SDCCU Reward Certificates

APY shown above includes extra .25%. APY = Annual Percentage Yield. ¹Minimum $2,000 and active checking account to earn 1.00% APY, maximum $89,999. This certificate will automatically renew to a non-promotional certificate upon maturity. APY and term accurate as of 04/28/12 and subject to change. Minimum balance to open any certificate at SDCCU is $2,000. Early withdrawal penalty applies. Reward Certificate accounts cannot be opened online. This product is not available for chartered financial institutions or business accounts.0.25% will be added to the dividend rate for each month during the initial term of the certificate when your SDCCU checking account is validated as active, provided your checking account becomes active in the first 90 calendar days of the term of the certificate. Activity may occur in any SDCCU checking account listed under your Social Security Number (SSN). A checking account is considered active when at least two of the following criteria are completed within the same calendar month: 1. Recurring direct deposits (at least two (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. Three (3) posted bill pay transactions; 3. Five (5) debit card transactions. The one-time rate increase will be effective on the first day of the calendar month that your checking account is validated as active or the open date of the certificate, for those with an existing active checking account.