Share Certificates

Rates effective February 1, 2024

* Annual Percentage Yield (APY). For terms less than 12-months, dividends are paid upon maturity. 12-month and longer Certificate dividends are compounded and credited quarterly, on the last day of the quarter and at maturity. For example, dividends for the first quarter, January 1 to March 31, will be paid on March 31. 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as follows: Less than 12-month Certificates - You will forfeit the lesser of 30 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 12-Month - 48-Month Certificates - You will forfeit the lesser of 180 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance. 60-Month Certificates - You will forfeit the lesser of 360 days of dividends on the amount withdrawn or the amount of dividends earned since the date of issuance.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.