I vote SDCCU because they have a branch in most every town in the county, including a few in my hood. The ease and terms (same rate) of their subordinated tax reward auto loan is reason enough, always deduct your car payments.
I don’t know much about their loan portfolio but I’ve shopped them in the past for home related loans and they are never a good deal. Their 30 yr fixed right now is 6 3/4.
I also read their 2007 report and from my understanding they have 3 billion in loans, it doesn’t say home loans, just loans. I’ve never met anyone with their home loan through SDCCU but know plenty with car loans and credit cards through them. My guess is most of their loans are not mortgages. The other element to their stability in volatile times is a large number of their members are governemnt employees who have fairly stable jobs and income.
