Sdccu is the most backward of places, don't try transferring funds, it takes ages and the "money" disappears for days. Don't expect to call then either... the phone just rings... the only way to get decent service is to go round to the branch... that if your near a branch otherwise you're out of luck. When you get to the branch lots of hierarchy and waiting and standing in line... and their advertising says they are the best,,,, these people are the absolute worst... of the worst.