Savings Accounts

Safe, solid & sound

Whether you are looking for a savings account or an account that offers higher returns like a certificate, Money Market, or an IRA Retirement account, San Diego County Credit Union account is a safe, solid and sound place to securely save your funds. Open an account online or visit a branch location to get started. We’ve even got Saturday hours to make it more convenient for you.

Find the savings account that's right for you

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.

¹Minimum opening deposit: $2,000
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Money Market Accounts

Money Market Accounts: These accounts provide you liquidity and earning power. SDCCU rates are competitvely priced to ensure the maximum return for you. Open a money market account online today.

Monthly fee: No fee
Minimum opening deposit: $5,000
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Great Rate Savings

The Great Rate Savings Account gives you a secure, liquid, insured account to earn a return on your balance.

Monthly fee: No monthly fee
Minimum opening deposit: $5,000
Minimum balance: $100
Minimum average daily balance to earn dividends: $25,000

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High-Balance Savings

With our High-Balance Savings account, you can earn a greater rate of return on your savings while maintaining easy access to your money when you need it.

Rates over 7 times higher than the national savings average²
Monthly fee: No monthly fee
Minimum opening deposit: $25,000
Minimum average daily balance to earn dividends: $25,000

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Special Savings Account

Special savings accounts give you a dedicated account to separate your savings into to save for long term goals. Open a vacation savings account, a holiday savings account and more.

Monthly fee: No monthly fee
Minimum opening deposit³: $1

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Primary Savings Accounts

Start your personal finances off right with a new personal savings account from San Diego County Credit Union. All customers are required to open and maintain a primary savings account with a minimum balance of $1.

Monthly fee: No monthly fee
Minimum opening deposit and balance: $1

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Teen First Savings

Save for things you really want… college, concert tickets, a new surfboard or that car you’ve been dreaming of. Earn interest on balances over $100 in the form of dividends.

Monthly fee: No monthly fee
Minimum opening deposit: $1

Open an Account

Your savings are 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.

¹Early 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 73 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.

²The 3.00% APY is compared to the average savings rate displayed on the FDIC website (Source: S&P Capital IQ Pro; SNL Financial Data) at https://www.fdic.gov/resources/bankers/national-rates/index.html listed under National Deposit Rates² as of April 17, 2023.

^₃Must maintain a $1 savings balance.

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

SEE OUR CURRENT RATES

ATM access

Visit any one of our 30,000 surcharge-free ATMs nationwide.

Alerts

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Online banking

Take advantage of online services like real-time account alerts.

ATM Card

Convenient cash access