Putting them first since 2015.
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.
To open an account, please give us a call or visit us at a branch.
Term Certificate Rates*
3 Month
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.05% | 0.05% |
6 Month
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.10% | 0.10% |
1 Year
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.20% | 0.20% |
18-Month Bump Up1
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.20% | 0.20% |
2 Year
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.25% | 0.25% |
3 Year
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.35% | 0.35% |
5 Year
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$250 | 0.40% | 0.40% |
*Rates effective as of 11/17/20. 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.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.
If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473), from 7am to 8pm (Pacific Time) Monday through Saturday
1If 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*
3 Month
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$100,000 | 0.05% | 0.05% |
6 Month
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$100,000 | 0.10% | 0.10% |
1 Year
Minimum Deposit/Minimum Balance | APY* | Dividend |
---|---|---|
$100,000 | 0.20% | 0.20% |
*Rates effective as of 11/17/20. 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.
Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.
If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE (3473) from 7am to 8pm (Pacific Time) Monday through Saturday
Frequently Asked Questions
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How much of a deposit do I need to open a Term Certificate?
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When can I add more funds to a Term Certificate?
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How does a Bump Up Term Certificate work?
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What happens if I need to withdraw from a Term Certificate before it matures?
Discover More
Putting her first since 2016.
Strengthen or expand your business
Get the cash you need to expand, purchase new equipment, or take on new challenges
Learn More

Putting her first since 2016.
Putting him first since 2012.
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

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 or Chat
(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM*
*Please note that 'After Hours Phone Support' is available outside of regular Contact Center Hours.
Stop by a branch
Branch hours
Mon – Fri 8:30 AM – 6:00 PM
Saturday 8:30 AM – 3:00 PM