I really don't have a negative thing to about SDFCU. When I applied for a credit card a few years after my bankruptcy, it was denied. After a recon and sending in POI, it was a proved. My card with them has the lowest APR. I now have unsecured loan wth them for 6.9%
They are a basic CU, with excellent customer service. I love their ACH system. I also like that SDFCU is also on the CU shared credit union system, something NFCU and PenFed aren't. SDFCU is not as flashy as NFCU, but they make up for it with the lowest rates around.
Guyatthebeach