San Diego County Laguna Niguel CA Credit Union | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to San Diego County, your trusted financial partner located at 27280 Alicia Pkwy Ste A, Laguna Niguel, CA 92677. Since our establishment in 1938, we have been dedicated to serving our members with a commitment to excellence and community support. With over 429,218 members and total assets exceeding $10 billion, we pride ourselves on offering personalized banking solutions that meet the unique needs of our community. At San Diego County, we understand the importance of fostering strong relationships with our members. Our team, led by CEO Teresa Campbell and Board President Shirley Jackson, is here to provide you with reliable financial services that range from checking and savings accounts to auto loans and business banking. We currently hold total deposits of $536,922,463 and maintain a net worth of $1,799,741,526, ensuring that your finances are safe and sound with us. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 27280 Alicia Pkwy Ste A, Laguna Niguel, CA 92677-3410. We invite you to explore our diverse offerings and experience the exceptional service that sets us apart. Whether you're looking for a new loan or simply want to enhance your savings strategy, we're here to help every step of the way. Don't hesitate to reach out at 877-732-2848 or visit us online at sdccu.com for more information. Join us in building a brighter financial future together!

Branch History & Mission

Community Impact

We take pride in being an active participant in community outreach efforts. By partnering with local organizations and sponsoring events that matter to our members, we strive to create a positive impact on the lives of those we serve. With operating hours from Monday to Friday between 9 AM and 5 PM, we invite you to stop by or give us a call at 877-732-2848 for any inquiries or assistance. Whether you're looking for personal banking solutions or wish to explore business opportunities with us, your journey begins here. Join us at San Diego County today and experience firsthand how we can help you achieve your financial dreams while being part of a supportive community!

Our Journey

Since its inception in 1938, San Diego County has evolved significantly while maintaining its core mission of providing accessible financial services to everyone in the community. From humble beginnings, we have expanded our offerings to include personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and even business banking solutions. Our total assets now stand at an impressive $10 billion, reflecting the trust and loyalty of our members. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to our mailing address: 27280 Alicia Pkwy Ste A, Laguna Niguel, CA 92677-3410. Our facility is equipped with modern amenities including ATM availability for easy cash access. However, please note that we do not currently offer drive-thru services.

Our Mission

At San Diego County, our mission extends beyond just providing financial products; we aim to enhance the lives of our members by fostering financial literacy and community well-being. We believe in empowering individuals with the tools they need to achieve their financial goals while supporting local initiatives and partnerships that uplift our neighborhoods. Our commitment to innovation ensures that we stay ahead of the curve. Members enjoy convenient digital services like online banking and mobile payments. We also prioritize accessibility by adhering to ADA compliance standards so everyone can benefit from our offerings.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

When you stop by, you'll find plenty of parking available right outside our doors. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who need them. Plus, we're close to popular spots like the Laguna Niguel Regional Park, making it simple to swing by before or after your outdoor adventures.

Operating Hours and Services

We are here for you Monday through Friday from 9 AM to 5 PM, ready to assist with a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is eager to help you achieve your financial goals. Don't forget about our ATM availability for quick cash withdrawals and balance checks!

Stay Connected

While members can visit us at 27280 Alicia Pkwy Ste A Laguna Niguel Ca 92677, official correspondence should be sent to 27280 Alicia Pkwy Ste A, Laguna Niguel, CA 92677-3410. If you have any questions or need assistance, feel free to call us at (877) 732-2848. We're here to help! Ready to experience the convenience and personalized service at San Diego County? We look forward to seeing you soon!

Member Eligibility

At San Diego County, we believe that becoming a member is more than just opening an account it's joining a community that truly cares about your financial well-being. If you're looking to become part of our family at San Diego County, the process is simple and welcoming. You're eligible to join if you live, work, or go to school in the areas we serve, or if you have a family member who's already a member. This means that whether you're in Laguna Niguel or nearby, we're here for you! Becoming a member comes with fantastic benefits like personalized service and competitive rates on loans and savings accounts. Ready to take the next step? You can find all the details about eligibility and how to open your account by visiting this link. If you have any questions, don't hesitate to reach out at (877) 732-2848 we're here to help make your journey with us as smooth as possible!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $174 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $451,471,180, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services make it easier for you to manage daily transactions. Whether you're a retail shop or a service provider, our payment solutions help streamline your operations, allowing you to focus on what you do best running your business. Visit us at 27280 Alicia Pkwy Ste A Laguna Niguel Ca 92677 in Laguna Niguel, CA, or give us a call at (877) 732-2848. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With our ATM access, withdrawing cash is quick and easy. You can visit any of our ATMs for balance checks or cash withdrawals at your convenience no need to worry about long lines or waiting periods. We invite you to explore all these services and more at Branch 39 Alicia Parkway, located at 27280 Alicia Pkwy Ste A Laguna Niguel Ca 92677 in beautiful Laguna Niguel, CA. If you have any questions or need assistance, don't hesitate to give us a call at (877) 732-2848. Your financial journey starts here let's take that next step together!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options come with competitive rates to help you get behind the wheel without breaking the bank. Whether it's a brand-new model or a reliable used vehicle, we've got solutions that make it easy for you to drive away happy.

Business Banking

For entrepreneurs and small business owners, we offer tailored business banking services including merchant services and business loans. We know how important it is to have reliable support as you grow your business, and our team is ready to assist with everything from managing cash flow to financing expansions.

Credit Cards with Rewards

Looking for a credit card that gives back? Our credit cards with rewards let you earn points on everyday purchases which can be redeemed for travel, merchandise, or cash back! It's not just about spending; it's about making your money work for you.

Mortgage Loans & Refinancing

For those ready to buy their first home or refinance an existing mortgage, our mortgage loans and refinancing services simplify the process. We understand that buying a home is one of the biggest investments you'll make. That's why our experienced team is here to guide you through each step, helping you secure a mortgage that aligns with your budget and future goals.

Personal Banking

Whether you're looking to open a new checking or savings account, our personal banking services are here for you. With options that cater to different lifestyles and saving goals, you can choose what fits best for your everyday needs. Imagine being able to manage your finances effortlessly through our online and mobile banking platforms. You can check balances, pay bills, and transfer funds right from your smartphone or computer convenience at its finest!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options provide flexible solutions to help you manage those costs effectively. Whether it's funding a special project or consolidating multiple debts into one manageable payment, we are here to help ease your financial stress.

Digital & Online Banking

Key Features

Our services include e-statements, which allow you to receive your account statements electronically. This not only saves paper but also makes it easier for you to keep track of your financial activities securely. Plus, with electronic signature authorization, signing documents is now a breeze no more waiting for the mail! Need to send money to a friend? Our person-to-person transfers feature makes sending cash quick and simple. You can also take advantage of our mobile payments option, allowing you to pay for purchases directly from your phone.

Mobile Application

Stay connected with our user-friendly mobile application. It gives you real-time access to your accounts right in your pocket! Whether you're on the go or relaxing at home, managing your finances has never been easier. At San Diego County, we prioritize both accessibility and ease-of-use in all our digital banking features. With robust security measures in place, you can feel confident that your information is safe while enjoying the flexibility of online banking. Join us today and experience how easy it is to manage your finances digitally!

Financial Strength

Growing Together

Total Share and Deposit Accounts stand at 1,011,075, showing a strong and growing member base that trusts us with their finances. Our Net Shares available for lending currently sit at $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, San Diego County is your trusted partner. Visit us at 27280 Alicia Pkwy Ste A Laguna Niguel Ca 92677 or call (877) 732-2848 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $1,839,518,388 in share certificates and $2,229,543,374 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 831 full-time employees and 26 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinventing for Your Benefit

With $1,772,319,859 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $36,604 in used auto loans and $5,561,449,660 in total loans and leases.

Solid Financial Health

With a net worth of $1,799,741,526, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,794 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $600,752,974 in used vehicle loans and $441,768,581 in new vehicle loans already helping members get on the road. We provide financing options tailored to your budget and preferences. Plus, refinancing options are available if you're looking to reduce your monthly payments or lower your interest rate.

Business Loans

For business owners, our outstanding commercial loans totaling $451,471,180 provide the capital needed to grow and expand your enterprise. We offer competitive rates and flexible repayment terms tailored for small businesses looking for financing solutions. At San Diego County, we pride ourselves on being part of our community's financial journey. Whether you're purchasing a vehicle, buying a home, managing expenses with credit cards, or seeking business funding, we're here to help. For more information or assistance with your application, feel free to reach out at (877) 732-2848, or visit us at 27280 Alicia Pkwy Ste A Laguna Niguel Ca 92677 in Laguna Niguel, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you as you navigate your financial path!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $233,860,187, make buying or refinancing simple. We guide you through every step of the process, ensuring you find a loan that fits your financial situation. Our team is ready to discuss eligibility options to help you secure the best terms possible.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $102,088,852 in loans helping members manage their finances effectively, our credit cards come with benefits that can assist you in building your credit score while enjoying rewards on your purchases.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This rigorous sourcing process ensures that all offers are fair and transparent, giving users peace of mind as they make important financial decisions.

SAN DIEGO COUNTY CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans