San Diego County Credit Union

Lulu H. is amazing! I went in last week to open a joint account with my husband. She made the process extremely easy and quick. She also gave us great advice on how to manage our money and credit.

I like this bank. They generally have good service. This last time I was helped by Lulu. She was very helpful and professional.
Pros:
Good service
Good location
Good pricing
Cons:
OLD and smelly (needs to be renovated)
Always busy
Good job for a bank though. Usually at banks you can tell they have been trained to do specific things (i.e. say your name three times, have a tag line, upsell — even when not appropriate –trust me, I was a bank manager for many years). This bank has good service without the fakeness and extremely overdone «customer service».
It was to the point. I liked it very much.

I started banking with SDCCU last year. I love this branch and all of the workers here. Miriam was especially helpful with my car loan. They are all very friendly & remember me every time I come in.

Now that my home refi has gone through, it’s time for yet another SDCCU update. I’m breaking my review into two parts: one for their mortgage lending and other for banking, both personal and business.
MORTGAGE– 3 stars.
You’ll get a great rate IF you’re ready to spend a lot of time and effort cajoling SDCCU to process your loan.
My loan was on its way to taking 3 months to close. It wasn’t that SDCCU was waiting for anything from me – it was was that they were taking 3 weeks to review an appraisal and the loan was held up in a queue of loans awaiting processing. As we neared the end of April for a loan I’d applied for in Feb, I spoke with a mortgage manager who told me there were 28 loans ahead of me waiting to close, some waiting since January. That call helped, presumably my threat to cancel the whole thing; my mortgage closed by the end of April, 2 ½ months into the process. My condolences to the other 28 loans in line.
The rate and plan were excellent: 2.875% absolutely-​no-​cost ⁵⁄₅ ARM. That was worth the fight. And you only have to put $ 1 into a savings account there to maintain the loan.
BANKING — 0 stars
Just don’t, especially for a business account. They’re worse than kids playing bank. I had both business and personal with SDCCU for a couple years. To rehash what I experienced:
* New ATMs (which could FINALLY take deposits) were glitchy, and an ATM did a double-​withdrawal. Had to spend 30 minutes in a branch to get that figured out.
* The PIN and account info were stolen on my personal account card, probably from using their new ATM. I’d only made PIN transactions at three places: several at their ATM, one at a Ralphs, and one at a WallyMart. I had to get the Carlsbad Police involved to get a report and indicate my primary suspect: someone involved with at new ATM at the SDCCU. The manager was at first reluctant to immediately credit me back for the stolen funds until I gave her the police report number and described my primary suspect.
* No way to transfer from business to personal accounts online. Guess what that means: a trip to the credit union!
* To avoid deposit problems and multi-​day holds on even small business deposits, the manager encouraged me to make my deposits in person. More time in the branch every couple weeks…
* Business VISA check card they originally gave me was barely embossed, leading to two merchants refusing to accept the «suspicious» card.
* They charge «ATM Fees» on debit transactions done online (i.e., to PayPal or Verizon)
* Website frequently down; once at a branch, their entire computer system was down, and my deposit had do be done on paper. Trust me, I stapled my carbon copy to my wall… who knows what’s going to happen to that deposit! There were a lot of angry customers there who couldn’t make withdrawals and commented that this wasn’t the first time.
* Reordering business checks is a nightmare. Have to start the process online and continue with a call. They screwed up my address and I never got the checks; instead I ordered them from Costco.
My business and personal accounts are now at the less-​evil Chase. Everything works seamlessly and the fees for the business account are less than SDCCU, and zero with a $ 1500 min bal on the personal.

Stay far away from this location! If I could give this review 0 stars I would. My husband and I came in here one afternoon to open up a savings account. As soon as we walked in we were treated rudely. The receptionist (Monika) in the front kept staring my husband up and down giving him bad looks while we were discussing what proper documents we needed to open up a savings account. The security guard was listening in on our conversation with the receptionist and he kept interrupting with these rude remarks (the younger latino guy). We finally got fed with their horrible customer service and left. We ended up going over to the Oceanside location (even though the Carlsbad location is right by our house) where we were treated with the kindness and respect that we deserved (even the security guard was nice and minded his own business). We will never set foot in this location ever again. We’ll drive the extra 10 minutes to get better customer service and not deal with these awful people.

I used to be a huge fan of sdccu. Without going into my personal drama, the bottom line is that something has changed here over the past year or two. The customer service is overall absolutely terrible (every now and then you get a shining star, but I don’t want to deal with that ratio in order to have access to my financial information). Just one of several examples: I had a teller refuse to give me information because she said I stated my SS# and/​or Birthday incorrectly. I am 50 years old– I KNOW both of these numbers forward and backward. When I asked her to please allow me to state them both for her again (because clearly there was a misunderstanding), she stated that she could NOT allow me to repeat it as I could guess differently now that I know one of them was wrong. She let me know that I was now blocked from this account. It was obvious I was dealing with a «problem employee», so I asked
to speak with her supervisor. When she asked for my phone number, I asked her to repeat it back to me, just in case. Sure enough, she transposed the last two numbers. When I asked if it was possible that she might have done this with my social as well, she stated that no, it was not possible. Hmmm. When I spoke with her manager, he stated it was a «he said/​she said» situation– I asked him to review the recording of the call if possible. He put me on hold to do so. He returned to phone and informed me that I would not have access to MY account information until I came into the branch with my ID. I reminded him that I now live on the East Coast (which we had covered earlier) and my coming in was not possible. It took several hours in the course of a couple of days, but it was finally resolved. I am now in the process of closing ALL of my accounts here and going to a better bank. So sad to see an organization that used to be great go into the toilet like this.

I have had a commercial account at this location for five years. One of these days I will find another bank. The tellers here just plain suck, with few exceptions. It seems like a very unhappy work force. The first sign of this is the grumpy old man security guard that cannot even acknowledge a simple pleasantly like good morning. He acts like some worn out old county jail guard. I give this place a one star only because there is no zero star on the scale.

Moved over to SDCCU after getting tired of paying Chase fees and dealing with the awful customer service at Chase.
I’ve got nothing but good things to say unlike a lot of reviews on here, which I was very surprised to read. I opened a checking and savings account, followed shortly by a car loan. All transactions have been smooth, and the free Bill Pay feature is fantastic. My two interactions with customer service folks have been great. My only hesitation for a 5 star review is that I have only been a customer for 6 months.
Definitely recommend if you’re tired of dealing with big banks charging you small fees while posting 9 figure quarterly profits.

I have never been treated with so much disrespect by a business, let alone a BANKING INSTITUTION, before.
My husband already has an account with SDCCU. When it was time for me to open an account, I went in with the cash to deposit and the relevant documents.
They wouldn’t approve me because they said my address was invalid. This is rather weird, considering my HUSBAND has an account with them at that address.
They toyed around with me finding basically every little problem and the chick working on my account kept getting up to talk to her manager every 2 minutes with another little problem they might have.
I imagine the fact that I have dreadlocks and I was putting cash into my account might have had something to do with that, but joke’s on them as I run a successful web developing/​consultation business and could have opened a business account in due time.
After wasting my time for over an hour, they finally just said the address was a no go and I was denied. Obviously miffed, I asked for all of the forms that had my information on them and they would NOT give them to me. I finally just stormed out — but not before I had to wait for security to let me out, as the place was CLOSED by that time (I showed up well over an hour before they closed).
A week later, I get a letter in the mail telling me about the denial based on address and then a report on the CREDIT REPORT they filed for me.
Thanks for not only treating me like garbage, but messing about with my credit.
Wells Fargo was happy to have my business — and even gave me free Lake Elsinore Storm tickets as a thank you for my time.

Been a customer for years. Always loved coming here, especially the Carlsbad branch.
However, the service has really gone done here recently (long wait times, bank close a few minutes early, staff are untrained, manger doesn’t care).
Also, the Mobile Deposit app claims to post checks to your account in real time with ‘normal holds’, but when I went to deposit my paycheck (also from an SDCCU bank) they placed a two day hold on it. I didn’t need the money at the time, but the excuse when I called was beyond lame.
The Encinitas branch is still awesome, but I have to drive 8 miles out of my way to get there.
I hope they fix it, but if not, I’m about to switch to Navy Federal. Enough is enough.

I’ve been banking here for over a year and have only had positive experiences. I was with Wells Fargo before and it was a nightmare. I also have a mortgage through SDCCU and it was a smooth and organized experience.

After decades of doing business with Bank of America my wife and I closed all of our BofA accounts and took all of our business to SDCCU. BofA treated us like an inconvenience at every opportunity. We had three checking accounts, three savings accounts, a mortgage and a HELOC with them. You’d *think* they’d want our business, but all we ever had was headache after headache.
When we went to SDCCU to finish setting up our accounts the very first time I was feeling good about our decision. Quick service, very nice people, fast to answer questions and a nice security guard that opens the door for you when you walk in.
Not long ago I was setting up financing for pick up truck. I was able to handle everything bu the signatures by email with an SDCCU rep. I made an appointment to go in and sign the documents. When I arrived the bank rep was ready, had the folder sitting right in her desk and immediately got to work. I was in and out in less than ten minutes! THAT is SERVICE!
We now have out mortgage, a HELOC (great rates on both!), three checking accounts and three savings accounts with SDCCU and we’re very happy with their service. BofA who?

They had a signup table at my job with a bunch of good offers — free photo card, 100 in your account after six months, etc. So I initially got one of their atm cards and then ordered a photo card, which I was charged for. It took months to come, in the meantime, my atm card lost it’s magnetic strip, and when I couldn’t find it one day I just decided to get a replacement card at a branch. So the photo card finally shows up. It is the same number as the old card. WHO DOES THAT. So I paid for it, when I wasn’t supposed to and I couldn’t use it. They told me I would have to pay for a new one because this wasn’t their fault. I said I was supposed to get it free in the first place, the woman on the phone said that was not their policy. I read to her from the forms I had initially received and Dee (if that is her real name) said that was not their policy. Worst customer service experience over $ 6.95 ever!

I have done banking with SDCCU for over 20 years. They are phenomenal. You couldn’t ask for better customer service. They are there when you need them, offer great loan rates and I feel safe having my money with them.
SDCCU! You rock!

SDCCU is a really good and reliable bank. If you are looking for a local bank where you can talk to a human being on the phone you have come to the right place. I opened y account with SDCCU a few years ago when i got a car loan. I have a few different banks that I use, but SDCCU is my go to when I need personal service from locals.
This location is really probably one of the friendliest one I have ever seen. They have a security guard at the front door and he opens the door for everyone. I don’t think he has to do this rather he chooses to do it.
Every time I have come here I have been given great quick service and I am able to get in and out.