I have been with SDDCU since high school in the 90s! While their application process for loans may take longer than the big banks, their rates are great and their customer service is awesome. I highly recommend.
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Most Helpful Negative Review
I had my account at sdccu since 2009. I have my direct deposit as well with them. I have a visa credit card as well which the cremit limit only increased once considering the amount of money deposited into my account each month and good credit history, all thry could give me is. $3,000 credit limit, thanks but no thanks! They never offered an increase, either and will pull out your credit score each time you ask for one unlike capital 1 which looks at your payment history and base it on the monthly credit report they receive each month. I applied for a house refinance last dec 1st and the lady at the escondido blvd branh wasnt very helpful. She never return calls and basically ignored my calls the whole time. I called for a credit limit increase inquiry and the lady flat out told me she can assist me with closing my account if im not happy when all i said was i felt like we are not moving forward since my credit limit is still at 3,000. How rude! So i went to chase the same day, opened and new checking and savings, moved my direct deposit and got offered 15,000 credit limit. There had been instances that my credit card got declined for fraud stuff when i was in la or las vegas eventhough they had been notified about the travel ahead of time, sooooo embarassing!!!!!!!!!!!!!!!! I am only giving them 2 stars for the great free checking, no hidden fees whatsoever.... Otherwise, sdccu is a bad joke! I encouraged my staff not to open accounts there.....