I've been with San Diego County Credit Union Since 2001 when I got my first and only job out of high school. Overall, I'm satisfied with them. They're always a good fall back for when I'm not interested in standing in long lines to do some banking.
In 2003 I used them to finance my car. The interest rate was okay for that time, I suppose. I don't know if it was the most competative, but it was good enough for me. I must say, however, if you're trying to make a financing deal between SDCCU and an independent dealer/agent, be ready to have a cell phone handy for lots of back and forth calling to get the deal straightened out. Even when all parties were sitting at the table for final paperwork signing and handing over of checks, there were some issues that I could have done without.
As far as functioning as a bank, they are better than those large banks. A lot more personable and less red tape than Wells Fargo for sure. I think I'll forever have a grudge with that establishment...
I like going to SDCCU when I know it'll be busy at WAMU, my other bank. I can do all my banking without a line at the locations I go to. Of course I'm not telling which. Why would I create more lines for myself to have to stand and wait? :)