Best Certificate Rate

We’re ready to rescue you from low rates

Earn 5.00% APY* with our 10-Month Certificate

Lock In Rate

Sound the alarm; this rate is fire.

If you’re watching your money smolder in some bank’s vault earning next to no interest, consider moving some — or all of it—  to SF Fire Credit Union.

We’re a not-for-profit, privately insured, smart alternative to banks. Founded by firefighters but open to everyone in the Bay Area – check if you’re eligible to join

The best part is you can open a high-yield 10-month Term Certificate and fund it with as little as $250 in new money to start earning 5.00% APY.

Open Online

You can also visit a branch or call us at (415) 674-4800.


Promotional Rate effective as of 3/14/2024. Offer subject to change without notice.   

Promotional rate valid for net new deposits only with funds that are not currently held at SF Fire Credit Union.  See all rates.  

*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. Dividend rate for Term Certificates is fixed for the length of the term. 

Active and retired Fire Department employees qualify for a 0.10% rate bump on these term certificates. Premium is the same for SFFD and Non-SFFD alike.

Term Certificates have a required minimum deposit of $250. 

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.