# San Diego County Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/san-diego-county-credit-union
Institution: San Diego County Credit Union (NCUA 61004)
Aliases: 
Status: live
Last verified: 2026-10-22T23:54:09.000Z (October 22, 2026)
Official source: https://www.sdccu.com/rates/consumer-deposit-rates
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $2,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 3 months | $10,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 3 months | $90,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 6 months | $2,000 | 1.00% | Not ZIP-priced | −3.40% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 6 months | $10,000 | 1.00% | Not ZIP-priced | −3.40% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 6 months | $90,000 | 1.00% | Not ZIP-priced | −3.40% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| 7-Month Certificate | promotional | 7 months | $2,000 | 3.15% | Not ZIP-priced | −1.28% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| 7-Month Certificate | promotional | 7 months | $10,000 | 3.15% | Not ZIP-priced | −1.28% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| 7-Month Certificate | promotional | 7 months | $90,000 | 3.15% | Not ZIP-priced | −1.28% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 12 months | $2,000 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 12 months | $10,000 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 12 months | $90,000 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| 15-Month Certificate | promotional | 15 months | $2,000 | 3.25% | Not ZIP-priced | −1.40% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| 15-Month Certificate | promotional | 15 months | $10,000 | 3.25% | Not ZIP-priced | −1.40% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| 15-Month Certificate | promotional | 15 months | $90,000 | 3.25% | Not ZIP-priced | −1.40% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 18 months | $2,000 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 18 months | $10,000 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 18 months | $90,000 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 24 months | $2,000 | 1.75% | Not ZIP-priced | −3.12% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 24 months | $10,000 | 1.75% | Not ZIP-priced | −3.12% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 24 months | $90,000 | 1.75% | Not ZIP-priced | −3.12% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 36 months | $2,000 | 1.75% | Not ZIP-priced | −3.20% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 36 months | $10,000 | 1.75% | Not ZIP-priced | −3.20% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 36 months | $90,000 | 1.75% | Not ZIP-priced | −3.20% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 48 months | $2,000 | 1.75% | Not ZIP-priced | −3.23% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 48 months | $10,000 | 1.75% | Not ZIP-priced | −3.23% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 48 months | $90,000 | 1.75% | Not ZIP-priced | −3.23% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 60 months | $2,000 | 1.75% | Not ZIP-priced | −3.26% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 60 months | $10,000 | 1.75% | Not ZIP-priced | −3.26% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |
| Certificate | standard | 60 months | $90,000 | 1.75% | Not ZIP-priced | −3.26% | 2026-10-22T23:54:09.000Z | [Snapshot 438](https://apyledger.com/snapshots/438) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.