Nima Ali Yusuf supported al-Shabab, an al-Qaida-linked militia trying to create an Islamic state in Somalia, federal prosecutor Sabrina Feve said.
Yusuf was the fourth person charged in the past month in San Diego with helping al-Shabab. Authorities described her as a lawful permanent resident of the U.S.
She was arrested Friday in San Diego and appeared in federal court Monday.
Yusuf was charged in the indictment with conspiracy to provide material support to terrorists, conspiracy to provide material support to a foreign terrorist organization and making a false statement to a government
The others charged in San Diego were accused of raising money then routing the funds to the radical Islamist group. Federal prosecutors did not provide further details on the allegations.
Since 2007, roughly 20 men have left Minnesota to fight with al-Shabab. It wasn't immediately clear from the indictment whether Yusuf was connected to those men.
Yusuf also was charged with making a false statement to an FBI agent and Customs and Border Protection officer when she allegedly denied sending money to anyone in Somalia in the past year.
Three other people were indicted in St. Louis and Minnesota this month for also allegedly supporting the radical Islamist group.
Associated Press writer Amy Forliti in Minneapolis contributed to this report.