Share Certificate Accounts
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
No set-up, maintenance, annual or distribution fees
View our certificate rates
Open an account online or visit any of our 42 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.
**APY = Annual Percentage Yield. APY and term accurate as of 8/28/17 and subject to change without notice. Minimum opening balance of $2,000 to earn 1.18% APY. Minimum balance to open any certificate at SDCCU is $2,000. Early withdrawal penalty applies. 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.
*APY = Annual Percentage Yield. APY and term accurate as of 6/23/16 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.