Steven, owner of Ciara West Equestrian.
Putting them first since 2015.

BUSINESS TERM CERTIFICATES

Maximize yield with our term certificates

With a minimum balance of just $250, and terms from 3 months to 5 years, we offer term certificates for every need.

Why a Business Term Certificate?

Minimum
$250
We Offer
Competitive
Terms

What exactly is a Term Certificate? It's what banks call a certificate of deposit. We're different than a bank, so we use a different term. An SF Fire Credit Union Term Certificate puts your business first; a certificate of deposit does not.

Our Term Certificates generally earn higher dividends than Tiered Savings Accounts, so if you can afford to lock up your money for a little while, this might be the account for your business. We'll keep it safe and sound, and, more importantly, make sure it grows.

Corporation

To open a Term Certificate for a Corporation, click here.

Limited Liability Company (LLC)

To open a Term Certificate for a Limited Liability Company (LLC), click here.

Sole Proprietorship

To open a Term Certificate for a Sole Proprietorship, click here.

Term Certificate Rates

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2504.00%3.92%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2504.00%3.92%
Term

11 Month Promotional Offer

Rate applies only to accounts funded with money not currently held at SF Fire Credit Union. 

Minimum Deposit/Minimum BalanceAPY*Dividend
$2505.00%4.875%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2504.00%3.92%
Term

18-Month Bump Up1

Minimum Deposit/Minimum BalanceAPY*Dividend
$2500.20%0.20%
Term

2 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.50%2.47%
Term

3 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.45%2.42%
Term

5 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2502.25%2.23%

Rates effective as of 10/18/2023. Rates are subject to change at any time.

Term Certificates have a required minimum deposit of $250.

*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Interest rate for Term Certificates is fixed for the length of the term.

COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.

DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be: 

If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.

If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

1 If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates.

Jumbo Term Certificate Rates

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0004.00%3.92%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0004.00%3.92%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0004.00%3.92%

 Rates effective as of 10/18/2023. Rates are subject to change at any time.

Jumbo Term Certificates have a required minimum deposit of $100,000

*APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days. Unless otherwise paid, excluding IRAs, dividends will be credited to your account and compounded every month.

COMPOUNDING AND CREDITING OF DIVIDENDS
Dividends will be compounded daily and credited monthly and at maturity.

DIVIDEND COMPUTATION
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If a penalty is applied, it will be: 

If the term of the account is less than one year, you will forfeit an amount equal to all dividends for 45 days on the amount withdrawn.

If the term of the account is one year or more, you will forfeit an amount equal to all dividends for 180 days on the amount withdrawn.

Frequently Asked Questions

Discover More

Kundan, Bay Area artist.
Putting her first since 2016.
BUSINESS TERM LOANS

Strengthen or expand your business

Get the cash you need to expand, purchase new equipment, or take on new challenges

 

Learn More
Kundan, Bay Area artist.
Putting her first since 2016.
Nehemiah, international photographer.
Putting him first since 2012.
BUSINESS PLATINUM VISA CREDIT CARD

Get the business-friendly card that pays you back

Get rewards, overdraft protection, and more with the card that keeps up with your business. Avoid fees and get the credit you need without paying high rates.

 

Learn More
Nehemiah, international photographer.
Putting him first since 2012.

Let's Talk

We want to get to know your business and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.

Call

(415) 674-4800
(888) 499-FIRE (3473)
Mon ‚Äď Sat 7:00 AM ‚Äď 8:00 PM

 

Stop by a branch

Branch hours
Mon ‚Äď Fri 8:30 AM ‚Äď 6:00 PM
Saturday 8:30 AM ‚Äď 3:00 PM

Find a Branch or ATM