San Diego County Credit Union (SDCCU) is a state-chartered credit union based in San Diego, California founded in 1938. Membership is open to individuals living or working in Southern California, as well as immediate family or household members of existing SDCCU members. SDCCU offers consumer and small business checking and savings accounts, commercial loans, commercial deposit accounts, certificates of deposit, individual retirement accounts, health savings accounts, credit cards, consumer loans, mortgages, and retirement, investment and insurance services.