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Competitive 54-Month CD Rate at San Diego County Credit Union - Local Only

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San Diego County Credit Union

San Diego County Credit Union is offering a CD and IRA CD special with competitive long-term rates. It has a 54-month term with a top rate of 2.45% APY. This requires a $90K minimum deposit. The rate is 2.40% APY for a $2K minimum. These rates include a 0.25% reward for maintaining an active checking account. According to the CSR, the early withdrawal penalty is 180 days worth of interest. There's also a 13-month CD special, but the rates are not competitive. These rates are listed in the credit union's rates sheet as of 9/8/2011.

An active checking status requires at least two of the following criteria are completed within the same calendar month: 1) recurring direct deposit (at least 2 consecutive direct deposits of at least $250. For monthly direct deposits, a direct deposit in the preceding month will count to satisfy this criteria.); 2) 3 Bill Payer Plus transactions, and 3) 5 check card transactions.

SDCCU's myChecking account is a free checking account with e-statements.

Credit union membership is open to everyone living or working in San Diego, Riverside and Orange Counties. Please refer to the credit union's new-account page for more details on eligibility. Membership requires a minimum deposit of $50 into the Primary Savings account.

San Diego County Credit Union branches are located throughout Southern California.

With $5.23 billion in assets, San Diego County Credit Union is one of the largest credit unions in the nation. It has an overall health score at DepositAccounts.com of 5 stars (out of 5) with a Texas Ratio of 9.52% (above average) based on June 2011 data. The credit union is federally insured by the NCUA (Charter # 61004).

How The CD Rate Compares?

The best 5-year CD rate at an all-access credit union is 2.68% APY at Melrose Credit Union. The best nationally available 5-year CD rate at a bank is 2.50% APY at Airbanking. Rates are accurate as of 9/8/2011.

Searching for the Best CD and IRA CD Rates

To search for the best nationwide rates and the best rates in your state, please refer to the following sections of DepositAccounts.com:

  Tags: San Diego County Credit Union, California, CD rates, IRA rates

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