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SDCCU Responds with Financial Relief during the Coronavirus Pandemic

As the coronavirus (COVID-19) situation continues to change daily, we want to assure you that your funds remain safe, sound, accessible and federally insured up to the maximum amount permitted. Our hearts go out to all affected, from both a health perspective, as well as a financial perspective. As some members are beginning to experience unanticipated financial hardships related to this pandemic, we want to assure you we remain committed to providing financial relief.

Loan Payment Relief

NEW Relief Information

If you have already taken advantage of the 90 day deferment and are still experiencing a financial hardship, please fill out the following request form(s) - one per loan:

SDCCU is providing financial relief with the below options. Click for more information:

ATM Fee Waivers for SDCCU members¹
Automatic 90-Day Consumer Loan Deferment Relief for auto, credit card and personal loans²
90-Day Mortgage and Home Equity Deferment Relief, upon request³
Business Loan Deferment Relief, upon request
Commercial Real Estate Deferment Relief, upon request
Early Redemption Penalty Waivers for Savings Certificates, upon request

Frequently Asked Questions

Automatic 90-Day Consumer Loan Deferment Relief

If you choose not to make your payment by the due date, SDCCU will automatically advance the due date for you, and defer your payment 90 days, with no fees. This is for SDCCU auto loans, credit cards and personal loans. No need to call us, this deferment will happen automatically. If you don’t need financial relief, please continue to make your loan payments as you normally do.

If you have already taken advantage of the 90 day deferment and are still experiencing a financial hardship, please fill out the following request form - one per loan: Consumer loan 30 day deferment request (auto, Visa, personal loan)

Please note, if you have automatic payments via auto transfer, Bill Payer Plus^TM, or the payment originates from another bank, you will need to manually stop these payments by cancelling the payment within Bill Payer Plus, contacting the credit union to stop the automatic transfer or contacting the other bank where the payment originates.

Mortgage Loans, Home Equity Loans or Home Equity Lines of Credit (HELOC) Deferment Relief, upon request

For members who need payment assistance on a SDCCU mortgage loan, Home Equity Loan, or Home Equity Line of Credit (HELOC), the credit union will defer your payment up to 90 days, with no fees. To initiate a mortgage loan payment deferral, please fill out the SDCCU Mortgage Relief contact form and a SDCCU Loan Representative will contact you.

SDCCU Mortgage Relief Form

If your mortgage loan is serviced by Midwest Loan Services (MLS), please contact MLS at lossmit@midwestloanservices.com or 800-262-6574 to receive this same offer.

If you have already taken advantage of the 90 day deferment and are still experiencing a financial hardship, please fill out the following request form - one per loan: Residential Real Estate Loan 30 day deferment request (1st mortgage or equity)

Business Loan Deferment Relief, upon request

If you choose not to make your business auto loan and/or credit card payment by the due date, SDCCU will automatically advance the due date for you and defer your payment 90 days, with no fees⁴.

If you have already taken advantage of the 90 day deferment and are still experiencing a financial hardship, please fill out the following request form - one per loan: Business Loan 30 day deferment request (auto or Visa)

Commercial Real Estate Relief, upon request

Members with an existing commercial real estate loan can contact Marc Mathews, SDCCU Business Loan Officer, at 877-732-2848 ext. 4616 or email at mmathews@sdccu.com to discuss options.

If you have already taken advantage of the original deferment and are still experiencing a financial hardship, contact Marc Mathews using the contact information above.

Paycheck Protection Program

The credit union is providing a link to Kabbage for the convenience of SDCCU business account holders interested in the SBA Paycheck Protection Program (PPP).

For additional resources on protecting your finances during the coronavirus pandemic, visit our blog and the Consumer Financial Protection Bureau website.

Branch Access & Safety

Accessibility

As an essential service provider, SDCCU remains open for the safety of our community. With the robust directives in place for the community to continue to self-isolate, we highly encourage members to use Internet Branch online banking for their needs, as most financial services and transactions can be managed through your PC or mobile device. If you absolutely need to visit a branch, review open locations and hours of service at sdccu.com/locations.

Temporarily Closed Branch Locations

Safety

The safety of our staff and members is one of our highest priorities. We have enhanced sanitizing practices in all SDCCU locations, new safety shields have been installed at employee stations, and proper markers are designated to observe the required six feet of social distancing. In addition, as of April 9, 2020, all employees who interact with the public are required to wear a facial covering per the County of San Diego, Department of Health Order.

The credit union prohibits anyone from entering a SDCCU branch location if they within the last two weeks: have been diagnosed with COVID-19, are experiencing COVID-19 symptoms, have been in direct contact with someone confirmed as COVID-19 positive, are a person under investigation (PUI) for suspicion of COVID-19 or are awaiting COVID-19 test results.

We will take any violation of this very seriously, including denying banking transactions, and report any such reckless behavior to the appropriate authorities.

As the coronavirus pandemic evolves, SDCCU will continue to follow local, state and national guidance to ensure safe operations as an essential service provider. We appreciate your continued support as we work together to keep our community safe and well.

Teresa Campbell
President and CEO

Contacting SDCCU

We are currently experiencing extremely high call volume due to the pandemic. Skip the wait by using our self service options!

Loan help - see the Loan Payment Relief tab above for details
Depositing checks - use SDCCU Mobile Deposit to make deposits from home. Our 30,000 surcharge-FREE ATMs are also available.
- If accounts are overdrawn, any deposits are automatically applied to cover negative balances. However, we are committed to ensuring you have full access to your CARES Act stimulus funds. Please contact us if you have questions or need further information. SDCCU is here for you during this unprecedented time.
Alerts - Set up account alerts in online banking. Just look for the Alerts option in the Quick Actions menu, or if you’re in mobile banking, select “Self Service” and click on “Alert Preferences”.
Dispute a charge - Navigate to the transaction charge in online banking, click the transaction and click the Dispute button. Then just answer a few questions and click Submit.

SDCCU is temporarily waiving the SDCCU non-CO-OP ATM withdrawal and inquiry fees as well as the SDCCU International ATM withdrawal fee. Please note, SDCCU does not control the fees imposed by other financial institutions to use their ATM.
Offer only available on SDCCU auto loans, personal loans, and credit cards. If the loan is not paid, and is not more than 35 days past due, it will automatically advance the due date 90 days and interest will continue to accrue during the deferment period. Deferring a payment may extend the original term and increase total finance charges. Your loan must be no more than 35 days past due to qualify. If your loan is more than 35 days past due, other options may be available. The regular monthly payment amount will remain the same. The first payment after the deferred payment(s) will include the deferred months’ interest.
Interest will continue to accrue during the deferment period. Deferring a payment may extend the original term and increase total finance charges. Your loan must be no more than 35 days past due to qualify. If your loan is more than 35 days past due, other options may be available.
Interest will continue to accrue during the deferment period. Deferring a payment may extend the original term and increase total finance charges. Your loan must be no more than 35 days past due to qualify. If your loan is more than 35 days past due, other options may be available.

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

Open an account online today!