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San Diego County Credit Union

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San Diego County Credit Union Rates & Review November 2026

Q: What are the current interest rates at San Diego County Credit Union?

Current rates for San Diego County Credit Union include: 12-Month CD: 1.50%, 18-Month CD: 1.75%, 24-Month CD: 1.75%, 60-Month CD: 1.75%, Savings: 2.55%, MMA: 0.20%

Q: What CD terms does San Diego County Credit Union offer?

San Diego County Credit Union CD rates are 3.15% APY for a 7 month CD, 1.50% APY for a 12 month CD, 3.25% APY for a 15 month CD, 1.75% APY for an 18 month CD, 1.75% APY for a 2 year CD, 1.75% APY for a 3 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with San Diego County Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

San Diego County Credit Union's 15-Month CD rates are at 3.25%, 7-Month CD rates are at 3.15%, 18 Month CD rates are at 1.75%, 24 Month CD rates are at 1.75%, 36 Month CD rates are at 1.75%. San Diego County Credit Union's savings rates are at 2.55%. San Diego County Credit Union's money market rates are at 0.20%. San Diego County Credit Union's checking rates are as high as 2.50%. San Diego County Credit Union's Personal Loan Rates are as low as 16.24%. San Diego County Credit Union's Credit Card Rates are at 14.24%. San Diego County Credit Union's CD rates are 36% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of San Diego County Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates last updated and verified on 10/29/2026.

San Diego County Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at San Diego County Credit Union? Share your experience about San Diego County Credit Union by leaving a review below, or read customer reviews before you decide to use San Diego County Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

San Diego County Credit Union
Operations Center - Administration Building

6545 Sequence Dr
San Diego, CA 92121

https://www.sdccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

San Diego County Credit Union CD Rates

Product	Rate	APY	Term
15-Month Certificate	3.20%	3.25%	15 months
Min Balance $2,000 Details Promotional certificate; Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
15-Month Certificate	3.20%	3.25%	15 months
Min Balance $10,000 Details Promotional certificate; Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
15-Month Certificate	3.20%	3.25%	15 months
Min Balance $90,000 Details Promotional certificate; Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
7-Month Certificate	3.11%	3.15%	7 months
Min Balance $2,000 Details Promotional certificate; Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
7-Month Certificate	3.11%	3.15%	7 months
Min Balance $10,000 Details Promotional certificate; Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
7-Month Certificate	3.11%	3.15%	7 months
Min Balance $90,000 Details Promotional certificate; Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
18 Month Certificate	1.74%	1.75%	18 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
18 Month Certificate	1.74%	1.75%	18 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
18 Month Certificate	1.74%	1.75%	18 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
24 Month Certificate	1.74%	1.75%	24 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
24 Month Certificate	1.74%	1.75%	24 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
24 Month Certificate	1.74%	1.75%	24 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
36 Month Certificate	1.74%	1.75%	36 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
36 Month Certificate	1.74%	1.75%	36 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
36 Month Certificate	1.74%	1.75%	36 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
48 Month Certificate	1.74%	1.75%	48 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
48 Month Certificate	1.74%	1.75%	48 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
48 Month Certificate	1.74%	1.75%	48 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
60 Month Certificate	1.74%	1.75%	60 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
60 Month Certificate	1.74%	1.75%	60 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
60 Month Certificate	1.74%	1.75%	60 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 18 month	1.74%	1.75%	18 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 18 month	1.74%	1.75%	18 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 18 month	1.74%	1.75%	18 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 24 month	1.74%	1.75%	24 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 24 month	1.74%	1.75%	24 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 24 month	1.74%	1.75%	24 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 36 month	1.74%	1.75%	36 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 36 month	1.74%	1.75%	36 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 36 month	1.74%	1.75%	36 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 48 month	1.74%	1.75%	48 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 48 month	1.74%	1.75%	48 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 48 month	1.74%	1.75%	48 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 60 month	1.74%	1.75%	60 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 60 month	1.74%	1.75%	60 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 60 month	1.74%	1.75%	60 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
12 Month Certificate	1.49%	1.50%	12 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
12 Month Certificate	1.49%	1.50%	12 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
12 Month Certificate	1.49%	1.50%	12 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 12 month	1.49%	1.50%	12 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 12 month	1.49%	1.50%	12 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 12 month	1.49%	1.50%	12 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
3 Month Certificate	1.00%	1.00%	3 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
3 Month Certificate	1.00%	1.00%	3 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
3 Month Certificate	1.00%	1.00%	3 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
6 Month Certificate	1.00%	1.00%	6 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
6 Month Certificate	1.00%	1.00%	6 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
6 Month Certificate	1.00%	1.00%	6 months
Min Balance $90,000 Details Balance: $90,000.00 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 3 month	1.00%	1.00%	3 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 3 month	1.00%	1.00%	3 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 3 month	1.00%	1.00%	3 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 6 month	1.00%	1.00%	6 months
Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 6 month	1.00%	1.00%	6 months
Min Balance $10,000 Details Balance: $10,000.00 - $89,999.99 Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Certificate - 6 month	1.00%	1.00%	6 months
Min Balance $90,000 Details Balance: $90,000.00 + Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

San Diego County Credit Union Savings Rates

Product	Rate	APY
High-Balance Savings	2.52%	2.55%
Min Deposit $25,000 Min Balance $1,000,000 Details Balance: $1,000,000 + Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	2.37%	2.40%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	2.37%	2.40%
Min Deposit $25,000 Min Balance $225,000 Details Balance: $225,000.00 - $499,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Primary Savings	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 and over; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Special Savings	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 and over; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
IRA Savings	0.03%	0.03%
Min Deposit $1 Min Balance $100 Details Balance: $100.00 and over; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	0.00%	0.00%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000.00 - $224,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	0.00%	0.00%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	0.00%	0.00%
Min Deposit $25,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	0.00%	0.00%
Min Deposit $25,000 Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Balance Savings	0.00%	0.00%
Min Deposit $25,000 Min Balance $100 Details Balance: $100.00 - $4,999.99 Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 2.52% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

San Diego County Credit Union Money Market Rates

Product	Rate	APY
Money Market & IRA Money Market	0.20%	0.20%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 and over; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Money Market & IRA Money Market	0.15%	0.15%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Money Market & IRA Money Market	0.05%	0.05%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Money Market & IRA Money Market	0.05%	0.05%
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Money Market & IRA Money Market	0.05%	0.05%
Min Deposit $5,000 Min Balance $100 Details Balance: $100.00 - $4,999.99; APY = Annual Percentage Yield; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

San Diego County Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	2.47%	2.50%
Min Deposit $5,000 Min Balance $500,000 Details Balance: $500,000.00 and over; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Yield Checking	2.23%	2.25%
Min Deposit $5,000 Min Balance $225,000 Details Balance: $225,000.00 - $499,999.99; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Yield Checking	1.98%	2.00%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 - $224,999.99; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Yield Checking	0.03%	0.03%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Yield Checking	0.03%	0.03%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Classic Checking	0.01%	0.01%
Min Deposit $25 Min Balance $1,500 Details Balance: $1,500.00 and over; APY = Annual Percentage Yield; Must maintain $1,000 average daily balance, $2,500 combined savings balance, or $100+ direct deposit per pay period to avoid monthly fee; Must maintain $1,500 average daily balance to obtain APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Yield Checking	0.00%	0.00%
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
High-Yield Checking	0.00%	0.00%
Min Deposit $5,000 Min Balance $100 Details Balance: $100.00 - $4,999.99; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

San Diego County Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.89%
Details As Low As; Competitive rates featured on homepage Last Updated 10/29/2026 Rate History 1 change since Sep 14, 2026 · 4.69% → 4.89% ▲ 0.20 pts · high 4.89% / low 4.69% Sep 29, 20264.89%▲ from 4.69% Sep 14, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

San Diego County Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum (Variable)	-	14.24%
Details Purchase APR range based on creditworthiness at account opening: 14.24%, 15.24%, 16.24%, 17.24% or 20.24%; variable, based on Prime Rate. Balance Transfer APR: 18.24%, 19.24%, 20.24%, 21.24% or 24.24%. Cash Advance APR: 18.24%, 19.24%, 20.24%, 21.24% or 24.24%. Annual fee: . Foreign transaction fee 3.00%. Balance transfer fee: either $1.00 or 2.00% of each transfer, whichever is greater. Cash advance fee: either $1.00 or 2.00% of each advance, whichever is greater. Fly Miles Plus Reward Program fee $35.00 annually, waived with $6,000.00 or more in annual purchases. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 14.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%
Visa Signature (Variable)	-	16.24%
Details Purchase APR range based on creditworthiness at account opening: 16.24%, 17.24%, 18.24%, 19.24% or 22.24%; variable, based on Prime Rate. Balance Transfer APR: 20.24%, 21.24%, 22.24%, 23.24% or 26.24%. Cash Advance APR: 20.24%, 21.24%, 22.24%, 23.24% or 26.24%. Annual fee $99.00. Foreign transaction fee 0.00%. Balance transfer fee: either $1.00 or 2.00% of each transfer, whichever is greater. Cash advance fee: either $1.00 or 2.00% of each advance, whichever is greater. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 16.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

San Diego County Credit Union Personal Loan Rates

Product	APR	Term	View More
Visa Signature (Variable)	16.24%
Details Purchase APR range based on creditworthiness at account opening: 16.24%, 17.24%, 18.24%, 19.24% or 22.24%; variable, based on Prime Rate. Balance Transfer APR: 20.24%, 21.24%, 22.24%, 23.24% or 26.24%. Cash Advance APR: 20.24%, 21.24%, 22.24%, 23.24% or 26.24%. Annual fee $99.00. Foreign transaction fee 0.00%. Balance transfer fee: either $1.00 or 2.00% of each transfer, whichever is greater. Cash advance fee: either $1.00 or 2.00% of each advance, whichever is greater. Last Updated 10/29/2026 Rate History No change since Oct 19, 2026 · 16.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.52%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

San Diego County Credit Union’s Texas Ratio stayed near 0.49% in Q3 2023 to 0.52% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$9.5B	0.52%	5.0	A+
March 31, 2026	$9.4B	0.27%	5.0	A+
December 31, 2025	$9.3B	0.63%	5.0	A+
September 30, 2025	$9.3B	0.56%	5.0	A+
June 30, 2025	$9.3B	0.63%	5.0	A+
March 31, 2025	$9.3B	0.31%	5.0	A+
December 31, 2024	$9.2B	0.60%	5.0	A+
September 30, 2024	$10.0B	0.61%	5.0	A+
June 30, 2024	$11.1B	0.58%	5.0	A+
March 31, 2024	$13.3B	0.38%	5.0	A+
December 31, 2023	$13.5B	0.78%	5.0	A+
September 30, 2023	$12.7B	0.49%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for San Diego County Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather San Diego County Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with San Diego County Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name San Diego County Credit Union

Website https://www.sdccu.com

Address 6545 Sequence Dr, San Diego, CA 92121

Phone 877-732-2848

Fax 858-558-0360

President Christopher Hart

CEO Teresa Campbell

Full-Time Employees 814

Part-Time Employees 30

Branch Locations 39

ATM Locations 40

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.52%

Return on Assets (ROA)

0.2710%

Return on Equity (ROE)

1.3670%

Non-Performing Loans Ratio (NPL)

0.20%

Total Assets

9,546,194,500

Total Amount of Shares and Deposits

7,817,494,392

Total Shares and Deposits < 1 Year

7,401,885,607

Total Shares and Deposits 1 3 Years

365,807,657

Total Shares and Deposits > 3 Years

49,801,128

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

581,769,880

Total Uninsured Shares and Deposits > $250K (F+J)

581,769,880

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,235,724,512

Total Interest Expense (Sum of items 6 8)

46,040,272

Share Certificates

51,062

Number of Accounts for Share Drafts

294,780

IRA KEOGH Accounts

32,985

Number of Accounts for Regular Shares

497,678

Money Market Shares

84,494

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

1,874,243,881

Total Liabilities

8,052,634,490

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

San Diego County Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About San Diego County Credit Union

Does San Diego County Credit Union offer CDs?

Yes. San Diego County Credit Union current CD rates include its 15-Month CD at 3.25% APY, its 7-Month CD at 3.15% APY and its 18 Month CD at 1.75% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from San Diego County Credit Union NCUA insured?

Yes. San Diego County Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at San Diego County Credit Union?

The highest San Diego County Credit Union CD rate is its 15-Month CD at 3.25% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does San Diego County Credit Union offer?

San Diego County Credit Union CD rates are 3.15% APY for a 7 month CD, 1.50% APY for a 12 month CD, 3.25% APY for a 15 month CD, 1.75% APY for an 18 month CD, 1.75% APY for a 2 year CD, 1.75% APY for a 3 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with San Diego County Credit Union for its full lineup.

What is the highest savings rate at San Diego County Credit Union?

The highest San Diego County Credit Union savings rate is its High-Balance Savings at 2.55% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at San Diego County Credit Union?

The highest San Diego County Credit Union money market rate is its Money Market & IRA Money Market at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at San Diego County Credit Union?

The highest San Diego County Credit Union checking rate is its High-Yield Checking at 2.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at San Diego County Credit Union?

The lowest San Diego County Credit Union auto loan rate is its Auto Loans at 4.89% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at San Diego County Credit Union?

The lowest San Diego County Credit Union personal loan rate is its Visa Signature (Variable) at 16.24% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest credit card APR at San Diego County Credit Union?

The lowest San Diego County Credit Union credit card APR is its Visa Platinum (Variable) Credit Card at 14.24% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does San Diego County Credit Union operate?

San Diego County Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join San Diego County Credit Union?

Yes, to access services at San Diego County Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, San Diego County Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, San Diego County Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does San Diego County Credit Union offer online and mobile banking?

Most modern institutions like San Diego County Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sdccu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do San Diego County Credit Union rates compare?

San Diego County Credit Union's CD rates are 36% lower than the MonitorBankRates national average, and it has an A+ health rating. San Diego County Credit Union's top rates are its 15-Month CD at 3.25% APY, its High-Balance Savings at 2.55% APY, its Money Market & IRA Money Market at 0.20% APY, its High-Yield Checking at 2.50% APY, its Visa Signature (Variable) at 16.24% APR and its Visa Platinum (Variable) Credit Card at 14.24% APR, verified by MonitorBankRates on October 29, 2026.

Current San Diego County Credit Union Rates

12-Month CD1.50%
18-Month CD1.75%
24-Month CD1.75%
60-Month CD1.75%
Savings2.55%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

San Diego County Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

San Diego County Credit Union Texas Ratio

San Diego County Credit Union Health Trend

San Diego County Credit Union CD Rates

San Diego County Credit Union Savings Rates

San Diego County Credit Union Money Market Rates

San Diego County Credit Union Checking Rates

San Diego County Credit Union Auto Loan Rates

San Diego County Credit Union Credit Card Rates

San Diego County Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

San Diego County Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About San Diego County Credit Union

Does San Diego County Credit Union offer CDs?

Are CDs from San Diego County Credit Union NCUA insured?

What is the highest CD rate at San Diego County Credit Union?

What CD terms does San Diego County Credit Union offer?

What is the highest savings rate at San Diego County Credit Union?

What is the highest money market rate at San Diego County Credit Union?

What is the highest checking rate at San Diego County Credit Union?

What is the lowest auto loan rate at San Diego County Credit Union?

What is the lowest personal loan rate at San Diego County Credit Union?

What is the lowest credit card APR at San Diego County Credit Union?

How many branches does San Diego County Credit Union operate?

Is a member application needed to join San Diego County Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does San Diego County Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do San Diego County Credit Union rates compare?

Current San Diego County Credit Union Rates

Compare to Other Credit Unions