Business Deposit Rates

Promotional Certificate Rates¹

Certificates

All dividend rates and Annual Percentage Yields (APYs) published above are the anticipated rates and yields. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Deposits using cryptocurrencies are not eligible. Certificates must be funded within 7 calendar days. Any account not funded within that time will be automatically closed. Fees incurred could reduce earnings on the account. Your funds at SDCCU are federally insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA.  

Early Withdrawal Penalties – A penalty will apply for principal withdrawals of a 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. Penalties for early withdrawal may be applied against principal thereby reducing the principal balance. 

¹Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. 
²Upon maturity, the 7-month certificate will automatically renew to a non-promotional 6-month certificate at the rate then offered by SDCCU. IRA and Business certificates not available online. 
³Upon maturity, the 13-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. IRA and Business certificates not available online. 

Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $100 in this SDCCU account to earn the annual percentage yield (APY) disclosed above.