Used Vehicle

APR low

New Vehicle

APR low

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Credit Card

APR low

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Home Equity

APR low

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APY up to

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Personal Loans

APR low

We know that finding the time to keep track of your finances can be difficult in today’s busy world. We make it easy for you with our suite of Personal Financial Management tools. Monitor your credit score, develop a budget to manage your finances and teach your child about the importance of developing good banking habits.

Get your credit score



Your credit score plays an important role in determining the likelihood of you being approved for credit cards, car loans, personal loans, mortgages and more.

SavvyMoney® is a free service offered to help you understand your credit score, access your full credit report and other features including: 

  • Unlimited access to your credit score
  • Monthly credit reports
  • Daily credit alerts to help you monitor fraud
  • Tips for improving your score
  • Opportunities to save with various SDFCU products
  • See the average credit score within your zip code
  • Review how your credit score has changed over time
  • Initiate credit report disputes

To view your credit score and access all of the features, sign in to Online Banking or use the SDFCU Mobile App. First-time SavvyMoney® users will be prompted to enroll. 

View Your Credit Score

Monitor your spending and manage your finances

Money Management


BALANCE Financial Fitness Programs


Money Management is a FREE robust Personal Financial Management (PFM) application found within Online Banking, which gives you a complete picture of all of your accounts. This tool is designed to make financial management easier by allowing you to add non-SDFCU accounts to your profile. With Money Management, there is no need to log into multiple websites. You can access all of your account data in a single snapshot and monitor your bills and cash flow. When you know how you are spending, you can make informed decisions about how you are using your money.


With your financial wellbeing in mind, we have also partnered with BALANCE Financial Fitness Programs. These FREE programs are designed to help you create a money management plan that will let you achieve your financial goals.

The details

  • Always FREE for members
  • Complete overview of all your financial accounts from over 19,000 financial and creditor institutions
  • Easily access and remove accounts from your profile
  • Analyzes all of your transactions and assigns them to a category and monitors your spending
  • Access to Budgets, including smart auto-creation of budgets based on your spending history
  • Easily set up email alerts and text alerts to send notifications to when your bills are due
  • Access to a Spending Chart
  • Debt payoff forecasting
  • Review a Cash Flow Calendar

To get started, visit Money Management within Online Banking and begin monitoring all your accounts in one place.


The details

  • FREE for members
  • Financial Counseling is available
  • Debt management analysis
  • Develop saving and spending plans
  • Provides a credit report review and analysis
  • Review identity theft solutions

To get started, visit the BALANCE website or contact a counselor at 888.456.2227 and remember to let them know that you are an SDFCU member.

Online Banking
Visit Balance


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