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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 43 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 offers. **APY = Annual Percentage Yield. APY and term for 25-month certificate and 25-month IRA certificate accurate as of 2/21/18 and subject to change without notice. Minimum opening balance of $2,000 for 25-month certificate and 25-month IRA certificate to earn 1.55% APY. APY and term for 13-month certificate and 13-month IRA certificate accurate as of 2/21/18 and subject to change without notice. Minimum opening balance of $2,000 for 13-month certificate and 13-month IRA certificate to earn 1.25% APY. Minimum balance to open any certificate at SDCCU is $2,000. Early withdrawal penalty applies to all certificates. 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.

Why People Love Us

SDCCU Reviews

"I love SDCCU and recommend them to everyone I know. I would never switch to another bank for my financial needs as I always get great, friendly service. Keep up the great work!" Vanessa A., 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 43 branch locations in San Diego, Riverside and Orange counties. Open an account today.

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