Certificate Accounts

SDCCU Certificate or IRA Certificate
For a limited time only! 

4.36% APY*

13-Month Certificate or IRA Certificate
$2,000 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:
  • 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 offers
*APY = Annual Percentage Yield. APY and all terms accurate as of January 13, 2023 and subject to change without notice. Minimum opening balance of $2,000 for 13-month certificate or IRA certificate to earn 4.36% APY. Early withdrawal penalty applies to all certificates. Fees could reduce earings. Upon maturity, these certificates will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Institurtional deposits are limited to $2 million per chartered financial institution. Certificates maturing during the promotional period will not automatically renew to the promotional rate. 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, 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.