Credit union · NCUA insured
San Diego County Credit Union CD Rates
San Diego County Credit Union’s best CD rate is 3.25% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How San Diego County Credit Union’s CD rates compare
Compared with banks and credit unions near San Diego, CA, where San Diego County Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
San Diego County Credit Union
3.25%APY
- Term
- 15 months
- Minimum
- $2,000
- Earns on $10,000
- $408
Promotional Certificate
Top rate
California Credit Union
4.50%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $488
2nd-highest rate
San Diego Firefighters Federal Credit Union
4.45%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $445
San Diego County Credit Union CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.15%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo1.75%
- QualifiedQualified3.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where San Diego County Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promotional Certificate
Up to 3.25%APY · 2 terms
Deposits by foundations (i.e., nonprofit organizations, charities, etc.) are not eligible. Not available for chartered financial institutions or accounts. Deposits using cryptocurrencies are not eligible. Institutional deposits are limited to $2 million per chartered retail financial institution (excluding digital assets) and only available to retail financial institutions with less than $1 billion in total assets as of March 31, 2026. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty applies.
| Term | APY · $2,000 – $10,000 | APY · $10,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 7 monthsUpon maturity, the 7-month certificate will automatically renew to a non-promotional 6-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 90 days' dividends | 3.15% | 3.15% | 3.15% | 3.15%3.15% $2k–$10k3.15% from $90k | $183 |
| 15 monthsUpon maturity, the 15-month certificate will automatically renew to a non-promotional 12-month certificate at the rate then offered by SDCCU. Available online and in-branch. Early withdrawal penalty: 180 days' dividends | 3.25% | 3.25% | 3.25% | 3.25%3.25% $2k–$10k3.25% from $90k | $408 |
Sources (3)
All captured Sep 16, 2026
Certificate Account
Up to 1.75%APY · 8 terms
Minimum opening deposit: $2,000 for long-term certificates. Additional funds cannot be added during the term. APYs assume dividends remain in the account until maturity. Certificates must be funded within 7 calendar days or will be automatically closed. Early withdrawal penalty: 90 days' dividends for terms of 1 year or less, 180 days' dividends for terms greater than 1 year.
| Term | APY · $2,000 – $10,000 | APY · $10,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 days' dividends | 1.00% | 1.00% | 1.00% | 1.00%1.00% $2k–$10k1.00% from $90k | $25 |
| 6 monthsEarly withdrawal penalty: 90 days' dividends | 1.00% | 1.00% | 1.00% | 1.00%1.00% $2k–$10k1.00% from $90k | $50 |
| 12 monthsEarly withdrawal penalty: 90 days' dividends | 1.50% | 1.50% | 1.50% | 1.50%1.50% $2k–$10k1.50% from $90k | $150 |
| 18 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $264 |
| 24 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $353 |
| 36 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $534 |
| 48 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $719 |
| 60 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $906 |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
IRA Certificate
Up to 1.75%APY · 8 terms
Minimum opening deposit: $2,000. One time contribution. Must maintain a $1 savings balance. Penalty-free withdrawals are allowed for required minimum distribution (RMD) of IRA certificate funds held at SDCCU for members who have reached mandatory distribution age or as required by law. Early withdrawal penalty: 90 days' dividends for terms of 1 year or less, 180 days' dividends for terms greater than 1 year. IRA certificates not available online for promotional terms.
| Term | APY · $2,000 – $10,000 | APY · $10,000 – $90,000 | APY · $90,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 days' dividends | 1.00% | 1.00% | 1.00% | 1.00%1.00% $2k–$10k1.00% from $90k | $25 |
| 6 monthsEarly withdrawal penalty: 90 days' dividends | 1.00% | 1.00% | 1.00% | 1.00%1.00% $2k–$10k1.00% from $90k | $50 |
| 12 monthsEarly withdrawal penalty: 90 days' dividends | 1.50% | 1.50% | 1.50% | 1.50%1.50% $2k–$10k1.50% from $90k | $150 |
| 18 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $264 |
| 24 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $353 |
| 36 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $534 |
| 48 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $719 |
| 60 monthsEarly withdrawal penalty: 180 days' dividends | 1.75% | 1.75% | 1.75% | 1.75%1.75% $2k–$10k1.75% from $90k | $906 |
Who can join San Diego County Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to everyone living or working throughout Southern California: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties.
Employers and groups
- Membership is open to anyone who joins the Financial Fitness Association for an $8 fee.
Family and household
- Membership is open to any immediate family or household member of a SDCCU member.
Cost to join
- A $1 savings account opening deposit/selection to establish membership.
- A low $8 fee to join the Financial Fitness Association.
Membership information collected October 5, 2026.