Used Vehicle

APR low
2.49%

New Vehicle

APR low
1.24%

Credit Card

APR low
7.24%

Home Equity

APR low
4.14%

Mortgage

APR low
2.75%

Certificate

APY up to
2.12%

Checking Account Types:

Compare Accounts
Features Basic Advantage Privilege
Minimum balance $0 $2,000 $25,000
Free Bill Pay1 checkbox checkbox checkbox
Free eStatements checkbox checkbox checkbox
Free Telephone Banking (Account 24) checkbox checkbox checkbox
Unlimited check writing checkbox checkbox checkbox
Overdraft protection checkbox checkbox checkbox
Earn Flexpoints checkbox checkbox checkbox
Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network.2 checkbox checkbox checkbox
Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee.) checkbox checkbox checkbox
Direct deposit checkbox checkbox checkbox
No monthly service fees checkbox checkbox checkbox
Free SDFCU Checks checkbox checkbox
Earn interest (dividends) checkbox checkbox
Debit card transaction fee reimbursements3 checkbox checkbox
Free checks design of your choice checkbox
Free Official Checks (Treasurers Checks) checkbox
Receive up to $25.00 ATM/ISA fee reimbursements checkbox
Free Money Orders checkbox

1 Must pay minimum of one bill within two calendar months; otherwise there is a $5.00 monthly fee.

2At CO-OP Network ATMs, the fee for non-SDFCU ATMs is waived.


basic checking icon Basic

advantage checking icon Advantage

What are the details?

What are the details?

  • FREE Visa Debit Card
  • Unlimited check writing
  • Overdraft Protection
  • Earn Flexpoints
  • FREE SDFCU checks
  • Earn dividends with this account
  • Receive up to $15.00 ATM/ISA fee reimbursements
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).

What are the rules?

  • No minimum balance required
  • No dividends are earned
  • Overdraft Protection will be activated for authorizations on your VISA Debit Card If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D

What are the rules?

  • Minimum balance of $2,000
  • $15.00 in ATM/ISA fees refunded monthly To be eligible, you must maintain a minimum balance of $2,000 for the entire month, there are ten debit card transactions, $200 minimum monthly direct deposit and you are signed up for Online Banking and eStatements. Fees will not be reimbursed unless all criteria are met.

  • Dividends earned
    • $2,000 minimum checking account balance
    • Personal accounts only (No organizational accounts)
    • Dividends calculated daily
    • Minimum of $200 direct deposit monthly into member account (savings or checking)
    • Ten debit card transactions per month
    • Signed up for SDFCU online and eStatements
  • Overdraft Protection will be activated for authorizations on your VISA Debit Card If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D

Apply Now
Apply Now

privilege checking icon Privilege

What are the details?

  • FREE Visa Debit Card
  • Unlimited check writing
  • Overdraft Protection
  • Earn Flexpoints
  • FREE SDFCU checks
  • FREE check design of your choice
  • Earn higher dividends
  • Receive up to $25.00 in ATM/ISA fee reimbursements
  • FREE Money Orders
  • FREE Official Checks (Treasurer’s Checks)
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).

What are the rules?

  • Maintain a $25,000 minimum balance
  • $25.00 in ATM/ISA fees refunded monthly To be eligible, you must maintain a minimum balance of $25,000 for the entire month, there are ten debit card transactions, $200 minimum monthly direct deposit and you are signed up for Online Banking and eStatements. Fees will not be reimbursed unless all criteria are met.

  • Dividends earned
    • $25,000 minimum checking account balance
    • Personal accounts only (No organizational accounts)
    • Dividends calculated daily
    • Minimum of $200 direct deposit monthly (must be direct from ACH) into member account (savings or checking)
    • Signed up for SDFCU online and eStatements
  • Overdraft Protection will be activated for authorizations on your VISA Debit Card If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D

Apply Now

Youth Checking Account Types:

Compare Youth Accounts
Features Minor Custodian
Free Visa Debit Card checkbox checkbox
Account opened for a member under 18 years of age checkbox
Account opened by an adult for the benefit of a minor checkbox
Minor has control over his or her money checkbox
Adult maintains control over account checkbox
Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network1 checkbox checkbox
Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee.) checkbox checkbox
Direct deposit checkbox checkbox
No fees checkbox
Dividends are paid monthly and earned from the day of deposit to the day of withdrawal checkbox

custodian savings icon Custodian

minor checking icon Minor

What are the details?

  • Checking Account opened by an adult for the benefit a minor
  • Great option to begin teaching a minor responsible spending habits, while maintaining control over the account
  • Free Visa Debit Card
  • No fees
  • Dividends are paid monthly and earned from the day of deposit to the day of withdrawal
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).

What are the details?

  • Checking Account opened for a member under 18 years of age
  • Minor has control over his/her money
  • FREE Visa Debit Card
  • Unlimited check writing
  • Overdraft Protection
  • Earn Flexpoints
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).

What are the rules?

  • A minimum deposit of $1 is required to open (we will pay it for you)
  • Account must be established by an adult (someone over 18 years of age) for the benefit of a minor
  • The custodian doesn’t need to be a member. However, the minor does have to be a member
  • Custodian can turn over access to the account to the minor at the age of 18 or 21
  • Overdraft Protection will be activated for authorizations on your VISA Debit Card If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D

What are the rules?

  • As long as the minor can sign their own name, they can open a Minor Account
  • Opening an account requires the signature of someone over 18
  • No minimum balance required
  • No dividends are earned
  • Overdraft Protection will be activated for authorizations on your VISA Debit Card If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D

Apply Now
Apply Now

Our Visa Prepaid Card

Visa Prepaid Card

credit card image

What are the details?

  • Secure chip-enabled technology
  • Card is reloadable
  • Safer than carrying cash
  • Provides easy access to cash
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
  • Order up to four secondary cards for family members or companions

What are the rules?

  • No income verification or credit check required
  • One-time $10.00 fee to obtain a prepaid card and an additional shipping fee as disclosed when ordering online
  • Reload up to $7,500 an unlimited number of times for the life of the card
  • Maximum of four loads with a combined total of $7,500 per seven day period
  • Card will have your name printed on it
  • Must be a member to set up a prepaid card. However, additional sub-accounts can be held by non-members
  • Prepaid cards must initially be set up using an SDFCU debit or credit card. After, the initial load, ACH and direct deposits can be set up. However, an SDFCU debit or credit card must be used to re-load the card

Apply Now

Our VISA Debit Card

Visa Debit Card

credit card image

What are the details?

What are the rules?

  • If a new checking account is opened and their currently isn’t a debt card on file a new debit card will be issued
  • Overdraft Protection will be activated for authorizations on your VISA Debit Card If there are not enough funds in your checking account at the time the transaction is authorized, a hold will be placed on your overdraft accounts to cover the charge. If funds are still not available when the transaction posts, overdraft protection will be activated. Overdraft transfers from Regular Shares and Money Management Share Accounts are limited to six per month, as required by Federal Regulation D

Apply Now

Why Choose Us?

check

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 without 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

 

call center lady

family holding balloons

Earn rewards

As a member, you are immediately enrolled in our rewards' programs and begin earning points when you choose to use your debit or credit card to make purchases.

Earn Flexpoints:

  • Earn one Flexpoint for every dollar you spend with your credit card
  • Earn one Flexpoint for every two dollars you spend with your debit card
  • Earn five Flexpoints by paying a bill through Bill Pay
  • Purchase Rewards Shop online with participating retailers using your Visa Debit Card and get cash back rewards deposited directly into your checking account at the end of each month. As a member, there is no limit to the rewards you can earn.

 

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.

 

fees icon

security icon

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 Checks
  • Affordable Wire services
  • Our Visa Debit Card includes $100,000 Travel Accident Insurance and $300 Delayed Baggage Claim Benefits at no extra charge
  • Debit card Travel Notifications

 

a couple with travel gear

dollar people holding hands in a circle

We are a credit union

As a credit union, we focus on helping members save and borrow and receive affordable financial services.

  • Member-owned
  • Not-for-profit
  • Federally insured by the National Credit Union Administration (NCUA)
  • Higher savings rates
  • Lower loan rates

 

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