Share Certificates

Earn a higher return on your savings and set your money aside for a specific period of time. Plus you get to choose the term of your certificate. This indicates the number of months you will keep your money in the account. We offer traditional, bump-up, and jumbo certificate options.

Share Certificates

Choose terms ranging from six to 60 months and it only takes $500 to open.

  • No service charges
  • Competitive yields and fixed rates of return
  • Dividends are compounded daily
  • Federally insured to $250,000 by NCUA

Open an Account

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Bump-Up Certificates

Opportunity to raise up to a higher interest yield during the term of your certificate. Available terms include 17, 30, and 45 months.

  • Competitive yields
  • Update or bump the interest rate and annual percentage yield (APY) to the next prevailing interest rate1
  • Get to change the rate of the certificate once during the original term of the certificate
  • Federally insured to $250,000 by NCUA

Open an Account

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Jumbo Certificates

Provides higher returns than traditional certificates, saving accounts, and many other low-risk investments. This account can be opened with deposits of $100,000 or more.

  • Perfect for those wanting to invest large sums of money at low risk
  • No service charges
  • Dividends are compounded daily
  • Competitive yields and fixed rates of return
  • Federally insured to $250,000 by NCUA

Open an Account 

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Certificate Rates

Products 6 Months APY* 12 Months APY* 17 Months APY* 24 Months APY* 30 Months APY*

Certificate**

(Minimum Balances of $500)

0.65% 0.95% N/A 1.00% N/A

Jumbo Certificate**

(Minimum Balances of $100,000)

0.65% 0.95% N/A 1.00% N/A

Bump Up Certificate**

(Minimum Balances of $500)

N/A N/A 0.75% N/A 0.85%

Jumbo Bump Up Certificate**

(Minimum Balances of $100,000)

N/A N/A 0.75% N/A 0.85%
Products 36 Months APY* 45 Months APY* 48 Months APY* 60 Months APY*

Certificate**

(Minimum Balances of $500)

1.10% N/A 1.10% 1.21%

Jumbo Certificate**

(Minimum Balances of $100,000)

1.10% N/A 1.10% 1.21%

Bump Up Certificate**

N/A 0.85% N/A N/A

Jumbo Bump Up Certificate**

(Minimum Balances of $100,000)

N/A 0.85% N/A N/A

Rates effective September 1, 2020

* Annual Percentage Yield (APY). Dividends compounded daily, credited quarterly. Penalties may apply for early withdrawals. Rates subject to change.

** In the case of early withdrawals of the principal amount or any portion thereof, a penalty will be imposed. SDFCU reserves the right to require 24 hours written notice of your intent to withdraw. Penalties are assessed at the time of withdrawal and are calculated as follows: Less than 12-month Certificates - You will forfeit the lesser of 30 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 12-Month - 48-Month Certificates - You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 60-Month Certificates - You will forfeit the lesser of 360 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. No penalty will be imposed if the withdrawal is a result of voluntary or involuntary liquidation of the Credit Union or upon death of the member.

Disclosures

If you have a bump-up certificate and would like to request an increase, contact us at 703-706-5000 or 800-296-8882. Rate of the bump up will be changed on the date we receive the request. 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.