Consumer Deposit Account Interest Rates

SDCCU offers competitive rates on a variety of IRA and Certificate accounts, helping you grow your savings. Whether you have new funds or existing funds already at SDCCU, there are options available to help you maximize your savings. For those looking to save for retirement, our IRA certificates provide a secure way to build your future with tax advantages. Explore our IRA and Certificate rates below. 

Promotional Certificate Rates¹

Certificate Rates

IRA Certificate Rates (IRA Certificate)

APY=Annual Percentage Yield. All dividend rates and Annual Percentage Yields (APYs) published above for certificates are the anticipated rates and yields for the current period. APYs assume that dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change without notice. 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. Fees could reduce earnings. Certificates must be funded within 7 calendar days. Any accounts not funded within that time will be automatically closed. Consult your tax advisor. 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. For business savings rates, visit our Business Deposit Rates page.

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. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members who have reached the mandatory distribution age, or as required by law. Refer to your certificate account 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.

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. 

Learn more about SDCCU IRA Retirement and Certificate Accounts.

SDCCU's Great Rate Savings account offers competitive rates with no monthly fees, providing a secure way to grow your savings while keeping your funds easily accessible. Explore our current rates for a Great Rate Savings account below.

APY = Annual Percentage Yield.

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.

SDCCU's High-Balance Savings account allows you to earn a greater rate of return on your savings while maintaining easy access to your funds. With no monthly fees and higher rates for larger balances, this account is designed to reward you for saving more. Explore our current High-Balance Savings account rates below.

APY = Annual Percentage Yield.

Minimum Balance Requirements: The minimum balance required to open this account is $25,000. You must maintain a minimum average daily balance of $225,000 in this SDCCU account to earn the APY disclosed above.

Learn more about SDCCU Savings Accounts.

SDCCU offers a variety of account options, including checking, money market and savings accounts, all designed to fit your financial needs. Whether you're looking for liquidity with a money market account or the simplicity of a checking or savings account, you'll find competitive rates and no monthly fee options. Explore our current rates below.

_{All dividend rates and APYs published above are the anticipated rates and yields. See your account disclosure for complete details. Dividend rates, APYs and terms subject to change without notice. These products are not available for chartered financial institutions or business accounts. Fees incurred could reduce earnings on the account. Please see our separate Consumer Services Fee Schedule for current fees that may apply. 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.}