Certificate Accounts

For a limited time only! 

SDCCU's Sky-High Certificates will help your savings soar with its high savings rates, low minimum balances and short terms. Our current 5-month promotional certificate rate is more than 3 times the national average¹! This is a limited time offer. 

5- and 13-Month Promotional Certificates 

• Low minimum balance
• Stable, secure investment
• No set up, annual or maintenance fees
• Get guaranteed returns

To view more great rates, visit our Certificate and IRA Rates page.

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 (Must be funded within 7 calendar days):

• 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

You may also visit your nearest branch or call (877) 732-2848.

Membership required. Limited time offer.

¹The 4.00% APY 5-month promotional certificate is compared to the average rate of the similar 6-month certificate displayed in the FDIC website (Source: S&P Capital IQ Pro; SNL Financial Data) at  https://www.fdic.gov/resources/bankers/national-rates/index.html listed under National Deposit Rates² as of May 15, 2023

²APY = Annual Percentage Yield. APY and all terms accurate as of April 21, 2023 and subject to change without notice. Minimum opening balance of $2,000 for 5-month certificate or IRA certificate to earn 4.00% APY. Minimum opening balance of $2,000 for 13-month certificate or IRA certificate to earn 4.40% APY. Early withdrawal penalty applies to all certificates. Fees could reduce earnings. Certificates must be funded within 7 calendar days. Any accounts not funded within that time will be automatically closed. Upon maturity, the 5-month certificate will automatically renew to a non-promotional 3-month certificate at the rate then offered by SDCCU and the 13-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Institutional deposits are limited to $2 million per chartered financial institution. This promotional rate is available online, by phone (877) 732-2848 or at any of our convenient branch locations. IRA and Business certificates not available online. 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 73 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.

Minimum opening deposit to earn stated rate.