SDCCU will be closed on Monday, May 27 in observance of Memorial Day.
Our 30,000 surcharge-FREE CO-OP ATMs, mobile banking, SDCCU Mobile Deposit and Internet Branch online banking are available for your convenience.
SDCCU will be closed on Mon, May 27 in observance of Memorial Day.

Sweet Certificate Accounts

SDCCU Certificate or IRA Certificate

Limited Time Only!


2.50% APY*

16-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 16-month certificate and 16-month IRA certificate accurate as of 4/1/19 and subject to change without notice. Minimum opening balance of $2,000 for 16-month certificate and 16-month IRA certificate to earn 2.50% APY. Early withdrawal penalty applies to all certificates. Fees could reduce earnings. Upon maturity, these certificates will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. 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 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.