San Diego County Credit Union is San Diego's largest locally-owned financial institution. With over $8.3 billion in assets, SDCCU is a not-for-profit credit union wholly owned and operated by its members. Unlike most other financial institutions, like big banks, San Diego County Credit Union does not issue stock or pay dividends to outside stockholders. Instead, earnings are returned to members in the form of lower loan rates, higher dividends on deposits or lower fees.
Originally chartered in 1938 as San Diego County Employees Credit Union, SDCCU was formed to provide for the financial needs of local county government employees. During the 1970s, SDCCU expanded its membership to include all San Diegans and today, is open to everyone living or working in San Diego, Riverside or Orange County. That outside of the area can open an account by joining the Financial Fitness Association.