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Eligibility

Applying is fast and easy!

You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Date of Birth

Select your eligibility

I live in

I work in

I am an immediate family or household member of a SDCCU member.

Financial Fitness Association Member. Click here for details.

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Required Products

Select at least one of the following products required for membership

Primary Savings

Start your personal finances off right with a new Primary Savings account. All customers are required to open and maintain a Primary Savings account with a minimum balance of $1.

Min Deposit: $1.00

You may select one of the following products

Available Products

Money Market Savings Checking Certificate Account

Money Market

Money Market accounts provide you with liquidity and earning power. SDCCU rates are competitively priced to ensure the maximum return for you.

Max APY: 0.20% Min Deposit: $100.00

Free Checking with eStatements

Pay no monthly checking fees on our popular free checking account when you sign up to receive eStatements. This convenient option with no monthly checking fees offers a seamless and budget-friendly approach to managing your finances, allowing you to access your statements electronically with ease.

Min Deposit: $25.00

High-Yield Checking

Get higher returns on your balance with our high-yield checking account, which earns competitive dividends based on the average daily balance. You can watch your savings grow steadily month after month.

Max APY: 0.05% Min Deposit: $100.00

Classic Checking

Earn dividends on your balance with our classic checking account, paid monthly with an average daily balance of $1,500 or more. If you value the predictability of consistent monthly returns, our Classic checking account is perfect for you.

Min Deposit: $25.00

Wave Checking

This account does not qualify for Courtesy Clearing, Overdraft Transfer or Debit Card Overdraft Service and has reduced card limits. Pay no monthly checking fees, overdraft fees or Bill Payer Plus® fees when you open a Wave Checking account. This no-frills checking option is perfect for managing your finances without incurring overdraft fees.

Min Deposit: $25.00

7-Month Promotional Certificate

Earn a quick return on your investment, generally payable or reaching maturity in less than one year.

Max APY: 4.00% Min Deposit: $2,000.00

60-Month Certificate

Invest your money securely for longer than one year and receive a higher rate of return.

Max APY: 1.75% Min Deposit: $2,000.00

48-Month Certificate

Invest your money securely for longer than one year and receive a higher rate of return.

Max APY: 1.75% Min Deposit: $2,000.00

36-Month Certificate

Invest your money securely for longer than one year and receive a higher rate of return.

Max APY: 1.75% Min Deposit: $2,000.00

24-Month Certificate

Invest your money securely for longer than one year and receive a higher rate of return.

Max APY: 1.75% Min Deposit: $2,000.00

18-Month Certificate

Invest your money securely for longer than one year and receive a higher rate of return.

Max APY: 1.75% Min Deposit: $2,000.00

12-Month Certificate

Invest your money securely for one year and receive a higher rate of return.

Max APY: 1.50% Min Deposit: $2,000.00

6-Month Certificate

Earn a quick return on your investment, generally payable or reaching maturity in less than one year.

Max APY: 1.00% Min Deposit: $2,000.00

3-Month Certificate

Earn a quick return on your investment, generally payable or reaching maturity in less than one year.

Max APY: 1.00% Min Deposit: $2,000.00

Special Savings

Special Savings accounts are dedicated accounts for long term savings goals. These accounts are a great way to set aside funds for vacations, a down payment for a car, holiday planning and more.

Great Rate Savings

The Great Rate Savings account gives you a secure, liquid, insured account to earn a return on your balance.

Max APY: 0.70% Min Deposit: $25,000.00

High-Balance Savings

With our High-Balance Savings account, you can earn a greater rate of return on your savings while maintaining easy access to your money when you need it.

Max APY: 2.60% Min Deposit: $25,000.00

APY (Annual Percentage Yield)

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Funding

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One-time Membership Fee

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Total Deposit

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

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Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

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Address

Zip

City

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Mailing Address

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Address

Zip

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State

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Tell Us About Yourself

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of San Diego County Credit Union?

SSN

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

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Current Physical Address

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Address

Zip

City

State

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Mailing Address

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Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

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Do you have any beneficiaries?

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Do you have another applicant?

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Speed up your application process by taking the BACK image of your US driver's license.

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Recommendation for best recognition:

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Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

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Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

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Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

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About Your Joint Applicant

Optional: Click or tap the card below to pre-fill information with your driver's license.

Personal Information

Are you an employee of San Diego County Credit Union?

SSN

Show SSN

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

First Name

Middle Name

Last Name

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

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Tell us about your beneficiaries

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Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Other Products

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Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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Product Selections

Additional Application Information

Applicant Information

Contact Information

Identification Information

Secondary Identification Information

Address

Employment Information

Previous Employment Information

Joint Applicant Information

Joint Applicant Contact Information

Joint Applicant Identification

Joint Applicant Secondary Identification

Joint Applicant Address

Joint Applicant Employment Information

Beneficiary Information

Funding Source

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Please answer the following question(s)

What is the primary purpose of this account?*

What is your primary source of funds and/or wealth?*

Primary Source of Funds (Other):*

Will you be regularly depositing or withdrawing cash?*

Anticipated cash deposit amount per month?*

How many cash deposit occurrences per month?*

Anticipated cash withdrawal amount per month?*

How many cash withdrawal occurrences per month?*

Do you anticipate conducting ACH transactions?*

Will you conduct domestic ACH transactions?*

How many anticipated occurrences of incoming domestic ACH transactions per month?*

What is the anticipated amount of incoming domestic ACH transactions per month?*

How many anticipated occurrences of outgoing domestic ACH transactions per month?*

What is the anticipated amount of outgoing domestic ACH transactions per month?*

Will you conduct international ACH transactions?*

What is the anticipated amount of incoming international ACH transactions per month?*

How many anticipated occurrences of incoming international ACH transactions per month?*

What is the anticipated amount of outgoing international ACH transactions per month?*

How many anticipated occurrences of outgoing international ACH transactions per month?*

What countries will you send ACH to?*

What countries will you receive ACH from?*

Do you anticipate conducting wire transactions?*

Will you conduct domestic wire transactions?*

How many anticipated occurrences of incoming domestic wire transactions per month?*

What is the anticipated amount of incoming domestic wire transactions per month?*

How many anticipated occurrences of outgoing domestic wire transactions per month?*

What is the anticipated amount of outgoing domestic wire transactions per month?*

Will you conduct international wire transactions?*

How many anticipated occurrences of incoming international wire transactions per month?*

What is the anticipated amount of incoming international wire transactions per month?*

How many anticipated occurrences of outgoing international wire transactions per month?*

What is the anticipated amount of outgoing international wire transactions per month?*

What countries will you receive international wires from?*

What countries will you send international wires to?*

Do you anticipate purchasing cashier's checks?*

How many cashier's checks do you anticipate to purchase per month?*

What is the amount of cashier's checks you anticipate purchasing per month?*

Do you anticipate using an ATM/debit card?*

How many anticipated ATM deposits will you make per month?*

How much do you anticipate depositing at an ATM per month?*

How many times do you anticipate using your ATM/debit card per month?*

What is the anticipated amount used by your ATM/debit card per month?*

Do you anticipate using checks?*

How many checks do you anticipate depositing per month?*

What is the amount of checks you anticipate depositing per month?*

How many checks do you anticipate writing per month?*

What is the amount of checks you anticipate writing per month?*

Do you anticipate using SDCCU Mobile Deposit®?*

How many checks do you anticipate depositing by mobile deposit per month?*

What is the amount of checks you anticipate depositing by mobile deposit per month?*

Do you expect to use third party payment merchants (Example: Zelle, Stripe, Venmo)?*

What is the purpose of using third party payment merchants?*

Are you or your employer directly engaged or associated with Money Service Business activity (currency dealer, check casher, money order issuer or redeemer, etc.)?*

Are you or your employer directly engaged or associated with cannabis or cannabis-related business?*

Are you or your employer directly engaged or associated with an ATM owner, servicer or operator?*

Are you a current or former senior political figure, their immediate family, and/or their close associate? “senior political figure” refers a senior official in the executive, legislative, administrative, military or judicial branches of government (whether elected or not), a senior official of a major political party, or a senior executive a government-owned corporation.*

What is the role of the political figure?*

What is the name of the political figure?*

What is your relationship to the political figure?*

Read, Sign and Submit

Your application is not complete until you read the disclosure below and click the “I Agree” button in order to submit your application.

You are now ready to submit your application! By clicking on "I agree", you authorize us to verify the information you submitted and obtain your credit report. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

If I am applying with another person I am intending to apply for joint credit.

Please take a moment to review the account disclosures below. You may print or save them for your records. You have the right to receive terms, conditions and disclosures in paper form. To receive these written documents, you can print them, request a copy by telephone at (877) 732-2848 or visit any branch location.
I have read, understand and agree to all of the following:

• Account Disclosures and Agreement
• Consumer Services Fee Schedule
• Deposit Rate Sheet
• Electronic Signatures Disclosure and Consent Agreement
• Online & Mobile Privacy Policy
• Your Insured Funds
• California Consumer Privacy Disclosure

Proxy Statement: I/We hereby delegate the Board of Directors of San Diego County Credit Union by a majority vote to appoint a Proxy or Proxies (in the event I have multiple accounts or am the legal representative for multiple accounts) to represent me/us at all meetings of the members of SDCCU and to vote on my/our behalf on all questions and elections coming before said meetings as applicable. This/these Proxy/Proxies shall remain in effect for (3) three years from the date of execution, unless cancelled by me/us in writing. I/We reserve the right to withdraw this Proxy from any meeting I/we attend in person.

Electronic Document Consent: I have read the Electronic Initial Disclosure Consent and agree to receive all disclosures and documents relating to this new account electronically.

Agreement: I consent to receiving calls, texts and other messages from SDCCU for any purpose on any phone number provided or that may reach you, including via automatic telephone dialing systems and/or artificial or pre-recorded voice. Such consent is not a condition of receiving any product or service from SDCCU.

Agreement: By clicking the checkbox, I/We authorize SDCCU to obtain consumer reports, such as ChexSystems and credit reports, for any permissible purpose, including but not limited to determining eligibility for membership, any loan or extension of credit I/we may have applied for, and/or to offer me/us other loan products or services.

I/We warrant that the information being submitted is true and correct.
I/We certify under penalties and perjury, that (1) the Tax Identification Number (TIN) shown on this form is correct and (2) I/We are not subject to backup withholdings due to failure to report interest and dividend income and (3) I/We am/are a United States person, including a U.S. resident alien (W-8 BEN required if not a U.S. person).

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Product Funding Limit Exceeded

The total amount to be deposited for a product type cannot exceed the limit defined in the following table. Please adjust the deposit amount for your requested products so they do not exceed the limit.

Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

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