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Certificate Accounts

See Your Savings Soar with a SDCCU Certificate or IRA Certificate

For a limited time only! 

SDCCU's Sky-High Certificates will help your savings soar with its high savings rates and low minimum balances. This is a limited time offer. 

Promotional Certificate

Term1
(# 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     
7-Month Bump 
Up Certificate
2 
3.93%4.00%3.93%4.00%3.93%4.00%
  • Low minimum balance
  • Stable, secure investment
  • No set up, annual or maintenance fees
  • Get guaranteed returns


To view more great rates, visit our Certificate and IRA Rates page.

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 (Must be funded within 7 calendar days):
  • 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 or money order to:

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

You may also visit your nearest branch or call (877) 732-2848.


Membership required. Limited time offer.

1APY = Annual Percentage Yield. APY and all terms accurate as of March 1, 2024 and subject to change without notice. Minimum opening balance of $2,000 for a 7-month Bump Up certificate or IRA certificate to earn 4.00% APY.  Early withdrawal penalty applies to all certificates. Fees could reduce earnings. Certificates must be funded within 7 calendar days. Any accounts not funded within that time will be automatically closed. Upon maturity, the 7-month Bump Up certificate will automatically renew to a non-promotional 6-month certificate at the rate then offered by SDCCU. Institutional deposits are limited to $2 million per chartered financial institution. This promotional rate is available online, by phone (877) 732-2848 or at any of our convenient branch locations. Consult your tax advisor.

2Accountholders may "bump up" one time during the initial promotional term to the current non-promotional 6-month SDCCU certificate rate. Business accounts not eligible. IRA certificates not available online.

Early Withdrawal Penalties – A penalty will apply for principal withdrawals of certificate made prior to maturity. If the account has an original term of greater than one year, the penalty equals up to 180 days’ dividends. If the account has an original term of less than one year, the penalty equals up to 90 days’ dividends. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU, for members 73 and over, 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.

Minimum opening deposit to earn stated rate.

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