Credit union · NCUA insured
San Diego County Credit Union Savings Rates
San Diego County Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How San Diego County Credit Union’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $5
Money Market
Top rate
Axos Bank
5.00%APY
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
San Diego County Credit Union savings score
62
Savings score
Higher than 7% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Balance Savings
0.00%APY
Minimum average daily balance of $225,000 in SDCCU account to earn APY; minimum opening deposit is $25,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Average daily balance tier to earn APY: $100.00 - $4,999.99. | 0.00% | — | Average daily balance tier to earn APY: $100.00 - $4,999.99. |
| $5,000 – $10,000Average daily balance tier to earn APY: $5,000.00 - $9,999.99. | 0.00% | — | Average daily balance tier to earn APY: $5,000.00 - $9,999.99. |
| $10,000 – $25,000Average daily balance tier to earn APY: $10,000.00 - $24,999.99. | 0.00% | $0 | Average daily balance tier to earn APY: $10,000.00 - $24,999.99. |
| $25,000 – $50,000Average daily balance tier to earn APY: $25,000.00 - $49,999.99. | 0.00% | — | Average daily balance tier to earn APY: $25,000.00 - $49,999.99. |
| $50,000 – $100,000Average daily balance tier to earn APY: $50,000.00 - $99,999.99. | 0.00% | — | Average daily balance tier to earn APY: $50,000.00 - $99,999.99. |
| $100,000 – $225,000Average daily balance tier to earn APY: $100,000.00 - $224,999.99. | 0.00% | — | Average daily balance tier to earn APY: $100,000.00 - $224,999.99. |
| $225,000 – $500,000Average daily balance tier to earn APY: $225,000.00 - $499,999.99. | 2.40% | — | Average daily balance tier to earn APY: $225,000.00 - $499,999.99. |
| $500,000 – $1,000,000Average daily balance tier to earn APY: $500,000.00 - $999,999.99. | 2.40% | — | Average daily balance tier to earn APY: $500,000.00 - $999,999.99. |
| $1,000,000 and upAverage daily balance tier to earn APY: $1,000,000 +. | 2.55% | — | Average daily balance tier to earn APY: $1,000,000 +. |
Great Rate Savings
0.00%APY
Minimum average daily balance of $100 in SDCCU account to earn APY; minimum opening deposit is $5,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Average daily balance tier to earn APY: $100.00 - $4,999.99. | 0.00% | — | Average daily balance tier to earn APY: $100.00 - $4,999.99. |
| $5,000 – $10,000Average daily balance tier to earn APY: $5,000.00 - $9,999.99. | 0.00% | — | Average daily balance tier to earn APY: $5,000.00 - $9,999.99. |
| $10,000 – $25,000Average daily balance tier to earn APY: $10,000.00 - $24,999.99. | 0.00% | $0 | Average daily balance tier to earn APY: $10,000.00 - $24,999.99. |
| $25,000 – $50,000Average daily balance tier to earn APY: $25,000.00 - $49,999.99. | 0.25% | — | Average daily balance tier to earn APY: $25,000.00 - $49,999.99. |
| $50,000 – $100,000Average daily balance tier to earn APY: $50,000.00 - $99,999.99. | 0.25% | — | Average daily balance tier to earn APY: $50,000.00 - $99,999.99. |
| $100,000 – $225,000Average daily balance tier to earn APY: $100,000.00 - $224,999.99. | 0.40% | — | Average daily balance tier to earn APY: $100,000.00 - $224,999.99. |
| $225,000 – $500,000Average daily balance tier to earn APY: $225,000.00 - $499,999.99. | 0.50% | — | Average daily balance tier to earn APY: $225,000.00 - $499,999.99. |
| $500,000 – $1,000,000Average daily balance tier to earn APY: $500,000.00 - $999,999.99. | 0.60% | — | Average daily balance tier to earn APY: $500,000.00 - $999,999.99. |
| $1,000,000 and upAverage daily balance tier to earn APY: $1,000,000 +. | 0.70% | — | Average daily balance tier to earn APY: $1,000,000 +. |
Money Market
0.05%APY
Membership required: open to anyone living or working in Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties, immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee. Not available for chartered financial institutions or business accounts.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $5,000 – $10,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $10,000 – $25,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | $5 | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $25,000 – $50,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $50,000 – $100,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.15% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $100,000 and upMust maintain a minimum average daily balance of $100 to earn the APY. | 0.20% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
Sources (2)
All captured Oct 6, 2026
Primary Savings
0.05%APY
Must maintain a minimum average daily balance of $1 in SDCCU account to avoid a Primary savings account with less than $1 fee. Minimum average daily balance of $100 to earn APY. All customers are required to open and maintain a primary savings account with a minimum balance of $1.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance to earn APY: $100.00 +.$100 and up | 0.05% | $5 | Average daily balance to earn APY: $100.00 +. |
Special Savings
0.05%APY
Dedicated account to separate savings for long term goals (e.g. vacation savings, holiday savings). Must maintain a $1 savings balance. Minimum average daily balance of $100 in SDCCU account to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance to earn APY: $100.00+.$100 and up | 0.05% | $5 | Average daily balance to earn APY: $100.00+. |
Special-purpose accounts
IRA Money Market
0.05%APY
Membership required: open to anyone living or working in Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, or Ventura counties, immediate family/household members of a member, or by joining the Financial Fitness Association for an $8 fee. Not available for chartered financial institutions or business accounts. IRA deposits are separately federally insured to at least $250,000 by the NCUA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $5,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $5,000 – $10,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $10,000 – $25,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | $5 | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $25,000 – $50,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.05% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $50,000 – $100,000Must maintain a minimum average daily balance of $100 to earn the APY. | 0.15% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
| $100,000 and upMust maintain a minimum average daily balance of $100 to earn the APY. | 0.20% | — | Must maintain a minimum average daily balance of $100 to earn the APY. |
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.03%APY
Periodic contributions allowed. No set-up, maintenance, annual or distribution fees. Must maintain a $1 savings balance. Minimum average daily balance of $100 in SDCCU account to earn APY.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance to earn APY: $100.00 +.$100 and up | 0.03% | $3 | Average daily balance to earn APY: $100.00 +. |
Sources (2)
All captured Oct 6, 2026
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.