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Certificate Accounts

Earn When You Save

Earn 1.55% APY* on a 25-Month Certificate or IRA Certificate or 1.25% APY* on a 13-Month Certificate or IRA Certificate

*LEARN MORE

Start growing your money today.

family enjoying time by the lake enjoying savings with sdccu certificate

Promotional Certificates

Earn When You Save with a SDCCU Certificate
1.55% APY*
25-Month Certificate or IRA Certificate
$2,000 minimum balance

1.25% APY*
13-Month Certificate or IRA Certificate
$2,000 minimum balance

Open an Account Visit a Branch
family enjoying time by the lake enjoying savings with sdccu certificate

Certificate Accounts

Short-term certificate: Earn a quick return on your investment, generally payable or reaching maturity in less than one year.

Long-term certificate: Invest your money securely for longer than one year and receive a higher rate of return.

Minimum opening deposit: $2,000

Open an Account Visit a Branch
older couple enjoying their retirement thanks to sdccu ira retirement account

IRA Certificates

Depending on your needs and goals, a SDCCU Individual Retirement Account (IRA) certificate may be the right retirement investment option for you.

IRA Certificates may provide tax-deferred or tax-free savings and offer advantages for employed individuals regardless of income level. Consult your tax advisor.

Minimum opening deposit: $2,000

Open an Account Visit a Branch
older couple enjoying their retirement thanks to sdccu ira retirement account

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about NCUA Insurance.

Early withdrawal fee applies. This product is not available for chartered financial institutions.

*APY = Annual Percentage Yield. APY and term for 25-month certificate and 25-month IRA certificate accurate as of 2/21/18 and subject to change without notice. Minimum opening balance of $2,000 for 25-month certificate and 25-month IRA certificate to earn 1.55% APY. APY and term for 13-month certificate and 13-month IRA certificate accurate as of 2/21/18 and subject to change without notice. Minimum opening balance of $2,000 for 13-month certificate and 13-month IRA certificate to earn 1.25% APY. Minimum balance to open any certificate at SDCCU is $2,000. Early withdrawal penalty applies to all certificates. Fees could reduce earnings. These certificates will automatically renew to a non-promotional certificate upon maturity. These products are not available for business accounts or chartered financial institutions. Certificates maturing during the promotional period will not automatically renew to the promotional rate. You must call (877) 732-2848 or visit any of our convenient branch locations to take advantage of this promotional rate on new and/or renewing certificates. Consult your tax advisor.

WHAT PEOPLE ARE SAYING

“I have never been treated so nicely and felt as welcome to a financial institution as I have been at SDCCU. Now I know the difference it makes walking through the doors and being greeted and acknowledged as a guest and not a number. All the staff are so helpful and friendly. I will never go back to a regular bank!”

Bruce A.

 
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Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?
san diego's best

Be a Part of San Diego’s
BEST Credit Union

Why Bank at SDCCU?