Used Vehicle

APR low
2.49%

New Vehicle

APR low
1.24%

Credit Card

APR low
7.49%

Home Equity

APR low
4.29%

Mortgage

APR low
2.625%

Certificate

APY up to
2.12%

Savings Account Types

regular savings icon Regular

custom savings icon Custom

What are the details?

  • FREE Visa Debit Card
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
  • No fees
  • Dividends are paid monthly and earned from the day of deposit to the day of withdrawal

What are the details?

  • Make your account a little more personal by naming it anything you would like
  • Use it for goals setting like: vacation fund, holiday fund, and more
  • Free Visa Debit Card
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
  • No maintenance fee for "active accounts"
  • Dividends are paid monthly and earned from the day of deposit to the day of withdrawal

What are the rules?

  • A minimum deposit of $1 is required to open (we will pay it for you)

What are the rules?

  • A minimum deposit of $1 is required to open (we will pay it for you)
Join Now
Join Now

minor checking icon Minor

custodian savings icon Custodian

What are the details?

  • Account made for a member under 18 years of age
  • FREE Visa Debit Card
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).

What are the details?

  • Savings Account established by an adult for the benefit a minor
  • Great option to begin teaching a minor responsible spending habits, while maintaining control over the account
  • Free Visa Debit Card
  • Access to over 29,000 ATMs and 6,400 credit unions through our CO-OP shared branch network
  • Use any non-SDFCU ATM without incurring an ATM fee (ATM owner may still charge a surcharge fee).
  • No fees
  • Dividends are paid monthly and earned from the day of deposit to the day of withdrawal

What are the rules?

  • As long as the minor can sign their own name, they can open a Minor Account
  • Opening an account requires the signature of someone over 18
  • A minimum deposit of $1 is required to open (we will pay it for you)
  • No dividends are earned

What are the rules?

  • A minimum deposit of $1 is required to open (we will pay it for you)
  • Account must be established by an adult (someone over 18 years of age) for the benefit of a minor
  • The custodian doesn’t need to be a member. However, the minor does have to be a member
  • Custodian can turn over access to the account to the minor at the age of 18 or 21
Join Now
Join Now

Money Markets

Prime

Premiere

What are the details?

  • Created for savers who maintain a balance of $2,000 to $24,999.99
  • Flexible solution if you have a larger savings balance but want unrestricted access to it
  • No service fees
  • Allows for High Money Market Yields.

What are the details?

  • Created for savers who maintain a balance of $25,000 or more
  • Flexible solution if you have a larger savings balance but want unrestricted access to it
  • No service fees
  • Allows for High Money Market Yields

What are the rules?

  • Competitive rates for savers who maintain a balance of $2,000 to $24,999.99
  • Account will not earn dividends if the balance falls below $2,000
  • All rates are reviewed and set monthly
  • No penalty fees if balance drops below minimum balance
  • Up to six pre-authorized transfers a month (three by check - $100 withdrawal minimum)
  • If you are submitting a withdrawal to be processed electronically via the Automated Clearing House (ACH) or a check by phone, please provide your 12 digit account number. This information can be found on the bottom of your checks. If the debit will come from your regular shares or money management account (ACH only), please provide your five to six digit account number along with the suffix to debit (example: savings -00; Prime Money Management -07; Premiere Money Management -11)

What are the rules?

  • Competitive rates for savers who maintain a balance of $25,000 or more
  • Account will not earn dividends if the balance falls below $25,000
  • All rates are reviewed and set monthly
  • No penalty fees if balance drops below minimum balance
  • Up to six pre-authorized transfers a month (three by check - $100 withdrawal minimum)
  • If you are submitting a withdrawal to be processed electronically via the Automated Clearing House (ACH) or a check by phone, please provide your 12 digit account number. This information can be found on the bottom of your checks. If the debit will come from your regular shares or money management account (ACH only), please provide your five to six digit account number along with the suffix to debit (example: savings -00; Prime Money Management -07; Premiere Money Management -11)
Current Money Market Rates
Join Now
Join Now

Share Certificates

Share Certificates

Bump-Up Certificates

Current Certificate Rates Current Certificate Rates

What are the details?

What are the details?

What are the rules?

  • Require a minimum deposit of just $500
  • Bump up Certificates are available

What are the rules?

  • Allowed to change the rate of the certificate once during the original term of the certificate
  • Contact us to request the increase
  • Rate of the Bump Up will be changed on the date we receive the request
  • Update or Bump the Interest Rate and Annual Percentage Yield on a 17-month certificate to the prevailing Interest Rate of the (SDFCU) 24-month certificate
  • 30-month certificates can be updated to the prevailing Interest Rate of the 36-month certificate
  • 45-month certificates can be updated to the prevailing Interest Rate of the 48-month certificate
  • Additional funds can be added to the account when the bump option is exercised
  • Bumped Interest Rate becomes effective within three business days after we receive your notice
  • New Interest Rate will not be applied retroactively
Join Now
Join Now

Jumbo Certificates

Current Certificate Rates

What are the details?

What are the rules?

  • Used for deposits of $100,000 or more

Join Now

Why Choose Us?

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Access to Virtual Banking

As your financial partner, we want to make sure that your banking experience remains stress-free by offering you a variety of ways to manage your accounts without setting foot in a branch.

 

People when you need them

We know that you may have banking needs that require a human touch. We offer a variety of ways to connect with a member of our team.

  • Access to over 6,400 credit unions through our CO-OP shared branch network
  • 24-hour Member Service Call Center and Rate Line

 

call center lady

family holding balloons

Earn rewards

As a member, you are immediately enrolled in our rewards' programs and begin earning points when you choose to use your debit or credit card to make purchases.

  • Earn one Flexpoint for every $2 spent with signature purchases and five by paying a bill through Bill Pay
  • Purchase Rewards Shop online with participating retailers using your Visa Debit Card and get cash back rewards deposited directly into your checking account at the end of each month. As a member, there is no limit to the rewards you can earn.

 

Little to no fees

As a credit union, we don’t want to fee you. But, when we do, you will find our fees lower than any other financial institution in the industry.

 

fees icon

security icon

Security where it matters

Securing your financial well-being is what we do best. For years we have been providing our members with 24-hour account monitoring to protect against fraud and identity theft. Your accounts are always safe with us.

  • Monitor your accounts with Alerts
  • 24-hour account monitoring by a team of professionals
  • Industry leading online Security Center

 

Superior services for travelers

Banking overseas is more than just putting your card in an ATM or a store kiosk to make a purchase. When you travel, we have you covered.

  • FREE Travelers Checks
  • Affordable Wire services
  • Our Visa Debit Card includes $100,000 Travel Accident Insurance and $300 Delayed Baggage Claim Benefits at no extra charge
  • Debit card Travel Notifications

 

a couple with travel gear

dollar people holding hands in a circle

We are a credit union

As a credit union, we focus on helping members save and borrow and receive affordable financial services.

  • Member-owned
  • Not-for-profit
  • Federally insured by the National Credit Union Administration (NCUA)
  • Higher savings rates
  • Lower loan rates

 

   Contact Us

Savings Calculators