SDCCU will be closed on Thursday, November 22nd in observance of Thanksgiving Day.
Our 30,000 surcharge-FREE CO-OP ATMs, mobile banking, SDCCU Mobile Deposit and Internet Branch online banking are available for your convenience.
SDCCU will be closed on Thursday, November 22nd in observance of Thanksgiving Day.
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Certificate Accounts

HOT Certificate Accounts

Earn 2.00% APY* on a 15-Month Certificate or IRA Certificate 

 

*LEARN MORE

Start growing your money today.

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Promotional Certificates

HOT Certificate Rates

2.00% APY*

15-Month Certificate or IRA Certificate
$2,000 minimum balance

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Certificate Accounts

Short-term certificate: Earn a quick return on your investment, generally payable or reaching maturity in less than one year.

Long-term certificate: Invest your money securely for longer than one year and receive a higher rate of return.

Minimum opening deposit: $2,000

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IRA Certificates

Depending on your needs and goals, a SDCCU Individual Retirement Account (IRA) certificate may be the right retirement investment option for you.

IRA Certificates may provide tax-deferred or tax-free savings and offer advantages for employed individuals regardless of income level. Consult your tax advisor.

Minimum opening deposit: $2,000

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance.

Early Withdrawal Penalties – A penalty will apply for principal withdrawals made prior to maturity. If the account has an original term of one year or less, the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members 70-1/2 and over, or as required by law. Refer to your plan disclosure and consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may apply.

 This product is not available for chartered financial institutions.

Limited time offer. *APY =  Annual Percentage Yield. APY and term for 15-month certificate and 15-month IRA certificate accurate as of 8/3/18 and subject to change without notice. Minimum opening balance of $2,000 for 15-month certificate and 15-month IRA certificate to earn 2.00% APY. Early withdrawal penalty applies to all certificates. Fees could reduce earnings. These certificates will automatically renew to a non-promotional certificate upon maturity. These products are not available for business accounts or chartered financial institutions. Certificates maturing during the promotional period will not automatically renew to the promotional rate. You must call (877) 732-2848 or visit any of our convenient branch locations to take advantage of this promotional rate on new and/or renewing certificates. Consult your tax advisor.
Early Withdrawal Penalties – A penalty will apply for principal withdrawals of certificate made prior to maturity. If the account has an original term of one year or less, the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members 70-1/2 and over, or as required by law. Refer to your plan disclosure and consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may apply.

WHAT PEOPLE ARE SAYING

“I have never been treated so nicely and felt as welcome to a financial institution as I have been at SDCCU. Now I know the difference it makes walking through the doors and being greeted and acknowledged as a guest and not a number. All the staff are so helpful and friendly. I will never go back to a regular bank!”

Bruce A.

 
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BEST Credit Union

Why Bank at SDCCU?
san diego's best

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?