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All SDCCU branches and Call Center will be closed on Saturday, July 4, 2026 in observance of the 4th of July holiday. Our 30,000 ATMs and mobile and online banking are available for your convenience.
All SDCCU branches and Call Center will be closed on Saturday, July 4, 2026 in observance of the 4th of July holiday. Our 30,000 ATMs and mobile and online banking are available for your convenience.
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Personal Loans

Make an appointment at any of our 39 convenient branch locations.
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Cover unexpected expenses with a personal loan

SDCCU personal loans can help you with financial relief in a variety of different circumstances, whether it's an unexpected expense like car repairs, medical bills or if you just need some extra cash. San Diego County Credit Union was voted San Diego's BEST Credit Union 25 years in a row and offers unique personal loan options that are all individually designed to fit your current financial needs, including unsecured signature loans, savings share secured loans, certificate secured loans and a special Class Cash loan for local teachers.

Low Rates

Low Rates

Competitive loan rates

Earn Dividends

Earn Dividends

With Share or Certificate Secured Loan option

FREE Online Banking

FREE Online Banking

SDCCU Internet Branch online banking with free eStatements

Online Application

Online Application

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Pick your personal loan option.

Listed below you will find three personal loan options available to our customers.

Signature Loan

Signature Loan

As your credit union, we care that you are covered for life’s unexpected expenses. Personal loans are often referred to as a "signature" loan due to the borrower's signature serving as their guarantee to pay the loan back. SDCCU's signature loan is a specific personal loan that is unsecured, which is ideal for those unexpected expenses like car repairs, home repairs, medical bills, vacations or whatever else you may need. Upon qualification, you can borrow up to $10,000 using only your signature as collateral.
  Apply Online View Rates
Signature Loan
Share or Certificate Secured Loan

Share or Certificate Secured Loan

You may get a personal loan using your savings or certificate account as collateral. This is the perfect loan for borrowing money and paying yourself back with the lowest possible finance charges. Best of all, the secured amount is earning dividends for you over the life of the personal loan.
  Apply Online View Rates
Class Cash Loan

Class Cash Loan

Teachers in Southern California can prepare for the school year without emptying their pockets. The Class Cash personal loan allows teachers to finance the cost of their classroom supplies!¹ Get a $500 signature loan at 0% APR² for 10-months.
  Call to Apply
Class Cash Loan

¹Must be a teacher employed by a district or school served by the San Diego County Office of Education (SDCOE) and provide a recent paystub. Must have a SDCCU checking account with a minimum direct deposit amount of $2,000 per month. The minimum payment for the loan is $50 per month.
²APR= Annual Percentage Rate. APR valid as of 04/27/21. 0% fixed APR is for 10 monthly payments of $50 on signature loans of $500. 

See Our Current Rates

FAQS

Frequently Asked Questions

SDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.

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