Sd Medical Federal Credit Union

Headquarters

8889 Rio San Diego Dr Ste 100
San Diego, CA 92108
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.30% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Sd Medical is an NCUA insured institution located in San Diego, CA. It was founded in 1951 and has approximately $75.5 millions in assets.

This business has CLOSED.


NCUA Insured	Yes / Federally Chartered
Charter Number #	# 7258
Date Established	1951
Assets	$75.50 million
Loans	$27.99 million
Deposits	$60.98 million
Capital	$11.51 million

Deposit Rates - March 28, 2025

Your Current Location: New Mexico, NM 10007

We do not yet have rates for Sd Medical

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Loan Rates - March 28, 2025

Your Current Location: New Mexico, NM 10007

There are currently no loan rates available for Sd Medical

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - New Mexico 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 401822	6.644%	6.500%	0.88	$4,795	$2,023	Learn More
NMLS ID: 3030	7.350%	7.250%	1.00	$3,200	$2,183	Learn More
NMLS ID: Not a Lender						Learn More
NMLS ID: 491986						Learn More

See More Mortgage Rates →

Featured - New Mexico Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More More Info
Available APRs range from 6.45% - 10.95*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US

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Note to Sd Medical
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Branches

Below are Sd Medical branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Gallup,New Mexico

Sd Medical Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
MAIN	478.93	A	View Lobby Hours
Navy Branch	480.72	B	View Lobby Hours
VA Branch	483.51	C	View Lobby Hours

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Climate Policy and Initiatives

SD MEDICAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Sd Medical Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Sd Medical. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Sd Medical	U.S. Average
3.04%	5.69

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2024, Sd Medical had $341,471 in non-current loans and $41,139 in owned assets. To cover these potential losses it had $11,506,411 in net worth and $1,062,620 in loans loss reserves. That gives it a Texas Ratio of 3.04%.

Net Worth

Sd Medical	U.S. Average
15.24%	14.16%

Sd Medical FCU has a net worth of 15.24% versus the BestCashCow average of 14.16. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Sd Medical

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