Sddfcu Credit Union Review | Pros & Cons


Sddfcu is a bank that offers a variety of financial services. Its products include savings and checking accounts, credit cards, mortgages, auto loans, personal loans, and investment club accounts.

Its app allows you to manage your DFCU Financial accounts anywhere and anytime. You can check balances, transfer funds, and find a branch location.

Great Alternative to Traditional Banks

Sddfcu offers a wide variety of services that can help you manage your finances. They also offer low fees and competitive interest rates, making them a great alternative to traditional banks.

They also offer a variety of different loan types, including personal loans and home equity lines of credit (HELOC). These products can be helpful for anyone who needs a loan.

Mortgage Program

It also offers a mortgage program that can help people buy their first home. SEFCU offers a wide range of mortgage qualifications and rates, which can help make it easier for borrowers to find the right loan for their needs.

Sddfcu also offers a variety of other financial services, including investments and retirement planning. These can help you grow your savings and prepare for a comfortable retirement. They also offer financial counseling and tax preparation.

Cash-Back Rewards Program

Sddfcu isn’t the only credit union to offer a cash-back rewards program, but it’s one of the most well-rounded and user friendly. Their DFCUPerks checking offers money-saving discounts and perks that you won’t find anywhere else. They also offer a high-tech savings account with a name-brand APY and an impressive suite of online banking services.

Michigan Credit Union

The credit union is a big fish in the Michigan credit union fish bowl, with over 3 million members and more than $38.2 billion in assets as of May 31, 2018. The aforementioned high-tech savings account is a good bet for your retirement nest egg, but it’s not the only way you can earn extra cash. The credit union has a variety of banking products, including credit cards and mortgages, and if you are looking to make your first loan payment, they might have a solution for you. Its website features a handy tool for calculating your rate and fees, as well as a wealth of other helpful information.

The State Department Federal Credit Union (Sddfcu) offers a variety of credit cards. It offers secured and unsecured options, and they can be used anywhere that accepts VISA.

Its introductory annual rate is $0 and it doesn’t charge foreign transaction fees. This makes it a great choice for international travelers.

Sddfcu offers credit cards for both personal and business use. It also offers a cash-back rewards program for its cardholders.

Sddfcu Financial Review

Sddfcu Financial is a credit union that offers a variety of banking services to their members. They offer savings, checking, personal loans and more.

Annual Loyalty Reward

They also have a cash back program that pays their members an annual loyalty reward. Check out our article about Sddfcu Financial to learn more.

The Sddfcu Premium Cash Back+ card from State Department Federal Credit Union offers a $200 bonus reward when you spend $3,000 in the first 90 days of account opening and you’ll earn 2% cash back on all your purchases with no annual fee, no balance transfer fee, or foreign transaction fee. This is one of only a few no-annual-fee/no-balance-transfer-fee cards that can give you a 2% rebate on every purchase you make.

Cash Back Mall Online

Sddfcu also allows members to shop the Cash Back Mall online through their accounts for additional offers that may be eligible for cash back. The Cash Back Mall provides cardholders with an opportunity to access rewards for their everyday purchases from participating merchants including restaurants, gas stations, and retailers.

Sddfcu members can also join the American Consumer Council (ACC) for $8 to receive discounts on a variety of services and benefits from their credit union, including this no-annual-fee/no-balance-transfer-fee card. ACC membership is also free to those who live in Texas and who already have or are planning to enroll in the state’s low-interest mortgage program, which is offered by Sddfcu.

Sddfcu Online Account

You can use your Sddfcu online account to manage your money anytime, anywhere. Check account balances, deposit checks, transfer funds, pay bills, view your credit card spending, and more. You can also check your credit score, set up account alerts and access eDocuments.

If you want to send a wire transfer in the US, or receive one internationally, you’ll need a routing number. These 9-digit numbers are used by the Federal Reserve Banks to process Fedwire and ACH transfers, so your payments arrive where they’re meant to go.

Final Words:

Secured credit cards are a good option for consumers who need to establish or rebuild their credit, and Sddfcu’s card is one of the best in the industry. It offers a rewards program, very loose underwriting standards, almost no fees and regular credit bureau reporting.

However, there are some drawbacks to this card, including low redemption values for Flexpoints and a $250 initial deposit requirement. Other than those, the Sddfcu Savings Secured Visa Platinum is a good choice for consumers who want to build or rebuild their credit.

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