SDCCU is dedicated to personal and business banking. Its primary goal is to provide the products, services, and expertise to fulfill financial needs.

Whether you are buying a home or car, expanding a business, or paying off debt, it can help you put together something that works to achieve these goals. Moreover, the bankers are dedicated community members who know how much financing can remove barriers to success.

Let’s discuss the SDCCU CD Rates in detail so that one can have a more justified overview of its banking approach.

SDCCU CD Rates Offers

The promotional SDCCU CD Rates along with its CD term, minimum deposit, and Annual Percentage Yield are as follows.

7-Month Bump Up Certificate

  • Term Length: 35 months
  • Minimum Deposit:
    • $2,000.00 – $9,999.99
    • $10,000.00 – $89,999.99
    • $90,000.00 and above
  • Rates:
    • APY: 4.00%
    • Dividend Rate: 3.93%
  • Security: FDIC-insured for peace of mind.


  1. Commit to a 7-month term for optimal returns.
  2. Take advantage of one-time rate increase if interest rates rise.
  3. Understand potential penalties for withdrawing funds before maturity.

Pros & Cons

Competitive RatesEarly Withdrawal Penalties
Flexible Deposit TiersCommitment to a 7-month Lock-in Period

Are SDCCU CD Rates Competitive?

SDCCU’s 7-month Promotional Certificate stands out in the competitive landscape of financial institutions with its compelling features. Offering a competitive Annual Percentage Yield, it presents an attractive opportunity for individuals seeking to grow their savings.

The flexibility of deposit tiers caters to a diverse range of investors, allowing them to capitalize on tailored rates based on deposit amounts. Furthermore, the FDIC insurance provides an added layer of security.

While the 35-month commitment might be perceived as a drawback for those seeking more short-term options, the potential for higher earnings and the convenience of tiered rates make SDCCU offering noteworthy in comparison to other financial institutions.

The institution’s commitment to providing competitive rates, coupled with its focus on flexibility and security, positions its 35-month Promotional Certificate as a compelling choice for individuals looking to optimize their savings strategy.

Overview SDCCU 

SCDDU was founded in 1938 with the principle that people come first, and profits come second. We have many partnerships with non-profit organizations, community education organizers, and organizations promoting public awareness of issues. We helped start the San Diego County Credit Union Poinsettia Bowl in 2005, with $1 of all ticket sales going to a local non-profit, resulting in thousands of dollars helping to improve countless lives. We also donated $48,500 to Biz Kids, an organization that teaches kids about money and investing to help them for a future in which they can build wealth.

One of our favorite things is our SDCCU Classroom Heroes program which provides $500 VISA gift cards to 10 nominated teachers throughout the counties we serve.


SDCCU only requires you to become a member of our credit union and open a checking account or savings account to begin your certificate of deposit.

Locations SDCCU 

We have 34 branches located around San Diego, Riverside, and Orange countries. Our branches are close enough together that you won’t have to worry about finding a convenient location to speak to a banker or find an ATM.

Frequently Asked Questions

What is the minimum deposit required to open this certificate?

The minimum deposit varies based on the desired tier:

$2,000.00 – $9,999.99
$10,000.00 – $89,999.99
$90,000.00 and above

Can I withdraw my funds before the 7-month maturity period?

Yes, you can, but early withdrawal penalties may apply.

Are there different dividend rates for various deposit tiers?

Yes, SDCCU offers tiered dividend rates based on the deposit amount. Higher deposits may qualify for more favorable rates, providing added benefits for larger investments.

How can I monitor the performance of my 7-month Promotional Certificate?

SDCCU provides convenient online and mobile banking platforms, allowing you to easily monitor your certificate’s performance, check balances, and stay updated on your savings progress.