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 >>
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HOT Certificate Rates

SDCCU Certificate or IRA Certificate


Limited Time Only!

 

2.00% APY*

15-Month Certificate or IRA Certificate
$2,000 minimum balance


• Stable, secure investment
• No set up, annual or maintenance fees


Limited time offers. *APY =  Annual Percentage Yield. APY and term for 15-month certificate and 15-month IRA certificate accurate as of 8/3/18 and subject to change without notice. Minimum opening balance of $2,000 for 15-month certificate and 15-month IRA certificate to earn 2.00% APY. 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.

Early Withdrawal Penalties – A penalty will apply for principal withdrawals of certificate made prior to maturity. If the account has an original term of one year or less, the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members 70-1/2 and over, or as required by law. Refer to your plan disclosure and consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may apply.