A member-owned credit union, San Diego County Credit Union offers a variety of banking services for individuals and businesses, including personal checking and savings accounts and certificates of deposit (CDs), as reported by WalletHub. This credit union offers a free checking account to personal banking customers and also has mobile and online banking services in addition to offering in-person service in more than 30 branch locations located in Orange, San Diego and Riverside counties in Southern California. San Diego County Credit Union also offers credit cards in addition to lending and investment services.
Lending services offered by San Diego County Credit Union include low-rate home, auto and personal loans. The bank issues Visa credit cards in addition to gift cards and reloadable prepaid cards.
San Diego County Credit Union members can make withdrawals at the credit union's physical locations. Members also have access to a nationwide network of surcharge-free ATMs. There are more than 30,000 ATMs in this co-op network, notes the San Diego County Credit Union.
Members of the San Diego County Credit Union have the right to make certain operational decisions about the bank because members are considered owner-operators instead of just customers. The credit union notes that because it is not a publicly held entity, it does not pay dividends from earnings and therefore uses that savings to offer lower rates and higher yields to members.