DEPOSIT RATES
Effective August 27, 2024 & subject to change.
NEW MONEY
1
CERTIFICATES
Term
(# of Months)
Minimum Deposit To Earn APY
$2,000.00 - $9,999.99
$10,000.00 - $89,999.99
$90,000.00 +
Dividend Rate
APY
Dividend Rate
APY
Dividend Rate
APY
36-Month New Money
Certificate
4.65%
4.75%
4.65%
4.75%
4.65%
4.75%
1
New Money is defined as funds that are not currently on deposit at San Diego County Credit Union and must come from an external source. Funds transferred from an existing SDCCU account
do not qualify as New Money. Funds held at SDCCU for more than 5 business days prior to certificate opening are not considered New Money. A minimum of 50% of the funds deposited must
be New Money to SDCCU to open the 36-month certificate.
CERTIFICATES
Minimum Deposit Ranges To Earn APY
Term
(# of Months)
$2,000.00 - $9,999.99
$10,000.00 - $89,999.99
$90,000.00 +
Dividend Rate
APY
Dividend Rate
APY
Dividend Rate
APY
60
3.45%
3.51%
3.45%
3.51%
3.45%
3.51%
48
1.98%
2.00%
2.03%
2.05%
2.08%
2.10%
24
2.96%
3.00%
2.96%
3.00%
2.96%
3.00%
18
1.98%
2.00%
1.98%
2.00%
2.03%
2.05%
12
1.88%
1.90%
1.88%
1.90%
1.93%
1.95%
6
2.96%
3.00%
2.96%
3.00%
2.96%
3.00%
3
1.04%
1.05%
1.04%
1.05%
1.04%
1.05%
IRA CERTIFICATES
Minimum Deposit Ranges To Earn APY
Term
(# of Months)
$2,000.00 - $9,999.99
$10,000.00 - $89,999.99
$90,000.00 +
Dividend Rate
APY
Dividend Rate
APY
Dividend Rate
APY
60
3.45%
3.51%
3.45%
3.51%
3.45%
3.51%
48
1.98%
2.00%
2.03%
2.05%
2.08%
2.10%
24
2.96%
3.00%
2.96%
3.00%
2.96%
3.00%
18
1.98%
2.00%
1.98%
2.00%
2.03%
2.05%
12
1.88%
1.90%
1.88%
1.90%
1.93%
1.95%
6
2.96%
3.00%
2.96%
3.00%
2.96%
3.00%
3
1.04%
1.05%
1.04%
1.05%
1.04%
1.05%
All dividend rates and Annual Percentage Yields (APYs) published above for certificates are the anticipated rates and yields for the current period. APYs assume that
dividends will remain in the account until maturity. A penalty will be imposed for early withdrawal. See your account disclosure for complete details. Dividend rates, APYs
and terms subject to change without notice. Institutional deposits are limited to $2 million per chartered financial institution. Fees incurred could reduce earnings on the
account. Certificates must be funded within 7 calendar days. Any accounts not funded within that time will be automatically closed. Your funds at SDCCU are federally
insured to at least $250,000 by the National Credit Union Administration (NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA.
Early Withdrawal Penalties – A penalty will apply for principal withdrawals of a certificate made prior to maturity. If the account has an original term of one year or less,
the penalty equals 90 days’ dividends. If the account has an original term of greater than one year, the penalty equals 180 days’ dividends. Penalties for early withdrawal
may be applied against principal thereby reducing the principal balance. Penalty-free withdrawals are only allowed for required minimum distribution (RMD) of IRA
certificate funds held at SDCCU, for members who have reached the mandatory distribution age, or as required by law. Refer to your certificate account disclosure and
consult with a tax professional if this certificate is part of an IRA or other qualified plan for information regarding other tax consequences and other penalties that may
apply.
REV. 06.25.24 Federally Insured by NCUA
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DEPOSIT RATES
Rates effective August 27, 2024 and subject to change.
GREAT RATE SAVINGS
Average Daily Balance To Earn APY
Dividend Rate
APY
$1,000,000+
0.70%
0.70%
$500,000.00 - $999,999.99
0.60%
0.60%
$225,000.00 - $499,999.99
0.50%
0.50%
$100,000.00 - $224,999.99
0.40%
0.40%
$50,000.00 - $99,999.99
0.25%
0.25%
$25,000.00 - $49,999.99
0.25%
0.25%
$10,000.00 - $24,999.99
0.00%
0.00%
$5,000.00 - $9,999.99
0.00%
0.00%
$100.00 - $4,999.99
0.00%
0.00%
Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $100 in this SDCCU
®
account to
earn the annual percentage yield (APY) disclosed above.
HIGH-BALANCE SAVINGS
Average Daily Balance To Earn APY
Dividend Rate
APY
$1,000,000+
2.57%
2.60%
$500,000.00 - $999,999.99
2.33%
2.36%
$225,000.00 - $499,999.99
2.08%
2.10%
$100,000.00 - $224,999.99
0.00%
0.00%
$50,000.00 - $99,999.99
0.00%
0.00%
$25,000.00 - $49,999.99
0.00%
0.00%
$10,000.00 - $24,999.99
0.00%
0.00%
$5,000.00 - $9,999.99
0.00%
0.00%
$100.00 - $4,999.99
0.00%
0.00%
Minimum Balance Requirements: The minimum balance required to open this account is $25,000. You must maintain a minimum average daily balance of $25,000 in this SDCCU
®
account
to earn the annual percentage yield (APY) disclosed above.
CHECKING / MONEY MARKET / SAVINGS
Account Type
Average Daily Balance To Earn APY
Dividend Rate
APY
High-Yield Checking
$500,000.00 +
0.05%
0.05%
$225,000.00 - $499,999.99
0.05%
0.05%
$100,000.00 - $224,999.99
0.03%
0.03%
$50,000.00 - $99,999.99
0.03%
0.03%
$25,000.00 - $49,999.99
0.03%
0.03%
$10,000.00 - $24,999.99
0.00%
0.00%
$5,000.00 - $9,999.99
0.00%
0.00%
$100.00 - $4,999.99
0.00%
0.00%
Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $25,000 in this SDCCU account to
avoid a monthly fee. If, during any month, your average daily balance is below the required minimum, your account will be subject to a monthly fee for that month. You must maintain a
minimum average daily balance of $100 in this SDCCU account to earn the APY disclosed above.
Money Market & IRA Money Market
$100,000.00 +
0.20%
0.20%
$50,000.00 - $99,999.99
0.15%
0.15%
$25,000.00 - $49,999.99
0.05%
0.05%
$10,000.00 - $24,999.99
0.05%
0.05%
$5,000.00 - $9,999.99
0.05%
0.05%
$100.00 - $4,999.99
0.05%
0.05%
Minimum Balance Requirements: The minimum balance required to open this account is $5,000. You must maintain a minimum average daily balance of $100 in this SDCCU account to
earn the APY disclosed above.
Savings
$100.00 +
0.05%
0.05%
IRA Savings
$100.00 +
0.03%
0.03%
Minimum Balance Requirements: The minimum balance required to open this account is $1. You must maintain a minimum average daily balance of $1 in this SDCCU account to avoid a
Primary savings account with less than $1 fee. You must maintain a minimum average daily balance of $100 in this SDCCU account to earn the APY disclosed above.
Classic Checking
$1,500.00 +
0.01%
0.01%
Minimum Balance Requirements: The minimum balance required to open this account is $25. You must maintain an average minimum daily balance of $1,000, a combined average daily
savings balance of $2,500 or have a direct deposit of $100 or more per pay period during the month to avoid a monthly fee. You must maintain a minimum average daily balance of $1,500 in
this SDCCU account to obtain the APY disclosed above.
FREE Checking with eStatements
$0.00 +
N/A
N/A
Minimum Balance Requirements: The minimum balance required to open this account is $25.
All dividend rates and Annual Percentage Yields (APYs) published above are the anticipated rates and yields. See your account disclosure for complete details. Dividend rates, APYs and
terms subject to change without notice. These products are not available for chartered financial institutions or business accounts. Fees incurred could reduce earnings on the account. Please
see our separate Consumer Services Fee Schedule for current fees that may apply. Your funds at SDCCU are federally insured to at least $250,000 by the National Credit Union Administration
(NCUA). IRA deposits are separately federally insured to at least $250,000 by the NCUA.
REV. 06.25.24 Federally Insured by NCUA
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