Share Certificate Accounts

1.75% APY¹ with an active SDCCU checking account
(1.50% APY¹ without an active SDCCU checking account)
16-Month Reward Certificate 
$2,000 minimum balance
$250,000 maximum balance

  • Get the higher rate with an active SDCCU checking account²
  • Limit one per member
  • Same rate for all tiers
  • No set up, annual or maintenance fees

You must call (877) 732-2848 or visit one of our convenient branch locations to take advantage of these promotional rates. Hurry this is for a limited time so open your promotional certificate, today!

You’re smart and you want to make smart investments. A San Diego County Credit Union share certificate or IRA certificate is a “no-brainer” solution. San Diego County Credit Union share certificate accounts are similar to what banks commonly refer to as a CD or Certificate of Deposit.
 
With a certificate account from SDCCU, you are guaranteed an exact return on your investment for a specified term as a result of fixed dividend rates. Choose from 3- to 60-month term share certificates with great rates, depending on your investment strategy. Open a regular certificate account or choose an IRA certificate to help you save for retirement. San Diego County Credit Union certificate accounts are federally insured by the NCUA so your money is invested securely.

  • Fixed terms of three months to five years
  • FREE Internet Branch online banking
  • FREE eStatements
  • Automatic reinvestment
  • No set-up, maintenance, annual or distribution fees
  • View our certificate rates

Open an account online or visit any of our 38 branch locations!


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 fee applies. This product is not available for chartered financial institutions.
Limited time offer. 1APY = Annual Percentage Yield. APYs and terms accurate as of 8/26/15 and subject to change without notice. Minimum balance to open any certificate at SDCCU is $2,000. Early withdrawal penalty applies. Fees incurred could reduce earnings on the account. These certificates will automatically renew to a non-promotional certificate upon maturity. Certificates maturing during the promotional period will not automatically renew to the promotional rate. You must call (877) 732-2848 or visit one of our convenient branch locations to take advantage of these promotional rates on new and/or renewing certificates. This product not available for chartered financial institutions or business accounts. Minimum $2,000 and active checking account to earn 1.75% APY. 1.50% APY without an active SDCCU checking account. The new higher dividend rate and corresponding APY will then be in effect through the remainder of the term. The rate increase will not alter the scheduled maturity date. Limit one 16-Month Reward Certificate/IRA Certificate per member with a maximum deposit of $250,000. The 1.75% APY may be less depending on when the checking account becomes active. 20.25% will be added to the dividend rate for each month during the initial term of the certificate when your SDCCU checking account is validated as active, provided your checking account becomes active in the first 90 calendar days of the term of the certificate. Activity may occur in any SDCCU checking account listed under your Social Security Number (SSN). A checking account is considered active when at least two of the following criteria are completed within the same calendar month: 1. Recurring direct deposits (at least two (2) consecutive direct deposits of at least $250. For monthly direct deposits, a direct deposit in the preceding month will count to satisfy this criteria.); 2. Three (3) posted Bill Payer Plus transactions; and 3. Five (5) Visa® debit card transactions (excluding ATM transactions). The one-time rate increase will be effective on the first day of the calendar month that your checking account is validated as active or the open date of the certificate, for those with an existing active checking account.
*APY = Annual Percentage Yield. APY and term accurate as of 2/5/15 and subject to change. Minimum balance to open any certificate at SDCCU is $2,000. Minimum $10,000 to earn 1.50% APY, maximum $89,999. Accountholders may “bump up” one time during the initial promotional term to the then current 48-month SDCCU certificate rate. Early withdrawal penalty applies. These certificates will automatically renew to a non-promotional certificate upon maturity. These products are not available for chartered financial institutions or business accounts. Fees incurred could reduce earnings.
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Why People Love Us

SDCCU Reviews

"I have been a SDCCU member for many years and am still finding out about all of the great things that they do! My questions are answered promptly and in a way that helps me make better financial decisions." Marcus P., San DiegoMember since 2005

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 38 branch locations in San Diego, Riverside and Orange counties. Open an account today.


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