SDDFCU (State Employees’ Credit Union) is a federally chartered credit union that serves state employees and their family members. As the largest credit union in North Carolina, SDDFCU offers a wide range of personal and business banking services. From online banking to loan products and even insurance, SDDFCU has it all. Before joining this credit union, however, you should understand its benefits and services offered. In this blog post, we will discuss everything you need to know about SDDFCU so that you can make an informed decision about your financial future.

What is SDDFCU?

The San Diego County Federal Credit Union is a not-for-profit, cooperative financial institution owned and operated by its members. SDDFCU was founded in 1938 by a group of San Diego County residents who pooled their resources to help each other achieve financial success.

Today, SDDFCU serves over 100,000 members and has assets of nearly $1.4 billion. Members enjoy many benefits and services, including competitive rates on loans and deposits, free online and mobile banking, and much more.

SDDFCU is committed to helping members achieve their financial goals and improve their financial well-being. The credit union offers educational resources on topics such as budgeting, credit scores, identity theft protection, and more. Members can also take advantage of free one-on-one financial counseling from certified counselors.

What are the benefits of SDDFCU?

The San Diego County Credit Union offers many benefits to its members. Here are some of the most popular benefits:

1. Competitive Interest Rates: Members of SDDFCU can take advantage of competitive interest rates on their savings accounts and loans.

2. Free Checking Accounts: Members can enjoy free checking accounts with no monthly service fees or minimum balance requirements.

3. ATM Fee Reimbursements: Members can get up to $10 per month in ATM fee reimbursements.

4. Mobile Banking: Members can access their account information and conduct transactions using SDDFCU’s mobile banking app.

5. Online Banking: Members can access their account information and conduct transactions using SDDFCU’s online banking portal.

6. Direct Deposit: Members can have their paycheck or other regular deposits directly deposited into their SDDFCU account.

7. Bill Pay: Members can use SDDFCU’s online bill pay service to pay their bills electronically.

What services does SDDFCU offer?

SDDFCU offers a wide range of financial services to its members, including checking and savings accounts, loans, credit cards, and investment services.

Checking and savings accounts: Members can choose from a variety of checking and savings account options, including free checking, interest-bearing checking, money market accounts, and certificates of deposit (CDs).

Loans: SSDFCU offers a variety of loan products, including auto loans, home equity loans, personal loans, and student loans.

Credit cards: Members can choose from a variety of credit card options, including Visa®, Mastercard®, American Express®, and Discover®.

Investment services: SSDFCU offers investment services through its subsidiary, SDDFCU Investment Services. Services include investment planning, retirement planning, stock trading, and more.

How to join SDDFCU?

In order to join San Diego County Credit Union, you must first open a primary savings account with a minimum deposit of $25.00. After your account is established, you can then apply for membership by completing and submitting a credit union membership application. Once your application has been processed and approved, you will be issued a SDDFCU ATM/Debit Card which gives you access to all of the credit union’s products and services.


In conclusion, SDDFCU has a lot to offer its members. From the great loan and investment options to the low fees and excellent customer service, this credit union is an excellent choice for anyone looking for financial services. With all these great benefits and services offered, it’s easy to see why so many people are turning to SDDFCU as their preferred financial institution. Whether you need help getting started with banking or simply want more information about what they have to offer, be sure to contact your local branch today!

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