Certificate Accounts

SDCCU Certificate or IRA Certificate

Limited Time Only!

2.25% APY*

26-Month Online Certificate or IRA Certificate
$10,000 minimum balance
Available online only

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

Get guaranteed returns. Invest your money safely with SDCCU, voted San Diego's Best Credit Union 23 years in a row in the San Diego's BEST Union-Tribute Readers Poll.

Open your account in 3 easy steps
  1. Click the Open an Account button below
  2. Select $1 savings account, enter your information and submit the application.
  3. Transfer your funds:
  • Make a wire transfer: Simply provide your account number and the nine-digit routing number found on your check or deposit slip.
  • Mail a check or money order to:

San Diego County Credit Union
Attn: Deposits, Payments or Payoffs
P.O. Box 269040
San Diego, CA 92196-9040

Limited time offers. Membership required. *APY = Annual Percentage Yield. APY and term for 26-month certificate accurate as of 8/3/2022 and subject to change without notice. Minimum opening balance of $10,000 for 26-month certificate to earn 2.25% APY. Early withdrawal penalty applies to all certificates. Fees could reduce earnings. Upon maturity, these certificates will automatically renew to a non-promotional 24-month certificate at the rate then offered by SDCCU. Certificates maturing during the promotional period will not automatically renew to the promotional rate. This promotional rate is available online only. Business accounts and chartered financial institutions are not eligible for this promotion. 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 72 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.