Phone and text scams are on the rise. Never give your account number, PIN or any other personal financial information to an unknown caller or suspicious text message. Please visit our Ways to Prevent Identity Theft page for details on phishing/vishing/smishing and additional ways to protect yourself and personal information.  ×

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
  • 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 34 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. APYs and terms accurate as of 6/1/14 and subject to change. *Minimum opening balance of $10,000 to earn 1.01% APY, maximum $89,999. Minimum balance to open other certificates at SDCCU is $2,000. 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. 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. Consult your tax advisor.
*APY = Annual Percentage Yield. APY and term accurate as of 3/5/14 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. Limited time offer.
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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 34 branch locations in San Diego, Riverside and Orange counties. Open an account today.

30,000 surcharge-FREE ATMs

30,000 Surcharge-FREE ATMs

Access your money anywhere with 30,000 surcharge-FREE co-op ATMs nationwide.
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5/5 ARM

No Closing Costs

5/5 ARM Home Loan
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Auto Buying Service

Let SDCCU Do The Work!

You provide the details of the car you want and we'll locate it, negotiate the price and coordinate delivery for you – at no cost.
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0% Intro APR

0% Intro APR* on Balance Transfers

Good through May 1, 2015 on balance transfers made by October 1, 2014.
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SDCCU Mobile Deposit

Deposit checks from your smart phone in real time.
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