Credit union · NCUA insured
San Diego County Credit Union
A $9.4B credit union, the 36th largest of 4,329, headquartered in San Diego, CA, with 413,767 members and 39 branches in California. Best rates: CDs 3.25% and savings 0.05% APY.
San Diego County Credit Union Carrot Score
70
Carrot Score
Higher than 26% of U.S. banks and credit unions
#27 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About San Diego County Credit Union
Originally chartered in 1938 as San Diego County Employees Credit Union, the institution was formed to serve the financial needs of local county government employees.
San Diego County Credit Union is a member-owned, not-for-profit credit union operating 39 branch locations across San Diego, Riverside, and Orange counties.
- Headquarters
- 6545 Sequence Dr, San Diego, CA 92121
- NCUA charter
- 61004
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone living or working throughout Southern California: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties.
Employers and groups
- Membership is open to anyone who joins the Financial Fitness Association for an $8 fee.
Family and household
- Membership is open to any immediate family or household member of a SDCCU member.
Cost to join
- A $1 savings account opening deposit/selection to establish membership.
- A low $8 fee to join the Financial Fitness Association.
Branches
39 branches in California
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California
39 branches
San Diego area · 31
- Branch 36 La Costa7630 Via Campanile Ste 138, Carlsbad, CA 92009Directions
- Branch 7 Carlsbad2530 El Camino Real, Carlsbad, CA 92008Directions
- Branch 16 Eastlake2280 Otay Lakes Rd, Chula Vista, CA 91915Directions
- Branch 4 Chula Vista303 H St # 1, Chula Vista, CA 91910Directions
- Branch 3 El Cajon312 W Main St, El Cajon, CA 92020Directions
- Branch 6 Encinitas501 N El Camino Real, Encinitas, CA 92024Directions
- Branch 11 Escondido Branch1875 S Centre City Pkwy Ste F, Escondido, CA 92025Directions
- Branch 17 Escondido Civic Center150 E Valley Pkwy, Escondido, CA 92025Directions
- Branch 25 La Mesa8555 Fletcher Pkwy Ste 101, La Mesa, CA 91942Directions
- Branch 38 National City2525 E Plaza Blvd, National City, CA 91950Directions
- Branch 28 Oceanside625 College Blvd, Oceanside, CA 92057Directions
- Branch 22 Poway14099 Stowe Dr, Poway, CA 92064Directions
- Branch 10 Carmel Mountain12330 Carmel Mountain Rd Ste C1, San Diego, CA 92128Directions
- Branch 14 Mira Mesa6705 Mira Mesa Blvd, San Diego, CA 92121Directions
- Branch 15 UTC Regents7708 Regents Rd, San Diego, CA 92122Directions
- Branch 18 Pacific Beach1664 Garnet Ave, San Diego, CA 92109Directions
- Branch 27 Mission Valley2245 Fenton Pkwy Ste 107, San Diego, CA 92108Directions
- Branch 29 Del Mar12980 Carmel Country Rd Ste C-100, San Diego, CA 92130Directions
- Branch 30 Rancho Bernardo11965 Bernardo Plaza Dr # 169, San Diego, CA 92128Directions
- Branch 31 Rancho Penasquitos13179 Black Mountain Rd Ste 3, San Diego, CA 92129Directions
- Branch 32 Sports Arena3455 Sports Arena Blvd Ste 120, San Diego, CA 92110Directions
- Branch 33 North Park3180 University Ave Ste 100, San Diego, CA 92104Directions
- Branch 35 Balboa Genesee5407 Balboa Ave Ste 420, San Diego, CA 92111Directions
- Branch 41 Scripps Ranch9974 Scripps Ranch Blvd, San Diego, CA 92131Directions
- Branch 44 College Area6145 El Cajon Blvd, Suite 3D, San Diego, CA 92115Directions
- Branch 8 Kearny Mesa5500 Overland Ave Ste 190, San Diego, CA 92123Directions
- Branch 19 San Marcos790 W San Marcos Blvd, San Marcos, CA 92078Directions
- Branch 34 San Ysidro2036 Dairy Mart Rd Ste 130, San Ysidro, CA 92173Directions
- Branch 5 Santee286 Town Center Pkwy, Santee, CA 92071Directions
- Branch 21 Solana Beach677 Lomas Santa Fe Dr, Solana Beach, CA 92075Directions
- Branch 2 Vista1475 W Vista Way, Vista, CA 92083Directions
Los Angeles area · 5
- Branch 43 Costa Mesa2300 Harbor Blvd Ste A1, Costa Mesa, CA 92626Directions
- Branch 26 Laguna Niguel32341 Golden Lantern Ste A, Laguna Niguel, CA 92677Directions
- Branch 39 Alicia Parkway27280 Alicia Pkwy Ste A, Laguna Niguel, CA 92677Directions
- Branch 42 Mission Viejo23982 Alicia Pkwy, Mission Viejo, CA 92691Directions
- Branch 45 Yorba Linda4971 Lakeview Ave, Yorba Linda, CA 92886Directions
Riverside area · 3
- Branch 23 Murrieta25165 Madison Ave, Murrieta, CA 92562Directions
- Branch 24 Temecula North29097 Overland Dr, Temecula, CA 92591Directions
- Branch 9 Temecula31693 Temecula Pkwy, Temecula, CA 92592Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.82% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.20% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.55% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $66 | $88 | — |
- CapitalNet worth ratio19.82%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.20%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.55%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$66Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of San Diego County Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.