member experience

Used Vehicle

APR low

New Vehicle

APR low

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Credit Card

APR low

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Home Equity

APR low

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APY up to

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Personal Loans

APR low

Review Your FREE Credit Report

Do you know what your credit score is? Through our partnership with SavvyMoney, a portal found within Online Banking, you can view your credit score in a matter of minutes.

  • FREE for members
  • Based on your credit score, find out how much you can save by refinancing
  • Highlights SDFCU products that will save you money
  • Read articles and view videos for tips about improving your credit score
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Foreign Service Officer exclusives

As a Foreign Service Officer heading overseas, we know that you have special needs. We have you covered .


Superior home buying services

When it comes to purchasing a home, we know you may have many questions. We have the services and resources to help you open the doors to the house of your dreams.


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Access to virtual banking

As your financial partner, we want to make sure that your banking experience remains stress-free by offering you a variety of ways to manage your accounts with out setting foot in a branch.


People when you need them

We know that you may have banking needs that require a human touch. We offer a variety of ways to connect with a member of our team.

  • Access to over 6,400 credit unions through our CO-OP shared branch network
  • 24-hour Member Service Call Center and Rate Line


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Member Emeritus Program

This premiere package of financial services is made exclusively for retirees. To qualify, a member must have direct deposit of retirement benefits or maintain a balance of $2,500 in their SDFCU Savings Account.

  • Receive FREE SDFCU checks
  • The cost of domestic wire transfers is only $6.00
  • Get FREE money orders
  • Purchase FREE travelers cheques

For more information or to join this program, please contact one of our Member Service Representatives at email or by calling 703.706.5000 or 800.296.8882.

Little to no fees

As a credit union, we don’t want to fee you. But, when we do, you will find our fees lower than any other financial institution in the industry.


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Security where it matters

Securing your financial well-being is what we do best. For years we have been providing our members with 24-hour account monitoring to protect against fraud and identity theft. Your accounts are always safe with us.

  • Monitor your accounts with Alerts
  • 24-hour account monitoring by a team of professionals
  • Industry leading online Security Center


Superior services for travelers

Banking overseas is more than just putting your card in an ATM or a store kiosk to make a purchase. When you travel, we have you covered.

  • FREE Travelers Cheques
  • Affordable Wire services
  • Our EMV Debit Card includes $100,000 Travel Accident Insurance and $300 Delayed Baggage Claim Benefits at no extra charge
  • Debit card Travel Notifications
  • Get ready for your next trip by reviewing the tips found in our online Travel Center


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Superior real estate services

Search for your dream home, sell your home, find a Real Estate Agent and receive a cash rebate through our HomeAdvantage Program.

*Cash Rewards are awarded through the HomeAdvantage program to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Cash Rewards amounts are dependent on the commissions paid to the HomeAdvantage network agent. Obtaining a mortgage or use of any specific lending institution is not a requirement to earn Cash Rewards. If you are obtaining a mortgage, your lender may have specific rules on how Cash Rewards can be paid out. Cash Rewards are available in most states; however, are void where prohibited by law or by the lender. Please consult with your lender for details that may affect you.

  • Receive a valuable rebate on your home sale or home purchase when an approved agent is used
  • Choose from pre-approved agents from nationally recognized brokers
  • In many states, access the MLS listings – the same database of home listings the real estate agents use
  • Approximate a home’s value or view recently sold homes
  • View demographics, school districts through location maps


Joint ownership for non-members

We offer joint accounts to non-members. Joint account owners agree to share all account funds and have full access to monies on deposit.

  • Accounts may be held with or without rights of survivorship
  • Joint ownership doesn’t constitute credit union membership, whenever possible you should visit our How do I join section of the website and find out how your joint owner is eligible for membership, so they can enjoy full credit union benefits


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Earn rewards

Enjoy the benefits of earning rewards when you use your debit or credit card.

Cash Rewards

  • With the  Premium Cash Back+ credit card, you earn 2% cash back on all qualifying purchases.
  • Earn additional cash back offers when you shop at participating retailers through the online Cash Back Mall. 

Flexpoints Rewards

  • As a Visa Platinum cardholder, you are automatically enrolled in this program.
  • Earn one Flexpoint for every dollar you spend with your card.
  • Redeem Flexpoints towards all kinds of rewards including gift cards, merchandise, travel and more.

Purchase Rewards

  • As a debit cardholder, you are automatically enrolled to receive cash back offers through Purchase Rewards.
  • Sign into your account through Online Banking or the SDFCU Mobile App to view and activate offers. Then shop at participating retailers using your debit card.
  • The cash rewards earned will be deposited directly into your checking account.