Our SDCCU online services will be unavailable Tuesday 9/25 from 4 a.m. – 6 a.m. We apologize for any inconvenience.  
 
Online Purchase Recently Declined? Read Our New Security Features FAQs >>
SDCCU online services will be unavailable Tues. 9/25 from 4 a.m. – 6 a.m. We apologize for any inconvenience.
Online Purchase Recently Declined? Read Our New Security Features FAQs >>
SDCCU
search
ATM & BRANCHES
LOG IN

Business Savings Accounts

SDCCU business savings accounts earn competitive rates

Use our free online banking services to manage your business savings account online.

ATM Machine Icon

ATM access

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

Competitive Rates

Competitive business deposit rates

FREE eStatements

Get monthly eStatements delivered to your email

computer and the internet

Online banking

Take advantage of online services like real-time account alerts

Choose your best business savings account.

business lady in her shop on phone checking her sdccu sweep savings account

Sweep Savings Account

The business sweep savings account is designed for businesses that want to optimize interest income by reducing idle account balances.

  • Earns competitive rates
  • Automatically invests idle funds
  • Unlimited sweeps to and from your checking account
  • Links to as many as three SDCCU checking accounts
  • Customized target levels for sweep
  • Overdraft protection source
  • Tiered dividend rates based on average daily balance 

Minimum balance: $5,000 minimum to open
Fee: $10 monthly fee

Open your account at any of our convenient branch locations or call (877) 732-2848.

Call to Apply Visit a Branch
business lady in her shop on phone checking her sdccu sweep savings account
young sdccu associate explains sdccu business savings account to sdccu members

Primary Savings Account

The primary savings account establishes SDCCU membership and serves as a basic account for saving money.
 
Minimum balance: $1 minimum balance¹
Fee: None

Open your account at any of our convenient branch locations or call (877) 732-2848.

Call to Apply Visit a Branch
woman in a business meeting explaining sdccu money market account

Business Money Market Account

San Diego County Credit Union offers money market accounts to our business members. These accounts offer liquidity and earning power with competitive rates to ensure maximum savings. Business money market accounts earn tiered dividend rates based on average daily balance. Check writing is not available.
 
Minimum balance: $5,000 minimum to open
Fee: No monthly fee

Open your account at any of our convenient branch locations or call (877) 732-2848.

Call to Apply Visit a Branch
woman in a business meeting explaining sdccu money market account
business man signing his sdccu business certificate account

Business Certificate Account

With a business certificate account from San Diego County Credit Union, you know your exact return on investment with fixed dividend rates. Choose from 3- to 60-month terms, depending on your investment strategy. Business certificate accounts earn tiered dividend rates based on the average daily balance.
 
Short-Term Certificate: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, usually less than one year.
 
Long-Term Certificate: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return.
 
Minimum balance: $2,000
Fee: No monthly fee.

Open your account at any of our convenient branch locations or call (877) 732-2848.

Call to Apply Visit a Branch
a man talking to his coworkers about sdccu self-employed IRA options

Self Employed IRAs

A SEP IRA is a pension plan established by a business whereby the contributions are deposited into an IRA and are tax deductible by the employer. Any employer, including a sole proprietor with no employees, can establish a SEP for themselves or for the benefit of all eligible employees. Contribution limits may vary. Check with your tax advisor.

Open your account at any of our convenient branch locations or call (877) 732-2848.

Call to Apply Visit a Branch
a man talking to his coworkers about sdccu self-employed IRA options

¹Must maintain a $1 savings balance.
In compliance with Federal Banking Regulation D, telephone and automated savings withdrawals are limited to comply with the regulation. During any calendar month, you may not make more than six withdrawals or transfers to another SDCCU account of yours or to a third party by means of a pre-authorized or automatic transfer, telephonic order or instruction. If you use automated methods to make transfers or withdrawals from savings, fewer than six telephone or home banking transfers or withdrawals are allowed. Automated methods include overdraft protection transfers to checking accounts and automatic withdrawals made through the Automated Clearing House (ACH) or pre-authorized draft withdrawals (i.e., bill payment, insurance premiums).