was years ago. I would suggest staying far away from this bank.

A good rule of thumb is that whenever you're aware of a non-profit through their branding and marketing strategies, it's a sign that the organization is overly focused on their public perception and neglecting their values. Similarly, San Diego County Credit Union has invested significantly in their "good guy" image while engaging in the same questionable banking practices as major banks.

They exploit every member who is currently living paycheck-to-paycheck with their overdraft practices, imposing transactions as little as a few cents with $32 fees that can easily accumulate into a significant amount of new debt, even if the transactions total less than $5. There is no grace period, nor will they show leniency for the first time, and they often charge multiple fees. They collect the most overdraft fees of any San Diego-based credit union. They collected as much as $18 million in overdraft fees in 2022, and the CEO is the most well-compensated credit union executive in the county.

Their overdraft practices are so aggressive that they will sometimes impose overdraft fees when their system is down. On more than one occasion, I noticed that my online bank account balances were incorrect. Their system reflected that I was a couple hundred dollars in the negative when my account should have been positive. I tried to deposit cash into the ATMs to correct my account in their system, but all the ATMs were out of service. When everything came back online, my bank account had been charged with overdraft fees for being in the negative, when the only reason it was negative was because of their own system error.

Regarding online banking, their banking app is among the most outdated and difficult to navigate. Additionally, they don't support Zelle, and their ATMs have the potential to damage your card. They don't have the capability to issue new cards at the branches. Because of the numerous issues I encountered while banking with SDCCU, I decided to close my account.

If you are considering switching to a San Diego-based credit union, literally any other credit union would be immensely better than this one.

As a member for over 20 years and a county employee, I'm disappointed with this bank. I had to go to a different credit union for my car loan due to their tedious process and poor lending standards. Even after closing a secured credit card I held there for literally four years, never late and with good credit, they wouldn't offer a regular card. Their fees are no different than those at Bank of America. SDCCU is officially a "big bank" institution. I'm taking my county paycheck elsewhere this year.

Bank is poor, the app is bad. Don't bank here. Was a member for 8 years. You have been warned! The customer service is bad. Loans are poor; the bank does not care about you.

Unfortunately, I have had an account with them for over 30 years. Yes, 30 years! They used to be great, but they have deteriorated year after year. Where do I begin? I just came from one of their branches today. Of course, the ATM wasn't working, and all I wanted to do was make a deposit. As fate would have it, I encountered the worst employee they have – usually, I wouldn't even approach her window because she is a weirdo. Typically, I would ask for another teller; she is that inept. She has an obsession with sunglasses, which are prescription. Every time I have visited in the last five years, the service has been terrible. I have accounts with other institutions where I am not treated like a criminal. I will be closing my account permanently. For your information, read your member agreement carefully. Some credit unions reserve the right to cross-collateralize your debts. For example, if your car is almost paid off, they might sell it at auction and use the funds to pay off your credit cards without warning. Beware.

If you are outside San Diego, you can no longer use any other credit union for services. If you are traveling and need something, forget it. If you move away from physical branches, forget it. Additionally, they no longer allow you to send money outside the bank externally. Yes, that's true. I called today to do a wire transfer for a mortgage, and they informed me they don't do that. My option is to print a long form, have it notarized, and send it physically to them and wait weeks for the transfer to occur. Also, there are no external transfers at all. If you have an outside savings account, for example, you can't send money. Bank elsewhere. I've been there for decades and am leaving.

Good lord, this bank is terrible. The app is awful, as I cannot update my address online or through the app. I sent a secure message to customer service to update it, and they told me to update it online. However, this is not an option. I have a savings account I have never used, but they won't let me close it until I pay off my car loan. There are a few hundred dollars left on the loan. I just want to update my address so I can pay off my loan and get copies of any documents to my new address, just so I can close this terrible account.

This is definitely not the best credit union as it is voted on yearly.

This used to be an Employees' Credit Union for San Diego County employees. Since that changed, it has become nothing more than a commercial bank. Its rates are high, its rejection rate is high and unusual, among other issues.

They hold my primary credit card as we get rewards of up to 1.5% towards airline rewards, the predominant reason I have the card. Recently our card was compromised, and I requested a new card on a Saturday. As of Wednesday, it was still being processed.

We have high six-figure amounts of money in the credit union between them and their investment group. They wanted a whopping $50 to expedite shipping of a new card. Really?

This was a terrible experience.
First they qualified us for a loan for $30k. My husband took their promissory note to the dealership and “bought” car. When he returned to the bank to finalize the paperwork they decreased the amount by $8,000!! He then spent hours at the bank while they worked on it continually asking more information (documentation) from him. They stayed 30 minutes past closing time so he had to go back the next day to finalize it.
He then drove the paperwork up to the dealership only to find out 4 days later that the bank made an error on the loan by not putting the dealership’s name on the check. Even though its the banks mistake they’re asking us to drive to the dealership to bring them the wrong paperwork, then we’ll have to wait while they fix their mistake and we have to drive it back out to the dealership.
I’m very unimpressed with the customer service in this error. I’d like to cancel the loan and take our business elsewhere now but they say we can’t even do that

By far one of the worst banks in Southern California; online banking is constantly offline, the branches are deserted with one person helping 10 people in line, random issues with their debit cards declining but then working just fine the next day.

They are so incompetent that they warn you all the time about protecting yourself from social media scams, yet they allow their Facebook page to be filled with scammers posting comments because apparently no one manages that asset in the bank.

Do yourself a favor and stay far away from them.

If I could give them zero stars I would. They have been the worst bank to deal with before and after my father passed. They don't recognize Power of Attorney. (wanted to do their own, sounds fishy) They would almost not recognize Letters Testimentary after he passed. They made me jump through many hoops for a settlement of his accounts. Now they are giving my siblings a hard time to get their kids (the grandkids accounts). They actually told my sister she would need to get a lawyer to prove she is the mother of her children and will not let the minor children have access to their own bank accounts. Even with ID's, birth certificates and drivers licenses. Once this is over we will never set foot in this credit union again.

Ex-DMV employees working at SDCCU now? (That's being unfair to DMV employees). TERRIBLE customer service in East Lake branch. They treat you like you owe them money when withdrawing funds from your own account. Absurd!

Finally closed my account, checking and savings. Had nothing but trouble with them, online was terrible. And at the location in northpark. Terrible service in person and Take off your hat when you enter...what the H is that about. Never encountered something so crazy.