Looking to join a Credit Union in SD

[look_ma_no_job]

Howdy gang,

Looking to switch from a retail bank (one of the big losers in the last bank standing liars poker game of 2008) to a local SD credit union. Years ago, when I lived in the Northeast, I was a long time CU member. I liked the service and the concept, and I didn’t (and still don’t) have much need for high density branch or ATM coverage. I do like the ability to bank online, free checking, minimal fees, low interest rates and the occasional free pony ride. I have a small consulting business so being able to move the banking for that over as well is a very big plus.

On paper everywhere is probably more or less equal for my purposes, so it really comes down to service and the “little things” that don’t make it into the media kit.

Anyone have some good experiences? Places to avoid outright? I’ve been considering North Island, Navy Federal, Cal Coast, San Diego County, and Mission.

So far I’ve heard good noises about SD County and Cal Coast but I’m still casting the net.

TX

[XBoxBoy]

I’ve used San Diego County Credit Union some and have been happy with their service.

[XBoxBoy]

I’ve used San Diego County Credit Union some and have been happy with their service.

[XBoxBoy]

I’ve used San Diego County Credit Union some and have been happy with their service.

[XBoxBoy]

I’ve used San Diego County Credit Union some and have been happy with their service.

[XBoxBoy]

I’ve used San Diego County Credit Union some and have been happy with their service.

[Sandi Egan]

[quote=XBoxBoy]I’ve used San Diego County Credit Union some and have been happy with their service.[/quote]
Same here. Joined them in 2000 and couldn’t be happier.
The only minor gripe: you can open a certificate online, but when it’s about to mature your must go to the office to cancel automatic renewal.
Other than that all services are top notch.

[Sandi Egan]

[quote=XBoxBoy]I’ve used San Diego County Credit Union some and have been happy with their service.[/quote]
Same here. Joined them in 2000 and couldn’t be happier.
The only minor gripe: you can open a certificate online, but when it’s about to mature your must go to the office to cancel automatic renewal.
Other than that all services are top notch.

[Sandi Egan]

[quote=XBoxBoy]I’ve used San Diego County Credit Union some and have been happy with their service.[/quote]
Same here. Joined them in 2000 and couldn’t be happier.
The only minor gripe: you can open a certificate online, but when it’s about to mature your must go to the office to cancel automatic renewal.
Other than that all services are top notch.

[Sandi Egan]

[quote=XBoxBoy]I’ve used San Diego County Credit Union some and have been happy with their service.[/quote]
Same here. Joined them in 2000 and couldn’t be happier.
The only minor gripe: you can open a certificate online, but when it’s about to mature your must go to the office to cancel automatic renewal.
Other than that all services are top notch.

[Sandi Egan]

[quote=XBoxBoy]I’ve used San Diego County Credit Union some and have been happy with their service.[/quote]
Same here. Joined them in 2000 and couldn’t be happier.
The only minor gripe: you can open a certificate online, but when it’s about to mature your must go to the office to cancel automatic renewal.
Other than that all services are top notch.

[temeculaguy]

Another vote for sdccu. Here is an example of one of the “little things.” A long time ago I was in a branch to get a car loan, the loan lady was nice and just before we start looking at options like term, biweekly or monthly payments, rates, etc. and she mentions the tax reward auto loan. She spends ten minutes explaining it, I jump on it and she offers to convert my other car loan to a tax reward loan without refinancing or resetting anything about the loan. I have deducted the interest on my car loans for the last decade, wouldn’t do it any other way. They make no extra money on the loan (there is $50 one time fee to drop a subordinated lien against your house so you can deduct the car as if it were a second on the house). I ended up refinancing the house at one point and they subordinated the loan without any effort on my part and without any cost, just like they said they would. The little secret is that car is still the collateral, in theory they can come after your house if you don’t pay your car loan but they only go after the car in practice. Then again if you have cars repo’d often, go somewhere else, it may hurt my collective membership.

Other credit union and bank members to this day get car loans and I when I ask them if they got a tax reward loan, they either were never offered one or their bank doesn’t have them.

If you have sdccu and weren’t offered a tax reward auto loan, just ask for one.

[temeculaguy]

Another vote for sdccu. Here is an example of one of the “little things.” A long time ago I was in a branch to get a car loan, the loan lady was nice and just before we start looking at options like term, biweekly or monthly payments, rates, etc. and she mentions the tax reward auto loan. She spends ten minutes explaining it, I jump on it and she offers to convert my other car loan to a tax reward loan without refinancing or resetting anything about the loan. I have deducted the interest on my car loans for the last decade, wouldn’t do it any other way. They make no extra money on the loan (there is $50 one time fee to drop a subordinated lien against your house so you can deduct the car as if it were a second on the house). I ended up refinancing the house at one point and they subordinated the loan without any effort on my part and without any cost, just like they said they would. The little secret is that car is still the collateral, in theory they can come after your house if you don’t pay your car loan but they only go after the car in practice. Then again if you have cars repo’d often, go somewhere else, it may hurt my collective membership.

Other credit union and bank members to this day get car loans and I when I ask them if they got a tax reward loan, they either were never offered one or their bank doesn’t have them.

If you have sdccu and weren’t offered a tax reward auto loan, just ask for one.

[temeculaguy]

Another vote for sdccu. Here is an example of one of the “little things.” A long time ago I was in a branch to get a car loan, the loan lady was nice and just before we start looking at options like term, biweekly or monthly payments, rates, etc. and she mentions the tax reward auto loan. She spends ten minutes explaining it, I jump on it and she offers to convert my other car loan to a tax reward loan without refinancing or resetting anything about the loan. I have deducted the interest on my car loans for the last decade, wouldn’t do it any other way. They make no extra money on the loan (there is $50 one time fee to drop a subordinated lien against your house so you can deduct the car as if it were a second on the house). I ended up refinancing the house at one point and they subordinated the loan without any effort on my part and without any cost, just like they said they would. The little secret is that car is still the collateral, in theory they can come after your house if you don’t pay your car loan but they only go after the car in practice. Then again if you have cars repo’d often, go somewhere else, it may hurt my collective membership.

Other credit union and bank members to this day get car loans and I when I ask them if they got a tax reward loan, they either were never offered one or their bank doesn’t have them.

If you have sdccu and weren’t offered a tax reward auto loan, just ask for one.

[temeculaguy]

Another vote for sdccu. Here is an example of one of the “little things.” A long time ago I was in a branch to get a car loan, the loan lady was nice and just before we start looking at options like term, biweekly or monthly payments, rates, etc. and she mentions the tax reward auto loan. She spends ten minutes explaining it, I jump on it and she offers to convert my other car loan to a tax reward loan without refinancing or resetting anything about the loan. I have deducted the interest on my car loans for the last decade, wouldn’t do it any other way. They make no extra money on the loan (there is $50 one time fee to drop a subordinated lien against your house so you can deduct the car as if it were a second on the house). I ended up refinancing the house at one point and they subordinated the loan without any effort on my part and without any cost, just like they said they would. The little secret is that car is still the collateral, in theory they can come after your house if you don’t pay your car loan but they only go after the car in practice. Then again if you have cars repo’d often, go somewhere else, it may hurt my collective membership.

Other credit union and bank members to this day get car loans and I when I ask them if they got a tax reward loan, they either were never offered one or their bank doesn’t have them.

If you have sdccu and weren’t offered a tax reward auto loan, just ask for one.

[Author]

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