First off, this isn't so much a review of the Encinitas branch as it is California Coats Credit…read moreUnion's call center, wherever that is. While I lived in North County San Diego, I had nothing but good things to say about California Coast. But things have taken a 180 since I moved out of state and what happened today is the prime reason why. I called to find out whether a check had cleared. After a shortish wait, I spoke to an attendant who could not verify my number because it wasn't accepted by some Experian system they recently starting using to verify numbers. This despite the fact that I've had the same cell number for more than 20 years and have used the same phone to check my balance several times. So then I had to talk to a manager. Of course I want to get this number thing fixed so I don't have to go through a manager every time I want information about my account. The manager tells me there is no way to fix this issue. None. And that every time I call in the future I'll have to go through someone in management to retrieve the information I want. He said that there was no way it could be any other way. Period. I have the feeling that this is more about forcing people to use California Coast's online banking, which is much more susceptible to hacking, than any new telephone tracing system they have. What a pain in the butt.

I expect alot from the services and the three account types I have with CCCU Encinitas. James Mejia…read moreand his staff are knowledgeable, efficient and all around kind people that go above and beyond to take of my credit union needs. They consistently make me feel like a VIP when I go in or speak on the with them. Don't change a thing!!

I only came for the ATM, so I can't speak about the service here, but I've never had a problem…read more Parking is impossible so I'm glad they have an underground parking lot. The first hour is free, which is great because usually only need it for no more than 10 minutes. Just grab a ticket. There are multiple elevators which is convenient but it's never been crowded (except for when Whole Foods was there). There are 2 ATMs in the lobby and they are the advanced kind which give you different denominations. That is very helpful when you don't want to carry big bills that can be hard to break. When you leave just scan your ticket at the gate and off you go. Easy!

Not open saturdays. How can anyone bank somewhere mon-fri 9-5. This is awful!…read more Also bankers here are rude and don't listen.

I have never been to a bank that offered the best service then this bank , great staff , great bank…read moremanager , and always offers ways to help you grow your account.(s) I highly recommend anyone opening an account here ! Thank you mission fed! Officer Barnes

ALWAYS HELPFUL manager, Jaya, and her capable staff!! I've been a Mission Fed member for over 40…read moreyears! Wouldn't go anywhere else.

Tammy is so helpful, as is Leona. I use this branch often as I live in Carlsbad. They have never…read moremet me down!

The customer service wonderful they areare amazing, If you need Banck service please, this is…read moreyourBanck, I recommended yes!

I scheduled an appointment with Phil and he called before the appointment to ensure he could help…read moreme. He was kind, professional and clear in communication PLUS he followed up with a phone call. I also met with a teller and they were very friendly and helpful as well. Lastly, I was able to have a document notarized and that associate was also kind, professional, and clear in communication. Honestly, I was impressed. It's been a looong time since I've been treated that well by so many employees at a bank.

I am shocked that Chase allows this branch to operate this branch. I always think of Chase as a…read morepremier banking institution, but this branch is the black sheep of the Chase family. I went in to convert some money in savings paying .1% interest to a CD, and the manager highly recommended that I speak to a personal banker and promised that she would email me the next day. 2 months later I went to the branch to wire money and also spoke with the manager because I never got that call. I spoke with the new manager and was told that the manager I spoke with moved to another branch. The new lady promised to put me in touch with the banker the next day. The same thing happened and nobody had reached out. I feel like they do not want me to make wise investments and prefer to keep my money in cash to pad their reserves since they are not paying interest on it. In addition I was qualified for some premium account with upgraded benefits and nobody had ever brought this up to me. I am not sure if these people are devious or just stupid.

I write this not because I'm a customer or had a nice visit…read more My daughter who is 18 and has her account at this Wells Fargo was scammed using an app called Poshmark. She deposited a large check and then realized she was part of a scam. We went to this branch for help and sat with Nancy who must have taken an hour with my daughter and listened and created a plan to help. That is customer service at its best! My daughter was so nervous she had done something wrong and Nancy just reassured her that Wells Fargo will help and got in with fraud prevention and stopped all transactions on her account. I was amazing at the caring and interest she had with a young client and how she worked with her to help solve it. Thank you Nancy and the whole team at this branch. I'm glad to at least be a shareholder.

My brother has been cashing checks with Wells Fargo for about 4-5 years. this location did not…read morewant to cash his check after the third time. Checks have always been the same nothing has changed. He works hard for every penny earned. But it was 100 percent discrimination, yet every check he's cashed is in the system.

I was in the El Camino Real branch in Carlsbad, California. Two young women helped me out when I…read morewas in between a rock and a hard place. Shauna and Nancy were so very kind and helpful. I don't know what I would have done without their help.

I'm visiting from Northern California and visited this branch. Met with lady manager who's…read morecompletely unhelpful and rejected my wire transfer because of digital Bank card. Other branch in Carlsbad, they helped me with my driver lincence. 2/29/2025 at 10pm. By the way she doesn't even know the exchange rates.

After sending a letter to SDCCU I was contacted by Paula (NFD) and she advised me that whoever…read morereviewed my POA and the Death Certificate was wrong and that the documents provided were okay and that I could now come in and be added to the account and close it if need be. The next day I went into the Oceanside Branch and spoke with Lupe and she was very professional and extremely helpful. I was added to the account as a POA and then the account was closed.

I had an appointment at this SDCCU branch on April 14, 2026, from 11:30 AM to 12:45 PM with…read moreJosephine. From the start, I was transparent that my income is 1099 (self-employed). Instead of being honest, Josephine forced us to open two accounts and deposit funds into a checking account, claiming it was a 'mandatory' step for the loan process. ​Just 30 minutes after leaving, I visited another credit union nearby, where the officer immediately informed me that credit unions in San Diego County have a clear policy against auto loans for 1099/gig workers. Josephine undoubtedly knew this policy but chose to ignore it, wasting over an hour of my time just to hit her new account quotas. ​Now I have to waste even more time returning to the branch to close these useless accounts and withdraw my money. This is deceptive, predatory, and incredibly unprofessional. If you are 1099, stay away from this branch and this employee.

All around no accountability, no return calls from personal bankers, no follow through service…read more Tellers are very kind but the bankers don't work as a team for the customer. I pulled all our funds and won't return.

Niya & Snezhana are Amazing! If you're looking for a great bank with awesome service come here.read more

We experienced some fraudulent charges on our SDCCU account and I went in to the Encinitas branch…read morefor assistance. I was very impressed with the help that I received from Claudia. She helped us set up a new account and she was extremely patient with making sure that every detail was exactly as required to ensure that the matter was not repeated. She invited us to come back the next day just to make sure that everything was correct. Claudia provided outstanding service and that is why we have been at this bank for over 25 years.

San Diego County Credit Union has good CD rates, friendly service and easy online banking with…read moretheir App.