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  San Diego County Credit Union Certificate Account

San Diego County Credit Union Certificate Account

in CD Accounts from San Diego County Credit Union · ncua

Unaffiliated

San Diego County Credit Union Certificate Account

Unaffiliated

in CD Accounts from San Diego County Credit Union · Insured by NCUA

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Minimum Opening Deposit Starting at $2,000
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 0.2% - 1.15%

San Diego County Credit Union Certificate Account Review

San Diego County Credit Union Certificate Account is offered by San Diego County Credit Union, a credit union founded in 1995 and based in San Diego, CA. San Diego County Credit Union Certificate Account is available in 1 state across the USA.

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 1.15%, which is much higher than the national average for a certificate account.
  • $2,000 minimum deposit. This is a typical minimum initial deposit for the certificates we track.
  • Wide selection of certificate terms. SDCCU CD allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of San Diego County Credit Union Certificate Account
Pros Cons
  • Insured by NCUA.
  • Multiple certificate terms available.
  • High-dividend yield
  • No charge on incoming domestic or international wire transfers.
  • Only available in one state.
  • There isn't a no-penalty certificate option.
San Diego County Credit Union Certificate Account FAQ

Are cd accounts from San Diego County Credit Union federally insured?

Yes, your San Diego County Credit Union cd accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does San Diego County Credit Union offer?

SDCCU CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.
  • Jumbo CDs. A jumbo CD requires a higher minimum balance than that required by traditional CDs. In exchange, jumbo CDs pay higher interest rates.
  • IRA CDs. An IRA CD is a type of IRA that consists entirely of CDs. In general, you can invest in CDs in any IRA, but SDCCU CD offers a CD that is specifically for retirement.

What CD rates does San Diego County Credit Union offer on its CDs?

SDCCU CD offers an APY starting at 0.2% and ranging up to 1.15%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does SDCCU CD offer?

San Diego County Credit Union offers CD terms of the following lengths:
San Diego County Credit Union Certificate Account Rates & Terms
Description
2-Year APY 0.55% - 0.65%
3-Month APY 0.10% - 0.20%
3-Year APY 0.70% - 0.80%
4-Year APY 0.80% - 0.90%
5-Year APY 1.05% - 1.15%
6-Month APY 0.25% - 0.35%
12-Month APY 0.35% - 0.45%
APY (Annual Percentage Yield) 0.2% - 1.15%

What is the minimum deposit to open a CD account with San Diego County Credit Union?

SDCCU CD requires a minimum deposit of $2,000 to open an account.

What is the grace period for SDCCU CD?

There is a 7-day grace period for SDCCU CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does SDCCU CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

San Diego County Credit Union does not charge an early withdrawal fee.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

Minimum Opening Deposit Starting at $2,000
2-Year APY 0.55% - 0.65%
3-Month APY 0.10% - 0.20%
3-Year APY 0.70% - 0.80%
4-Year APY 0.80% - 0.90%
5-Year APY 1.05% - 1.15%
6-Month APY 0.25% - 0.35%
12-Month APY 0.35% - 0.45%
APY (Annual Percentage Yield) 0.2% - 1.15%
CD Accounts
  • IRA
  • Jumbo
  • Traditional
Grace Period for Account Changes 7 days
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 3 years
  • 4 years
  • 5 years

San Diego County Credit Union Certificate Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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