SDCCU Blog Posts

San Diego County Credit Union's

Not a Big Bank Blog

Because we're not a big bank, we're here to help YOU, not stockholders! Follow our new blog for financial tips ranging from balancing your checkbook to buying a home. Our goal as your financial partner is to help you make educated financial decisions for yourself and your family.

Save Your Wallet from Heartache this Valentine’s Day

SDCCU | 2/14/2017 09:09 a.m.
We’ve all heard the expression “Love doesn't cost a thing.” But the reality is that sometimes celebrating Valentine’s Day with a loved one can be quite a costly adventure! 

In 2016, the National Retail Federation (NRF) estimated Valentine’s Day spending to reach $19.7 billion, a record higher than the Super Bowl viewer spending of $15.3 billion. According to the NRF survey, men spent an average of $133.61 on gifts for a spouse/significant other compared to the average $62.14 spent by a woman. The research also shows that this Hallmark holiday spending continues to increase year after year, and the gifts in highest demand based on the following percentages of those planning to give someone a gift are as follows:

  • Candy, 50%
  • Flowers, 48.3%
  • Jewelry, 47.9%
  • Greeting cards, 36.4%
  • An evening out, 19.9%
  • Clothing, 17.2%
  • Gift card/certificate, 15.4%
  • Other, 10.2%
So what’s a lover to do? Here are some ideas to save your wallet from heartache this Valentine’s Day.

Plan Ahead
Have a conversation with your loved one on spending limits, or dinner plans – dining out can be crowded on actual Valentine’s Day. You may prefer an alternative date night or skip the holiday altogether. Also, instead of wasting money on flowers that will die and chocolates that will kill your New Year’s resolution diet, shop together for what you really want.

Get Creative
Let Pinterest be your guide to DIY Valentine’s gifts and cards with a lot of heart and emphasize thought over the dollar.

Cooking dinner together can be fun, romantic and delicious. Food NetworkTM offers plenty of recipes for Valentine’s Day dinner for two (or more).  Calm your culinary fears with portioned ingredients and a recipe from Blue Apron or Plated; they offer discount introductory offers, but make sure to read the fine print for subscriptions. Keeping it local, you can also order a Specialty Produce Farmers Market Box and add in local meats or fish and check their site for inspired recipes. You can also buy pizza dough from your local pizzeria and have fun with the toppings.

Buy Other Flowers
We all know that Valentine’s Day is the most expensive day to buy roses. Convey your feelings with other beautiful blooms. Check out this guide to flowers and their symbolization. Save the delivery charge by delivering your bouquet in-person.

Use Credit Card Reward Points
If you can’t resist the urge to spend money on your loved one and succumb the Valentine’s madness, make sure you are at least getting rewards points out of purchase! The SDCCU® Visa® Signature offers 2 Signature Rewards points per $1 spent on net purchases. Better yet—use your SDCCU Visa Signature credit card year-round and purchase your Valentine’s gift with the points! Points can be redeemed for event tickets, gift cards, travel and merchandise. For more information, visit  

Most importantly, here’s one thing to remember when Cupid’s arrow strikes: Valentine’s Day should be a celebration of love – romantic love, family love and love of friends. Keep in mind that the best gift is love and it doesn’t need a fancy present to be expressed.


Latest blog posts

SDCCU Supports Community with Holiday Bowl Sponsorship
12/14/2017 04:38 p.m.
SDCCU has supported the San Diego Bowl Game Association for many years, as a premier sponsor of the Holiday Bowl and as the only title sponsor of the Poinsettia Bowl until its last game was played in 2016. SDCCU is proud to continue to serve the San Diego Community as the title sponsor of the San Diego County Credit Union Holiday Bowl. We are especially proud of its tremendous impact on our hometown during a time when the region's tourism industry is at its slowest.
How to Have a Worry-Free Holiday
12/14/2017 02:59 p.m.
What are the steps you are taking to make sure all of your holiday shopping goes smoothly? Here are some tips to help you as you navigate the holiday shopping season!
Equifax Security Incident
9/11/2017 01:22 p.m.
What You Can Do
Resources for Small Business Owners
9/07/2017 10:57 a.m.
Making the decision to start a small business is a real leap of faith. More than 90 percent of the businesses in San Diego County—or for that matter, in the U.S.—fall into the category of being small.
San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 43 branch locations in San Diego, Riverside and Orange counties. Open an account today.

If you are using a screen reader to access this website and
having difficulties, please contact us at (877) 732-2848.

30,000 surcharge-FREE ATMs

30,000 Surcharge-FREE ATMs

Access your money anywhere with 30,000 surcharge-FREE co-op ATMs nationwide.
Find an ATM
5/5 ARM

No Closing Costs

5/5 ARM Home Loan
Learn More
Auto Buying Service

Let SDCCU Do The Work!

You provide the details of the car you want and we'll locate it, negotiate the price and coordinate delivery for you – at no cost.
Learn More

1% Cash Back!

Apply for a SDCCU Cash Rewards Visa card to earn unlimited 1% cash back.
*Learn More
Check. Snap. Deposit.

SDCCU Mobile Deposit

Deposit checks from your smart phone in real time.
Get the App
Round corner left Round corner spacer Round corner spacer