I had a great experience at SDCCU thanks to Sofia and Amber. I came in confused about a wire transfer that had been processed at another branch, where the receiving bank's account number was entered incorrectly. I wasn't sure why I needed to come back in, but Amber took the time to thoroughly investigate the issue. She quickly identified the mistake, contacted the other bank directly, and handled everything on her end to get it resolved. She even helped get the $25 fee removed, which I really appreciated. Sofia was equally helpful :) she was kind, patient, and made the whole process feel much less stressful. She made sure to print a confirmation for me with the full account number clearly shown, which gave me peace of mind. Both Sofia and Amber went above and beyond to fix an issue that wasn't even caused at their branch. Excellent customer service all around!! read more

We experienced some fraudulent charges on our SDCCU account and I went in to the Encinitas branch for assistance. I was very impressed with the help that I received from Claudia. She helped us set up a new account and she was extremely patient with making sure that every detail was exactly as required to ensure that the matter was not repeated. She invited us to come back the next day just to make sure that everything was correct. Claudia provided outstanding service and that is why we have been at this bank for over 25 years. read more

San Diego County Credit Union has good CD rates, friendly service and easy online banking with their App.

This star rating is for the changes made to the Bill Payer section on the SDCCU.com website. They have taken an easy to use bill payer and turned it into a confusing mess. As far as the customer service goes, I've always received excellent service at the Encinitas SDCCU branch. read more

Kimbee lied and presented herself as a manager and after getting called out because she had no idea what she was talking about, was extremely rude and unprofessional and lied about having management call me back. The management's always been fine there but the hoops you have to jump through to get anything done is ridiculous and their customer service has gone down the drain. read more

Banking with SDCCU is similar to banking in the 90's. Impossible to get customer service on phone. Mobile banking is very restrictive and they want you to go to local branch. Then you get to the local branch and get to wait in line..... with all the different banking options available I recommend going somewhere else read more

I've never had a bad experience here. I had only the lowest car rate I've ever seen at any bank or credit union, great customer service, fast lines, quick solutions. The only reason I opened up a secondary account at Bank of America, was because a small credit union is not able to fund a PPP loan and I needed that money during the pandemic. I understand people usually leave bad yelp reviews when they're only unhappy, and forget to leave great ones when they are pleased with service. Thank you for so many great years and great customer service at this location. Thank you thank you read more

Never do business with this company! I have been a customer since 2008! Recently I got scammed by online marketers for $83,000.00! I am currently legally fighting them to help me get my funds back! They have refused to help me! When I get all my money back! I will be banking with another company! read more

SDCCU no stars if I could beware low balance triggers unnecessary long holds on deposits which then cause stacking overdraft fees, Instead of declining transactions . A sure greedy method of kicking people while they're down. They don't have mobile deposit see their massive negative reviews for their faulty app they fail to fix for years. The poorly maintained ATM machines often fail to accept checks or even worse eat them without depositing your money. They do not care about customers. They do not have any phone service after 5 or on Sunday. Hard hit on your credit to join do yourself a favor and run from this institution. read more

San Diego County Credit Union - They care about customers even less than they maintain their machines. - Banks & Credit Unions Near Me - Encinitas, California

This is the absolute worst financial institution that I have ever dealt with. They reported my perfectly healthy (and closed) checking account to collections, which resulted in my credit score dropping from 818 to 735. The branch representative gave me forms to fill out and mail. Thank you very much. No one even apologized. This is the second time they screwed up my finances in a big way. The first one was a few years back when an attempt to deposit a check through their mobile app resulted in account overdraft and blockage. Not sure why it is believed to be "voted best credit union" somewhere, but from both technology and customer service perspective you should expect crap. Stay away, if you value your time. read more

This bank is geneally ok, but their rewards program is terrible. I racked up 50K miles, worth $500, and I applied to have it transferred to my account. They sent me a confirmation email which said I would have funds in 4-6 weeks. That was 8 weeks ago and still no money in my account. My inquiries got the run around with the branch saying the flymiles program is responsible, and the fm program blaming the branch. If I do not get funds by end of this week, I will switch to Mission Fed. Edward Greene read more

My wife and I went to the bank on Saturday, to open a checking for my kids college fund. We both had to be there, and it's difficult for me, because I travel a lot, but I can understand that. They now require a credit check for BOTH applicants. My credit score is above 850......My wife had her identity stolen in a bad way a few years back, and has a lock on her credit. Thus, we couldn't open an account. It's one thing, if we were asking the bank for any kind of money. I was actually trying to deposit $15k from another bank. It's beyond disappointing that SDCCU has this ludicrous policy. In fact, I'll probably close all of my accounts there. read more

I am updating my review of this specific branch, and the specifically staff member, from 3 years ago. I'm sorry to say, it is not an improvement. Due to a lousy credit score, we got a $1000 SECURED Credit Card, back in April of 2018. Since then, we have successfully improved our score, up to the 740 it is today. Yay for us, right? WRONG!! We went back to Jamie, at this branch, about a month ago. We wanted to make the credit card UNSECURED, after all our hard work. Jamie said " now's not a good time". We also had an old car loan, with a balance of $4500, and wanted to get a personal loan to pay it off. Jamie said that, because our score was so high, we "should shop around for a better rate than they could give us". Seriously?!! I am happy to report that we closed out the secured card at SDCCU, and got a $3,000 UNSECURED Capital One Platinum Card! We also got a $10,000 Debt Consolidation loan from a Credit Karma bank! We've paid off the old loan, and are doing . Do NOT go to this bank, and especially this branch or Jamie, for any serious financial improvement issues. Shop around!! read more

For simple banking and credit card transactions SDCCU is fine. The staff is always friendly and helpful. Why two stars? Their electronic banking system, which I quit using about a year ago after having continuing access problems, is unnecessarily complicated. I have just spent close to an hour unsuccessfully trying to reestablish it on line. This is exactly why I quit using it before.. First, you have to email them to get an access code by phone. When my caller ID said there was a call from "Sunnyvale, Ca." I almost didn't answer it. To the best of my knowledge, SDCCU doesn't have any branches there. Then, when I got an access code and tried to reset my user name and password, their system didn't recognize the access code they had just given me. I went through the procedure a second time with the same result. Luckily, I live fairly near a branch, so tomorrow when they open for COVID time, I'll go to the branch to see if they can set me up. They need to either change whomever they use for electronic banking or make it more user friendly. If not, they will be losing a long time customer shortly. While I'm not too computer savvy, I do have a number of other online accounts, and don't have this problem with any of the others. read more

I love banking at this particular branch in Encinitas. Everyone there is friendly, professional and willing to go the extra mile. Richard the manager is a fun manager who is also hands on and for what I see he cares for his employees and creates an environment of positive energy and camaraderie. Kristen Thornton is my connection to the bank and she is always willing to help out with any and every question I may have. Doing business with this bank is actually fun and very productive for my money and my peace of mind. read more

As a member who still goes into a bank for loans, deposits, etc..., Miriam Habis has been a blessing. She is currently the Asst. Manager of the bank, but with her skills, she should be promoted to be the Branch Manager.She is very detail oriented and offered so many suggestions to simplify my loan process. She is amazing in so many ways, I actually look forward to seeing her smiling face when I go into the bank. It is truly rare now a days to see someone who does their job so well, near perfection. Thank you Miriam as now because of you, I'm a customer for life. By the way you deserve 10 stars Best, Karen Schooler read more

I like the idea of doing business with a credit union , the customers own the bank and it's a win win scenario . The key to this bank is making an appointment to see your banker vs walking in and asking to see one . They really take their time to get to know your banking needs and financial goals . read more

SDCCU is a good credit union. I have an account that lets me get money orders and wire transfers so I can easily spend and send my money. They have a very small number of lock boxes and you can not get on a waiting list. If you visit frequently and ask about them you may be able to secure a coveted lock box. Good luck, it took me 8 years and I am not giving it up anytime soon. SDCCU has good banking plans with no monthly fee, in this economy it is about all that I can ask for. read more

The mobile app is the worst. Takes many attempts to deposit a check. Customer Support is non-existent. Why 2023 they can't offer a functioning app is beyond me. read more

Went to deposit checks this morning in the ATM. Looks like they have upgraded to the ones that scan the checks. It's pretty cool because your receipt has a copy if the check on it. In general SDCCU is a decent credit union. They suit my needs and I like that I'm supporting a local company. My biggest issue the pace in which they are evolving. They invested in the iPhone app. I can check balances and even pay bills with my phone. Yet I still can't deposit from my phone like many other banks can. PLEASE PLEASE PLEASE invest in the technology. I have two checks that I get that I have to deposit and they barely warrant the gas to drive and deposit them. read more

San Diego County Credit Union - Banks & Credit Unions Near Me - Encinitas, California

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I'm already a customer, but I just got an auto loan from them. The process was easy and efficient; they let me know everything I needed. The only negative is they seem to discourage buying cars older than four years, as well as private party. They do have this sort of loan, but you have to jump through some additional hoops to get and process them. Otherwise, the woman that helped me asked the right questions and got the loan processed in about half an hour. read more

Stay away. I don't know if I attribute this review to a branch or to just the credit union in general, but San Diego County Credit Union has some of the worst customer service that I have experienced. I recently obtained a home loan, a home equity line of credit, and an auto loan. Based on my experience trying to interact, I wish I could take my business elsewhere. The website appears set up to make it as difficult as possible to navigate. I have accounts with two banks and another credit union and the difference in ease of use is striking. I tried to call regarding a problem and couldn't get through. I exercised the option to get a call back and never got a call back. I explained my problem in a secure email and asked for a human to call me. I got what appears to be a canned response and it was clear that no one read my email. Problem still exists. Phenomenally bad. read more

Worst customer service. The furthest thing from personalized banking I've ever experienced.

This has been my bank for 20 years now. Good service and despite some issues such as the time that I was told that they offer notary services only to find out later that they only notarize their own documents, the fact their auto loan rates are good and no fees for a lot of things, make it a great place to bank read more

Literally always wait in lines and never have enough tellers. I go to Bank of America for work purposes and I never have to wait longer than a couple minutes! I always feel pure dread when I need to come into SDCCU bank. When I go into Bank of America I am always so happy when I leave.. read more

Having recently moved back to the United States after being raised abroad; I purchased my first car and had it refinanced with SDCCU at their Encinitas branch in August. Shortly thereafter I left to volunteer and visit my family abroad. Before Ieaving the country, I attempted to insert money from my primary bank (BOA) into my SDCCU account to ensure that the payments would be met during my absence. Unfortunately, this was on a Sunday and the SDCCU cash machine did not accept my deposit! This was strange, so I figured I would just transfer the money online as I have done so before with other companies. Upon leaving the country I attempted to make my car payment online but found that payments can only be made directly from my online SDCCU account. Odd. I sent my loan agent an email asking what to do and she responded via an encrypted email. Accordingly, I attempted to transfer the funds from my Bank of America account but the payment did not transfer into my SDCCU account after a few days which was frustrating. I emailed my original loan agent Marianne to re-clarify on other ways that a payment could be made. I waited for her to respond an entire week and emailed her again to follow up. I never received a response. This was frustrating as a reply would literally taken a MINUTE of her time. She did not strike me as an empathetic or warm person when I met her and this was confirmed by her continuously ignoring me. While I awaited instruction my Father called me to let me know that SDCCU sent a letter inquiring about the late payment. I promptly wired him the funds to cover both payments. Once he received the money he called the contact account manager, 'Linn', and left a voicemail inquiring how he could make a payment. He did not receive a response and shortly after he awoke to find that my car had been towed; leaving heavy tire marks in the steep driveway. He called the account manager Linn who gave him a rude response that 'he didn't have to talk to him' and 'he could hang up right now'. This nasty attitude was frustrating. All it would have taken was a simple call from the man. One call could have informed my Father of the situation, enabling him to pay the money I transferred and stop my car from getting towed. But instead the credit union promptly towed the car without any communication or response. I called every contact possible at SDCCU. Marianne still did not respond to calls, email or voicemail. I was told that my Father couldn't talk to them OR collect the car. They didn't even call him back to inform him of this. I still had a week out of country which meant that I had to pay an additional $35 per day in holding fees. This stressful situation and hurt me financially long and short term. I've been hammered by the $1000 worth of repo fees - money meant to be my cushion upon my return to the United States. My particularly high interest rate and this negative credit as a result will make it harder to refinance the car and achieve a manageable rate. At no point was I complacent and I proactively attempted to make my payments which would not transfer online. This felt like legal extortion - all because I couldn't transfer the money which I was trying to pay the entire time. This review does not reflect on the professionalism of the bank tellers and manager at the Encinitas branch who had nothing to do with the situation. My negative rating is based on a bad experience with specific staff members, the collections department, and senior management. read more

I have never been so rudely treated in my life. When I first began banking with this bank I thought I died and went to heaven, everyone was so nice. However, when my husband made a cash deposit into their ATM, the machine took the money and did not put it into his account. He immediately ran into the bank and talked to customer service and the lady told him not to worry, once the money was counted he would be notified. Well, it's been 4 days, we are worried sick (it was a large amount of cash) and the manager told my husband that they "legally" have 7 to 10 business days to give us back our money. Since the tenth day lands on a Holiday she said they can take eleven days. I feel robbed by this bank. They are a great bank, but if THEY make a mistake YOU pay for it. End of story. They assert their rights, give you the run around, and could care LESS about the well being of their customers. I am appalled by our treatment. Simply appalled. Update: It did end up taking 11 days to get our money back. Wow, imagine 11 days of not knowing if you will ever see your money. Not cool. If I wasn't moving during this time I would have filed a formal complaint against the Encinitas branch manager. She was not at all someone I would ever want to see again. read more

This credit union is awful. They are the most unprofessional bank I have ever banked with. I paid my car loan off 30 days ago and although they are required to release the title within 10 days, at day 30 they still had not released it, which I believe in the state of California is illegal. During COVID there were multiple times when I was on hold for 45 minutes, trying to talk with someone about my finances. They don't call back and if you are on hold for a long time they will just disconnect the phone. Their call back number shows as SPAM even if you have their phone number in your phone, it's all just incredibly unprofessional and I found them very difficult to work with. read more

My husband I desperately want to get away from B of A and open a new joint account together rather than just combining our assets at BA. I had tried applying online but after the 18 pages of questions had gotten an error message and nothing else came of it. Not checking their hours we cruised over on Monday to arrive at 4:59 only to see that they close at 5p. Figured we were there so we popped in anyways expecting to be turned away. To our delight they took us in and took care of us. Not only was everyone very nice (and didn't rush the process) but we left with our new account and new debit/credit cards IN HAND. How cool is that? As soon as the checks arrive we'll be off and running. It's great that they don't charge all of the damn fees that BA keeps endlessly tacking on and increasing - I cannot wait to go and close that account. I also signed up for the whole 'take a picture of your checks to deposit them" thing yesterday and voila - easy, quick, fun and hey look, there's the money in my account. I'm so relieved to have moved to a smaller and local credit union where perhaps I can actually take advantage of their credit card and car loans if needed. read more

I've been with SDCCU since 1996? Over 10 years at least?? Wow. The Encinitas branch is a team. Where I go, you can see it. Unless I'm a doofus, I've seen them have fun and provide costumer service. It's kinda like my work; I don't feel like I'm going to work - but going to see my friends. Crazy, but true. The other thing is that sometimes you see turnover. There's different tellers over a short period of time. I've seen consistently - more or less - the same tellers and the same gal that works the front desk. That said, there's something to be said about continuity. I've had requests of the bank staff and they've responded quickly and effectively. Maybe it's because I've been a long time member, who knows, but i have no complaints, only praise. read more

Extremely poor customer service at the Encinitas branch. If you do your banking at this credit union, please know, that the products such as Mobile Banking and ATMS don't function properly all the time.. and at the Encinitas branch they are often closed down... don't depend on those products to help you with your financial transactions. Please also know that when you are voicing your concerns to a manager you will need to show up with detailed paperwork to prove that anything you are having difficulties with matters..your proof will need to include all time, dates and whereabouts of incidents..... You cannot show up there and expect to be treated like a valid customer with concernrs if you don't have documentation.... Your business concerns only matters if you can prove them in detail... Customer relations would not be a problem if SDCCU were not dealing with people...but as a entity that works closely with humans and their finances...It seems the management should be trained to be polite, and take seriously, every person who trusts their finances with the credit union. I want to make a note that my experience with the tellers has been great...It is the management that are either trained poorly ... or who not paid enough to care about providing customer service that makes a client feel like they matter. I left that credit union two times feeling truly horrible about interactions I have had with the managers. The last time I was there I was told by the bank manager emphatically.. that SDCCU prides themselves on customer service... this begs the question If that is the case... I should not leave that branch feeling terrible. This is my experience. I hope your choice to bank at SDCCU does not include poor customer service, and their promotion of products that do not operate as advertised... I am more than happy to respond to any comments and also to provide more details regarding the managers in question... However, I will not post a person's name on a website because I feel it is sour grapes and poor business...that said,. it is easy to find out who the managers are at thie Encinitas branch. If you open an account there, I would suggest shaking hands with that manager and making sure your business is considered valueble, and that any concerns you would like to voice matter.. and are taken seriously...... and that your business deserves respect. read more

Worst customer service I've ever experienced. Lori, the "bank manager" is a disgustingly rude and uncaring person. Was told outright lies and told that my problem is my own fault and they wouldnt help me in any way. Avoid this place like the plague read more

Last week in the Encinitas branch I was helped by Ryan Householder. Ryan was not only professional and competent, he was also extremely helpful and understanding. He explored a number of different options that could best fit my needs and ended up finding a solution that worked. I'd like to commend him as a really great representative of the bank! Elaine :) read more

I had always been told that a credit union was the best way to bank because they were local and cared more about their clients than the big national banks. I'm writing this review for anybody out there that has heard the same thing but has not made the switch. It's true. My wife and I recently closed our accounts at Chase and Union Bank of CA and switched 100% to SDCCU and we couldn't be happier we did it. We met with Theree at the Encinitas branch and the experience was unbelievable and she continues to be very helpful and kind. She treated us like family and it was obvious that SDCCU empowers their employees to care for clients. There is a clear culture of kindness and professionalism. A welcomed change after feeling like a number at the big national banks. Thanks to SDCCU for welcoming us to the family and treating us so well. read more

I recently visited the local SDCCU Encinitas with my mother to help her set up an account under her newly created Trust. There was much more involved than anticipated and while neither of us has ever filled out a review we were driven to do so by the service we received from Jamie Tully a Financial Service Representative. The time she took to make sure my mother understood everything, her patience, politeness and courtesy was commendable. We did not have an appointment. We were welcomed as walk-ins. Jamie and SDCCU provided everything we needed and more. It was a pleasure doing business with Jamie & SDCCU!!!! read more

I love SDCCU in general, but this branch is my favorite by far. Short lines, fast service, & a friendly staff are why I drive past two other branches to do the majority of my banking here. Just today, I was in and out in under 10 minutes when I needed to: make a deposit, get two cashier's checks, open an additional account and get temporary checks printed for the new account....all while getting world class service from Janai K, my teller. Oh, and that time included my wait time. read more

so glad I switched during the Occupy Wall Street movement! SDCCU is so much better than Chase. The staff is friendly and the ATM dispenses any denomination of bills that you'd like! Bonus points for the mobile deposit app, it actually WORKS! (Chase's never did for me) read more

Needed to open a new account and Rebekah Dominguez and Nicole Cobian were professional, personable and FAST! Thank you, SDCCU for employing highly competent and friendly staff - including the amazing tellers too! read more

I have been a good customer in perfect standing and wanted a small auto loan in which I would cosign for my youngest 18 year old son. I wanted him to be able to go through the process to learn something about buying a car and all that goes with it. SDCCU denied our request for a loan ($6250) because the perfectly maintained 2006 Prius we bought was not a 2007 or better. I own my own home (80% paid off), have a high credit score and have plenty of collateral. What got me was that the agent said - "We don't care about your good standing with SDCCU we just care about the car". Also, I had with me proof of my credit score that I got the same day through Experian. They wouldn't accept it and they ran another credit check and just by doing so told me that looking it up would hurt my credit (how insane). I had the proof with me. A great example of how the customer is not first and that much of big business lies when it tries to be your friend with ads that emphasize family, community, "we're your neighbors", etc..... SDCCU is a cold outfit that has threatened me a few times (with penalties) on past loans because my auto insurance company hadn't sent them proof of insurance while we were still in the grace period. Perhaps my son did have a good learning experience. He now knows that SDCCU is a bad place to do business. Many years ago you guys used to friendly and reasonable. Not now. We were able to get our loan somewhere else. read more

Beware - These people never answer their phones , they hardly answer their email and when they do , they don't answers what is being asked . Their whole approach is "come into the branch" .... when you get there they are off hand and not helpful ...... they should be voted the worst Credit union in San Diego . read more