To celebrate 75 years of serving the Bay Area, we’re offering a limited-time Anniversary Term Certificate with a tiered promotional rate designed to help you earn more on cash you already have.
How The Rate Works
Introductory Promotional Period (First 90 Days) APYs:
- 7.50% APY on the first $3,000
- 4.00% APY on balances above $3,000
Remaining Term (Day 91 to Maturity) :
- 2.50% APY on the full balance until date of maturity
Fallback APY:
- 2.50% APY
Lock in a powerful return early while still enjoying the stability of a fixed-term certificate — plus you can get started with as little as $250.
How to Qualify (It’s easier than you think)
To earn the promotional rate, members simply need an active SF Fire checking account.
What “active” means:
Complete at least one qualifying transaction within thirty days of opening your certifi cate. That’s it.
Qualifying activity includes everyday banking actions such as:
- Debit card purchase (any amount)
- Direct deposit
- ATM deposit or withdrawal
- Bill Pay
- Mobile deposit
- Pay with a Check from the account
If the requirement isn’t met, the certificate will earn 2.50% APY for the remaining term.
Ready to Get Started?
Promotional rate valid for net new deposits only with funds that are not currently held at SF Fire Credit Union.
New Members
Open the certificate and a checking account, and complete one qualifying checking transaction within thirty days.
Existing Members (without checking)
Open a checking account, open the certificate, and complete one qualifying checking transaction within thirty days.
Existing Members (with checking)
Open the certificate and complete one qualifying checking transaction — or continue to use your account as usual if your account is already active.
Let's Chat
As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.
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Branch hours
Mon – Fri 9:30 AM – 5:30 PM
Saturday 10:00 AM – 2:00 PM
Promotional Rate effective as of 02/09/2026. 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.
A primary member is allowed to open one (1) 10-Month Anniversary Tiered Term Certificate under the same member name and related tax identification number.
The minimum deposit required to open the 10-Month Anniversary Tiered Term Certificate is $250.
The 10-Month Anniversary Tiered Term Certificate is a tiered step-down rate structure. Dividend rates and APYs vary based on the account balance, the period of time funds remain on deposit, and whether qualification requirements are met. The Dividend Rate and APY for this certificate are not fixed and may change during the term based on qualification status.
To earn the disclosed introductory Promotional Period APYs, qualification requirements must be met during each qualification period, as described below. If qualification requirements are not met for any qualification period during the term of the certificate, the Dividend Rate and APY will be reduced to the Fallback APY for that qualification period.
Introductory Promotional Period (First 90 days) APYs:
- 7.50% APY on the first $3,000
- 4.00% APY on balances above $3,000
Remaining Term (Days 91days – to Maturity):
- 2.50% APY on the full balance until date of maturity
Fallback APY:
- 2.50% APY
The Fallback APY is equal to the APY applicable during the remaining term of the certificate following the introductory Promotional Period.
Qualification Requirement:
- To earn the introductory Promotional Period APYs during the first 90 days of the term, you must complete at least one qualifying checking account transaction within first 30 days of open date of the term certificate.
- Qualifying checking account transactions include, but are not limited to, cash/check deposit or withdrawals, mobile deposits, direct deposits, debit card purchases, ATM transactions, bill payments, or check clearing transactions.
If the qualification requirement is not met within the 30-day period, the APYwill be reduced to 2.50% for the Certificate’s term.
At maturity, the Term Certificate will automatically convert to a one-year Term Certificate at the prevailing rate.
Active and retired Fire Department employees qualify for a 0.10% APY rate bump on Term Certificates Premium is the same for SFFD and Non-SFFD alike.
*APY = Annual Percentage Yield. The APY is the effective annual rate of return and assumes funds remain on deposit 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 7pm (Pacific Time) Monday through Friday, and 9am to 5pm (Pacific Time) on Saturdays.
