San Diego County Credit Union

I know SDCCU prides themselves on being «The Best in San Diego» and posts every where asking their clientele to vote for them and then signage every where to say they won the best. I don’t happen to agree. The Bill Payer Plus is the most ridiculous uncustomer service friendly plan around. One has to have 3 bills per month but not when the checks are cut but when they clear. As the payor, I can’t do anything about when someone deposits their check. So I continue to get billed $ 4.95/mo. I have tried many ways to get it to work and I continue to get billed. It’s a waste of my time and a waste of my money! It’s ridiculous I can’t use Bill Payor for MY convenience and not SCDDU’s! I am SO unhappy. If we had not been with you for so long and have so many things tied up with SDCCU, we’d go some where else! Not sure if anyone cares!

This is the first bad experience with SDCCU. The manager was very unaccommodating and ignored me when I told her I had overdraft coverage linked to my savings acct. She insisted I was overdrawn and would be holding my check for 2 days. My branch in san marcos would never do that. She even said that I shouldnt spend money if there is nor enough in the acct. I took the check to my bank and it was deposited and credited immediately. I can only assume she is from some large corporate bank like BofA where customer service is unimportant. She is not a good fit for SDCCU.

For banking, San Diego County Credit Union is a no-​frills, good value bank. As for mortgage lending — I would not shop here if you are someone who is looking in a dynamic market and need to be competitive in a seller’s market.
It took nearly one month for an underwriter to process our loan application. Each time we wanted to make an offer on a property it would take 3 days to get a fresh, updated approval letter with the required amount for an offer. If you requested it on a Friday morning, you would be lucky to get it on a Monday evening. It would take at least 24 hours to hear back from the loan officer, sometimes even longer — 48 hours. We would have to drive all the way to the bank to get attention from this person because she would not answer her phone. We had a serious conversation with the bank manager twice about the lack of customer service, but because of the bureaucratic processes, nothing was ever done about our concerns and requests.
It was frustrating to say the very least… especially when you *try* to give them nearly $ 1 million dollars for a house when all is said and done. Apparently, they want your money, but not *that* badly. Unfortunately, we spent 3 months going back and forth, losing out on offers because they would take days just to answer our calls. We turned to another lender who would write up our pre-​approval letters in 45 minutes. Yes, 45 minutes! So, you’re saying that it doesn’t *have* to take 3 days to get a pre-​approval letter for a purchase offer? Wow! We were shocked and disappointed in OURSELVES for tolerating this for so long.
Then, the bank has a program that gives you credit for using a Berkshire Hathaway realtor… it was an unpleasant experience because the realtors they gave us were either unprofessional or just too busy to show us houses, let alone actually look for them for us. It is not worth a 20% credit on commission to wait 3 days before a realtor can show you a house — by then, 2 other buyers have already put in an offer. You’ve missed out on a home (or several like us) because the agents and the bank have failed to follow through.
I do not recommend anyone to buy a loan from this bank unless you have one fixed price and are not planning to shift your finances/​pre-​approval letter to be a competitive buyer. This lender is not for competitive buyers in a quick moving, high demand real estate market.

Honda Financial services somehow managed to duplicate an online payment and of course had absolutely no record of charging me twice:/…I stopped by this branch today to file a dispute and was really impressed with the customer service. Staci McAleer helped me through the process and was very thorough and patient, making sure every aspect of the ordeal was covered. She really took an unpleasant situation and made the best of it! What could’ve been the start to a frustrating day was completely diffused. Thank you Staci, I really appreciated your excellent customer service!

Went in to get a replacement card. The process was so fast and Staci was very helpful. Thanks SDCCU for providing great customer service!

SDCCU really needs to catch up with the financial industry. I would really like the convenience of using my PC tablet to deposit checks but there is no such app available. They cater only to Apple which misses out on a huge market for the tablet based on windows. Lots of complaints about the «mobile» apps they do have already. Get it done!

Hate and done with this bank. Too many mistakes with Bill Payer Plus, POOR customer service, LONG hold times. Today they asked my beneficiary to have access to my account.
Ive been with them since 2007 and have NEVER been asked that. Sent an «expedited payment» via Bll Payer plus and a paper check went out (instead of electronic which is usual). But they said Bill Payer lus is its own company now.
Will be closing this account and looking for another bank.

I’m only giving 5 stars because of an employee this location has named Matt Gevargiz. My mom and I previously went to the SDCCU in La Costa that Matt used to work at but we followed his move to the Encinitas branch because he is by far the best person we have met at any credit union or bank and we didn’t want to lose him. He’s personable and hilarious and has us cracking up every time we come in, but stays professional and always solves our problems. We never expected going to a bank could be fun or put us in a positive mood but I actually look forward to going to SDCCU now. Super cool guy, I strongly believe this location will benefit by having him there.

I love SDCCU in general, but this branch is my favorite by far. Short lines, fast service, & a friendly staff are why I drive past two other branches to do the majority of my banking here.
Just today, I was in and out in under 10 minutes when I needed to: make a deposit, get two cashier’s checks, open an additional account and get temporary checks printed for the new account… all while getting world class service from Janai K, my teller.
Oh, and that time included my wait time.

Biggest RIP OFF Credit Union I have ever been to! HIDDEN FEES, they are looking to nickel and dime you every chance they get! On top of that the manager was rude to me. I regret ever walking into this place. Mission Federal has been far better.

This is my neighborhood bank. People are super friendly (and not in a fake way). Always helpful. I’m very pleased with my bank and will continue to bank here for years to come.

Anyone can provide «good service», but what impressed me most about SDCCU was «thoughtful service». My wife and I are having twins in three weeks and needed a new family car. Mark S. not only helped us get a great rate, but was also thoughtful about the little things that really weren’t his responsibility. In the end one of those little things saved me from having to drive 4 hours. My wife and I went into SDCCU because of the low interest rates on a loan. We will keep coming back because of thoughtful service from people like Mark.

This is my home bank. However I prefer the San Marcos location. Parking is more convenient at the other location plus this place is slow. They do have a drive thru ATM however it’s still 3 stars

This bank does not keep its word it punishes its bankers because of the employees who give out wrong information on banking. I would seriously consider not banking here.

Not bring a customer yet I thought I would get much better customer service but the woman who helped me couldn’t have been much colder, less friendly and less helpful. Needless to say, I’m not a new member.

SDCCU is a good credit union. I have an account that lets me get money orders and wire transfers so I can easily spend and send my money. They have a very small number of lock boxes and you can not get on a waiting list. If you visit frequently and ask about them you may be able to secure a coveted lock box. Good luck, it took me 8 years and I am not giving it up anytime soon.
SDCCU has good banking plans with no monthly fee, in this economy it is about all that I can ask for.

I had always been told that a credit union was the best way to bank because they were local and cared more about their clients than the big national banks. I’m writing this review for anybody out there that has heard the same thing but has not made the switch. It’s true.
My wife and I recently closed our accounts at Chase and Union Bank of CA and switched 100% to SDCCU and we couldn’t be happier we did it. We met with Theree at the Encinitas branch and the experience was unbelievable and she continues to be very helpful and kind. She treated us like family and it was obvious that SDCCU empowers their employees to care for clients. There is a clear culture of kindness and professionalism. A welcomed change after feeling like a number at the big national banks.
Thanks to SDCCU for welcoming us to the family and treating us so well.

I’m already a customer, but I just got an auto loan from them. The process was easy and efficient; they let me know everything I needed.
The only negative is they seem to discourage buying cars older than four years, as well as private party. They do have this sort of loan, but you have to jump through some additional hoops to get and process them.
Otherwise, the woman that helped me asked the right questions and got the loan processed in about half an hour.

My husband I desperately want to get away from B of A and open a new joint account together rather than just combining our assets at BA. I had tried applying online but after the 18 pages of questions had gotten an error message and nothing else came of it.
Not checking their hours we cruised over on Monday to arrive at 4:59 only to see that they close at 5p. Figured we were there so we popped in anyways expecting to be turned away. To our delight they took us in and took care of us. Not only was everyone very nice (and didn’t rush the process) but we left with our new account and new debit/​credit cards IN HAND. How cool is that? As soon as the checks arrive we’ll be off and running. It’s great that they don’t charge all of the damn fees that BA keeps endlessly tacking on and increasing — I cannot wait to go and close that account.
I also signed up for the whole ‘take a picture of your checks to deposit them” thing yesterday and voila — easy, quick, fun and hey look, there’s the money in my account.
I’m so relieved to have moved to a smaller and local credit union where perhaps I can actually take advantage of their credit card and car loans if needed.

Went to deposit checks this morning in the ATM. Looks like they have upgraded to the ones that scan the checks. It’s pretty cool because your receipt has a copy if the check on it.
In general SDCCU is a decent credit union. They suit my needs and I like that I’m supporting a local company.
My biggest issue the pace in which they are evolving. They invested in the iPhone app. I can check balances and even pay bills with my phone. Yet I still can’t deposit from my phone like many other banks can. PLEASE PLEASE PLEASE invest in the technology. I have two checks that I get that I have to deposit and they barely warrant the gas to drive and deposit them.