Alert Icon
All SDCCU branches and Call Center will be closed on Monday, May 27, 2024 in observance of Memorial Day. Our 30,000 ATMs and mobile and online banking are available for your convenience.
All SDCCU branches and Call Center will be closed on Monday, May 27, 2024 in observance of Memorial Day. Our 30,000 ATMs and mobile and online banking are available for your convenience.
ATMS & BRANCHES
LOG IN

Certificate Accounts

OPEN AN ACCOUNT TODAY

Start growing your money today.

Dividend rates, APYs and terms subject to change without notice.

Certificate Accounts

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 View Rates
Certificate Accounts
IRA Certificates

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 View Rates

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 money order to:
      San Diego County Credit Union
      Attn: Deposits, Payments or Payoffs
      P.O. Box 269040
      San Diego, CA 92196-9040


For more information, call (877) 732-2848.



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.

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. These products and promotional certificates listed above are not available for chartered financial institutions or accounts. 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 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 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. 

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.

san diego's best

Be a Part of San Diego's
BEST Credit Union

Why Bank at SDCCU?

Apply for a Loan

Thanks for applying for a loan with SDCCU!
Before we continue, please answer the following questions:

Welcome to SDCCU

Before we continue, please answer the following questions:


Are you a current SDCCU member?
What will you be applying for?
GO
Thanks for applying for a business loan with SDCCU!
Before we continue, please answer the following questions:

What will you be applying for?
GO

By clicking the "Go" button below, you acknowledge that you are leaving sdccu.com and going to a third party website. You are entering a website which has separate privacy and security policies. SDCCU® is not responsible or liable for any content, products, services, privacy and security or external links on the third party's website.