Certificate Accounts

SDCCU Certificate or IRA Certificate


Short & Sweet 6-Month Certificates

For a limited time only! SDCCU’s 6-month certificates are in the sweet spot with shorter terms and sweet rates. 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-Tribune Readers Poll.

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

3.00% APY*

6-Month Certificate or IRA Certificate
$10,000 minimum balance

3.25% APY*

6-Month Certificate or IRA Certificate
$90,000 minimum balance

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. ¹APY = Annual Percentage Yield. APY and all terms accurate as of December 1, 2022 and subject to change without notice. Minimum opening balance of $10,000 for 6-month certificate and 6-month IRA certificate to earn 3.00% APY. Minimum opening balance of $90,000 for 6-month certificate and 6-month IRA certificate to earn 3.25% APY. Early withdrawal penalty applies to all certificates. Institutional deposits are limited to $2 million per chartered financial institution. Fees could reduce earnings. Call (877) 732-2848 or visit any of our convenient branch locations to take advantage of these rates. 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. 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.

Minimum opening deposit to earn stated rate.