Or visit one of our 39 locations
Or visit one of our 39 locations
Effective
July 18, 2025
and subject to change.
View a printable PDF.
| 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 | |
| 7-Month Certificate1 | 3.45% | 3.51% | 3.45% | 3.51% | 3.45% | 3.51% |
| Term (# of Months) | $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% |
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. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Institutional deposits are limited to $2 million per chartered financial institution. Certificates must be funded within within 7 calendar days. Any account not funded within that time will be automatically closed. Fees incurred could reduce earnings on the account. 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.
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.
1Upon 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.
| Average Daily Balance To Earn APY | Dividend Rate | APY |
| $1,000,000.00 + | 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.
| Account Type | Average Daily Balance To Earn APY | Dividend Rate | APY |
| 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% | |
| Business Sweep Savings | $100,000.00 + | 0.03% | 0.03% |
| $50,000.00 - $99,999.99 | 0.03% | 0.03% | |
| $25,000.00 - $49,999.99 | 0.02% | 0.02% | |
| $10,000.00 - $24,999.99 | 0.02% | 0.02% | |
| $5,000.00 - $9,999.99 | 0.02% | 0.02% | |
| $100.00 - $4,999.99 | 0.02% | 0.02% | |
| Primary Savings | $100.00 + | 0.05% | 0.05% |
| Special Savings | $100.00 + | 0.05% | 0.05% |
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Open an account online to become a member.
Once you are a member, apply for your credit card through Internet Branch online banking.
Open Account
There are many convenient branch locations throughout Southern California.
Find Branch
Thank you for your interest in applying for a low-rate auto loan from SDCCU. You can apply by one of the convenient ways below.
Visit a Dealership.
When you’re at the franchise dealership, tell them you want to finance through SDCCU. Upon approval, they can set you up for membership and complete your loan on the spot.
There are many convenient branch locations throughout Southern California.
Find Branch
Open an account online to become a member.
Once you are a member, apply for your auto loan through Internet Branch online banking.
Open Account
Thank you for your interest in applying for a personal loan from SDCCU. You can apply by one of the convenient ways below.
Open an account online to become a member.
Once you are a member, apply for your personal loan through Internet Branch online banking.
Open Account
There are many convenient branch locations throughout Southern California.
Find Branch
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