San Diego County Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, San Diego County Credit Union's highest tracked CD (share certificate) rate is 3.25% APY on a 15-month promotional CD ($2,000 minimum). That is 1.8 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.00% to 1.75% APY.
Tracking began .
San Diego County Credit Union CD & share certificate rates
Membership required. Standard certificates from 3 to 60 months and promotional certificates, quoted in $2,000, $10,000 and $90,000 balance tiers. IRA certificates are excluded. Promotional certificates renew into standard terms at maturity. Certificates must be funded within 7 calendar days. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate | $2,000same APY in 3 balance tiers | 1.00% | −3.29% | Top 81% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Certificate | $2,000same APY in 3 balance tiers | 1.00% | −3.40% | Top 90% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7-Month Certificate Promotional | $2,000same APY in 3 balance tiers | 3.15% | −1.28% | Verified October 22, 2026 |
| 12 months | Certificate | $2,000same APY in 3 balance tiers | 1.50% | −3.07% | Top 88% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | 15-Month Certificate Promotional | $2,000same APY in 3 balance tiers | 3.25% | −1.40% | Verified October 22, 2026 |
| 18 months | Certificate | $2,000same APY in 3 balance tiers | 1.75% | −2.97% | Top 86% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate | $2,000same APY in 3 balance tiers | 1.75% | −3.12% | Top 84% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate | $2,000same APY in 3 balance tiers | 1.75% | −3.20% | Top 80% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate | $2,000same APY in 3 balance tiers | 1.75% | −3.23% | Top 79% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate | $2,000same APY in 3 balance tiers | 1.75% | −3.26% | Top 80% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 3.25% APY (15 months). The standard rate for a similar term is 1.50% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $175 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are San Diego County Credit Union's best CD rates by term?
San Diego County Credit Union's best rate is 3.25% APY on 15 months, verified October 22, 2026.
- 3 mo1.00%
- 6 mo1.00%
- 7 mo3.15%
- 12 mo1.50%
- 15 mo3.25%
- 18 mo1.75%
- 24 mo1.75%
- 36 mo1.75%
- 48 mo1.75%
- 60 mo1.75%
How much interest could a San Diego County Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$407.66 interest · $10,407.66 at maturity on $10,000.00.
3.25% APY · 15 months · 15-Month Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $12.421.00% APY · Certificate · Standard | $24.841.00% APY · Certificate · Standard | $62.101.00% APY · Certificate · Standard | $124.191.00% APY · Certificate · Standard |
| 6 months | $25.011.00% APY · Certificate · Standard | $50.011.00% APY · Certificate · Standard | $125.031.00% APY · Certificate · Standard | $250.061.00% APY · Certificate · Standard |
| 7 months | $91.323.15% APY · 7-Month Certificate · Promotional | $182.633.15% APY · 7-Month Certificate · Promotional | $456.583.15% APY · 7-Month Certificate · Promotional | $913.173.15% APY · 7-Month Certificate · Promotional |
| 12 months | $75.001.50% APY · Certificate · Standard | $150.001.50% APY · Certificate · Standard | $375.001.50% APY · Certificate · Standard | $750.001.50% APY · Certificate · Standard |
| 15 months | $203.833.25% APY · 15-Month Certificate · Promotional | $407.663.25% APY · 15-Month Certificate · Promotional | $1,019.153.25% APY · 15-Month Certificate · Promotional | $2,038.303.25% APY · 15-Month Certificate · Promotional |
| 18 months | $131.941.75% APY · Certificate · Standard | $263.891.75% APY · Certificate · Standard | $659.721.75% APY · Certificate · Standard | $1,319.451.75% APY · Certificate · Standard |
| 24 months | $176.531.75% APY · Certificate · Standard | $353.061.75% APY · Certificate · Standard | $882.661.75% APY · Certificate · Standard | $1,765.311.75% APY · Certificate · Standard |
| 36 months | $267.121.75% APY · Certificate · Standard | $534.241.75% APY · Certificate · Standard | $1,335.601.75% APY · Certificate · Standard | $2,671.211.75% APY · Certificate · Standard |
| 48 months | $359.301.75% APY · Certificate · Standard | $718.591.75% APY · Certificate · Standard | $1,796.481.75% APY · Certificate · Standard | $3,592.951.75% APY · Certificate · Standard |
| 60 months | $453.081.75% APY · Certificate · Standard | $906.171.75% APY · Certificate · Standard | $2,265.411.75% APY · Certificate · Standard | $4,530.831.75% APY · Certificate · Standard |
How San Diego County Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 39 of 55 tracked institutions with fresh 456-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| San Diego County Credit Union (this institution)15-Month Certificate · Promotional | 15 months | $2,000 | Membership required · branches in CA | 3.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Available nationwide | 4.30% | October 22, 2026 |
| Wells FargoSpecial Fixed Rate CD · Relationship | 15 months | $5,000 | San Francisco, CA · ZIP 94105 | 4.00% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking San Diego County Credit Union on October 22, 2026.
About San Diego County Credit Union
- Legal name
- San Diego County Credit Union
- Regulator ID
- NCUA 61004
- Headquarters
- San Diego, CA
- Available in
- CA
- Total assets
- $9.5 billion
- Also known as
- Website
- www.sdccu.com
Source: rates read from https://www.sdccu.com/rates/consumer-deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at San Diego County Credit Union?
Among the rates we track, 3.25% APY on a 15-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a San Diego County Credit Union CD?
The lowest minimum we found is $2,000; jumbo and higher balance tiers start at up to $90,000.
How does San Diego County Credit Union's best CD rate compare with Treasury yields?
3.25% APY is −1.40% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.25% a good CD rate?
It is 1.8 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are San Diego County Credit Union CDs insured?
San Diego County Credit Union is a federally insured credit union (NCUA 61004). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at San Diego County Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check San Diego County Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from San Diego County Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with San Diego County Credit Union before opening an account. This page is not financial advice.