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Effective December 10, 2024 and subject to change. View a printable PDF. | Open An Account |
Place your funds in a stable, secure account with SDCCU. Use a checking account for your everyday banking needs with a local credit union that understands your needs. Invest your funds in a great rate savings, money market, certificate or IRA certificate account and watch your money grow.
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.
Term (# of Months) | Minimum Deposit Ranges To Earn APY | |||||
$2,000.00 - $9,999.99 | $10,000.00 - $89,999.99 | $90,000.00 + | ||||
Dividend Rate | APY | Dividend Rate | APY | Dividend Rate | APY | |
60 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
48 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
36 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
24 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
18 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
12 | 1.49% | 1.50% | 1.49% | 1.50% | 1.49% | 1.50% |
6 | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
3 | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
Term (# of Months) | Minimum Deposit Ranges To Earn APY | |||||
$2,000.00 - $9,999.99 | $10,000.00 - $89,999.99 | $90,000.00 + | ||||
Dividend Rate | APY | Dividend Rate | APY | Dividend Rate | APY | |
60 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
48 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
36 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
24 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
18 | 1.74% | 1.75% | 1.74% | 1.75% | 1.74% | 1.75% |
12 | 1.49% | 1.50% | 1.49% | 1.50% | 1.49% | 1.50% |
6 | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
3 | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% |
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 financial institution. 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.
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.
Average Daily Balance To Earn APY | Dividend Rate | APY |
$1,000,000 + | 0.70% | 0.70% |
$500,000.00 - $999,999.99 | 0.60% | 0.60% |
$225,000.00 - $499,999.99 | 0.50% | 0.50% |
$100,000.00 - $224,999.99 | 0.40% | 0.40% |
$50,000.00 - $99,999.99 | 0.25% | 0.25% |
$25,000.00 - $49,999.99 | 0.25% | 0.25% |
$10,000.00 - $24,999.99 | 0.00% | 0.00% |
$5,000.00 - $9,999.99 | 0.00% | 0.00% |
$100.00 - $4,999.99 | 0.00% | 0.00% |
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.
Average Daily Balance To Earn APY | Dividend Rate | APY |
$1,000,000 + | 2.08% | 2.10% |
$500,000.00 - $999,999.99 | 1.84% | 1.86% |
$225,000.00 - $499,999.99 | 1.59% | 1.60% |
$100,000.00 - $224,999.99 | 0.00% | 0.00% |
$50,000.00 - $99,999.99 | 0.00% | 0.00% |
$25,000.00 - $49,999.99 | 0.00% | 0.00% |
$10,000.00 - $24,999.99 | 0.00% | 0.00% |
$5,000.00 - $9,999.99 | 0.00% | 0.00% |
$100.00 - $4,999.99 | 0.00% | 0.00% |
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 annual percentage yield (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.
Account Type | Average Daily Balance To Earn APY | Dividend Rate | APY |
High-Yield Checking | $500,000.00 + | 0.05% | 0.05% |
$225,000.00 - $499,999.99 | 0.05% | 0.05% | |
$100,000.00 - $224,999.99 | 0.03% | 0.03% | |
$50,000.00 - $99,999.99 | 0.03% | 0.03% | |
$25,000.00 - $49,999.99 | 0.03% | 0.03% | |
$10,000.00 - $24,999.99 | 0.00% | 0.00% | |
$5,000.00 - $9,999.99 | 0.00% | 0.00% | |
$100.00 - $4,999.99 | 0.00% | 0.00% | |
Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $25,000 in this SDCCU account to avoid a monthly fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a monthly fee for that month. You must maintain a minimum average daily balance of $100 in this SDCCU account to earn the APY disclosed above. Learn more about SDCCU High-Yield Checking Accounts. | |||
Money Market & IRA Money Market | $100,000.00 + | 0.20% | 0.20% |
$50,000.00 - $99,999.99 | 0.15% | 0.15% | |
$25,000.00 - $49,999.99 | 0.05% | 0.05% | |
$10,000.00 - $24,999.99 | 0.05% | 0.05% | |
$5,000.00 - $9,999.99 | 0.05% | 0.05% | |
$100.00 - $4,999.99 | 0.05% | 0.05% | |
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 APY disclosed above. Learn more about SDCCU Money Market Accounts. | |||
Savings | $100.00 + | 0.05% | 0.05% |
IRA Savings | $100.00 + | 0.03% | 0.03% |
Minimum Balance Requirements: The minimum balance required to open this account is $1. You must maintain a minimum average daily balance of $1 in this SDCCU account to avoid a Primary savings account with less than $1 fee. You must maintain a minimum average daily balance of $100 in this SDCCU account to earn the APY disclosed above. Learn more about SDCCU Savings Accounts. | |||
Classic Checking | $1,500.00 + | 0.01% | 0.01% |
Minimum Balance Requirements: The minimum balance required to open this account is $25. You must maintain an average minimum daily balance of $1,000, a combined average daily savings balance of $2,500 or have a direct deposit of $100 or more per pay period during the month to avoid a monthly fee. You must maintain a minimum average daily balance of $1,500 in this SDCCU account account to obtain the APY disclosed above. Learn more about SDCCU Classic Checking Accounts. | |||
FREE Checking with eStatements | $0.00 + | N/A | N/A |
Minimum Balance Requirements: The minimum balance required to open this account is $25. Learn more about SDCCU Free Checking Accounts. |
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 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.
For more information, call (877) 732-2848.
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