Great banking experience
Written: Feb 04 '04 (Updated Apr 17 '04)
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Pros: great website, friendly customer service, many branches and ATMs
Cons: monthly fee if no direct deposit over $100/month
The Bottom Line: If you find this credit union to be in convenient location for you - why not try it out? Great service guaranteed.
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| djork's Full Review: San Diego County Credit Union |
My membership at the San Diego County Credit union has last 2 years now - I have had no disappointments so far.
A little history:
SDCCU is a family owned institution, established in 1938. Since that time it grew to 20 branch locations to serve 150 thousand people. In the past 10 years they've experienced the most growth, increasing their $300 million in assets to over $2 billion. So things have been going quite nicely for them the past couple years.
This credit union provides all of the general options of the credit unions. They are quite interested in new accounts (of course) so the application form is posted on their website (http://www.sdccu.com/pages/index.asp). Savings account requires $50 minimum deposit, checkings account - $100. Checkings account has $4 monthly fee, unless one has direct deposit of paychecks.
Checks can be dropped off in person or into drop-boxes. They provide envelopes for free, that can be mailed out from home (stamp required) with the check, or filled out on the spot and dropped off, if the office is closed. Cash, of course, has to be dropped off personally during their working hours.
Here are some options they offer:
- Some branch offices open on Saturdays.
- Free Visa Check Card cashable at 17,000 free ATMs nationwide and wherever there is the Visa symbol. Also useful as debit card for those Cosco stores.
- Business accounts.
- Personal and business loans.
- Home loans - terms of 15, 20, 30 years with loans of 1 million and above. Equity lines and refinancing programs.
- Low-rate auto loans to finance or refinance new or used vehicle.
- Auto-buying services.
- Optional Bill Payer PlusTM, electronic bill payment and financial management service.
- Fly Miles® Reward Program for SDCCU Visa Gold and Visa Platinum Credit Card or EquityLine Visa.
- Traditional and Roth IRAs, Coverdell Education Savings Accounts and IRA Certificates.
- Free financial counseling.
- Electronic statements option.
- teenFIRST program - that gives 16-17 year-olds checkings and savings accounts, and other options.
- Safe deposit boxes for valuable documents (deeds, birth certificates, etc.) - free for people with large savings accounts - one key is given for free.
During the time I was their member, not once have I had a chance to talk to a rude representative over the phone. Nor when I came in personally at one of their branches, of course. So I would definitely recommend them to any of my friends.
SDCCU website: http://www.sdccu.com/pages/index.asp
Recommended:
Yes
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Epinions.com ID:
djork
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Location: south CA, USA
Reviews written: 19
Trusted by: 0 members
About Me:
College student in sciences; traveled some; love coffee, cats, plants, trips, music, and the net
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