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Domain Due Diligence
Report for Sdccu.com

Report Date December 10, 2025
Recommendation
Proceed
Overall Summary
Safe
Why we think so

sdccu.com is the official website of San Diego County Credit Union, a long-established and BBB-accredited financial institution based in San Diego, California. The site supports robust technological infrastructure including Microsoft Azure servers and uses standard web security measures like DigiCert EV SSL certificates. The domain is well-trafficked, with about 523,000 monthly US visits, primarily direct traffic, ranking #64,551 globally, indicating a solid user base. Multiple official contact emails and phone numbers are published on the site, along with active social media profiles on Facebook, Instagram, Twitter, LinkedIn, and YouTube. No blacklist or phishing threats are detected for this domain. Recent news highlights include community involvement and industry recognition. However, online reviews reveal consistent customer complaints about service responsiveness, fee disputes, and loan handling, though SDCCU maintains open complaint channels. Several legal disputes involving SDCCU relate mainly to trademark rights and defamation cases, with SDCCU often as plaintiff. Scam reports indicate SDCCU is frequently impersonated in phone and online fraud schemes, but the credit union provides clear guidance to help members identify and avoid scams. Overall, sdccu.com is a legitimate and established credit union website with active community presence and some customer service challenges reported in reviews.

Confidence Score
83%

Risk Insights

🏦

Established Financial Institution

Domain registered since 1996
Valid EV SSL certificate issued by DigiCert
Trusted technology platforms used
📊

Real User Traffic & Engagement

About 523K US monthly visits
Low bounce rate and multiple page views
Strong direct and search traffic sources
⚠️

Customer Service Complaints

Reported slow responses and unresolved disputes
Issues with fees and loan handling
BBB shows multiple customer complaints
🚨

Scam Impersonation Risk

Frequent fraud attempts impersonating SDCCU
Official warnings about phishing calls and texts
Use verified contacts to avoid scams

Contradictory Signals

While technically secure and owned by a legitimate entity, user experiences indicate service problems that may affect reputation.

Signal A: High traffic and strong domain authenticity

Signal B: Significant customer service complaints and dispute reports

Category Scores

Identity 90/100
Reputation 55/100
Technical 85/100
Content 80/100
Legal 70/100
Business Validity 90/100

Red Flags & Warnings

  • Customer reviews reveal issues with service responsiveness, fee disputes, and loan handling complaints.
  • Active scams impersonate SDCCU to defraud customers, requiring vigilance against phishing and fraud attempts.
  • Several legal disputes involving trademark and defamation cases, though SDCCU is mostly plaintiff; some controversy present.

🔎 Detailed Checks & Analysis

Domain Age and Registrar Reputation

Score: 90/100
Passed

"Long-term domain registration helps establish trustworthiness."

Reason: Domain was registered in 1996 via reputable registrar Network Solutions, indicating long history and stable registration.

SSL Certificate Validation

Score: 85/100
Passed

"Extended Validation SSL adds trust for users by confirming organization identity."

Reason: Valid DigiCert EV SSL certificate present, demonstrating identity verification and encryption.

Traffic Volume and User Engagement

Score: 85/100
Passed

"High, stable traffic from target country shows active usage."

Reason: Consistent monthly visits (~523K), primarily direct US traffic with low bounce rate and good engagement, support legitimacy.

Technical Stack and Infrastructure

Score: 80/100
Passed

"Modern and credible technology stack reduces risk of fraud."

Reason: Technologies like Microsoft Azure, Google Tag Manager, and standard web security used, consistent with established financial websites.

Official Contact Information and Social Presence

Score: 80/100
Passed

"Accessible contact info is a positive trust signal."

Reason: Multiple verified email addresses, official phone numbers, and active social media accounts provide transparency and user access.

Blacklist and Scam Reports

Score: 90/100
Passed

"Clear security status supports safety of the site."

Reason: No blacklist or phishing alerts found; domain not flagged for scams by major security services.

Trademark Ownership and Disputes

Score: 70/100
Passed

"Strong trademark portfolio reinforces legitimacy despite some legal contention."

Reason: Multiple active trademarks owned by SDCCU validate brand authenticity; some legal disputes mostly favor SDCCU.

Customer Reviews and Reputation

Score: 40/100
Failed

"Negative user feedback suggests potential service challenges that users should be aware of."

Reason: Online reviews document repeated complaints about customer service and dispute resolution issues.

Your Next Steps

  • 1
    If you are a customer, review recent complaints to understand common service issues.
  • 2
    Use official contact methods to verify any suspicious communications claiming to be from SDCCU.
  • 3
    For account-related concerns, contact SDCCU directly via published phone numbers or secure online banking messaging.
  • 4
    Stay informed about common scam tactics impersonating SDCCU to avoid fraud.
  • 5
    Consider monitoring news or regulatory releases if you require more updates on SDCCU's reputation.

Evidence & Citations

🕵🏻 Keep investigating

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