San Diego County Credit Union is San Diego's largest locally-owned financial institution and a not-for-profit credit union wholly owned and operated by its members. Unlike big banks, SDCCU does not issue stock or pay dividends to outside stockholders - instead, earnings are returned to members in the form of lower loan rates, higher dividends on deposits, and lower fees.
Founded in 1938 as San Diego County Employees Credit Union, SDCCU has grown from serving local county government employees to being open to everyone living or working throughout Southern California, including Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, and San Luis Obispo counties. With over 412,000 members, 39 branch locations, and access to more than 30,000 surcharge-free ATMs, SDCCU provides comprehensive financial services including checking and savings accounts, home and auto loans, credit cards, investment services, and wealth management.