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Certificate Accounts

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Dividend rates, APYs and terms subject to change without notice.
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Promotional Certificates

26-Month Certificate - Limited Time Offer

3.00% APY*
26-Month Certificate or IRA Certificate
$10,000 minimum balance
Online opening only

Guaranteed returns. Invest your money safely with SDCCU voted San Diego's Best Credit Union 23 years in a row in the San Diego's BEST Union-Tribune Readers Poll.

Open your account in 3 easy steps
  1. Click the Open an Account button below
  2. Select $1 savings account, enter your information and submit the application
  3. Transfer your funds:
  • Make a wire transfer: Simply provide your account number and the nine-digit routing number found on your check or deposit slip
  • Mail a check or money order to:

San Diego County Credit Union
Attn: Deposits, Payments or Payoffs
P.O. Box 269040
San Diego, CA 92196-9040


For more information, call (877) 732-2848.

Open an Account Existing Member Login
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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

Open an Account View Rates
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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

Open an Account View Rates
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Open your account in 3 easy steps:

  1. Click the Open an Account button below
  2. Select $1 savings account, enter your information and submit the application.
  3. Transfer your funds:      
    • Make a wire transfer: Simply provide your account number and the nine-digit routing number found on your check or deposit slip.

    • Mail a check money order to:
      San Diego County Credit Union
      Attn: Deposits, Payments or Payoffs
      P.O. Box 269040
      San Diego, CA 92196-9040


For more information, call (877) 732-2848.



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.

Limited time offers. Membership required. *APY = Annual Percentage Yield. APY and term for 26-month certificate accurate as of 9/29/2022 and subject to change without notice. Minimum opening balance of $10,000 for 26-month certificate to earn 3.00% APY. Early withdrawal penalty applies to all certificates. Fees could reduce earnings. Upon maturity, these certificates will automatically renew to a non-promotional 24-month certificate at the rate then offered by SDCCU. Certificates maturing during the promotional period will not automatically renew to the promotional rate. This promotional rate is available online only. Business accounts and chartered financial institutions are not eligible for this promotion. 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 72 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.

Dividend rates, APYs and terms subject to change without notice.

 This product is not available for chartered financial institutions.

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.

 
san diego's best

Be a Part of San Diego’s
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?