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Putting them first since 2017

TERM CERTIFICATES

Put a little away, get more back

Maximize your yield with an account that puts your money first.

Open an Account

Existing Members, scroll down for special instructions.

Why SF Fire Term Certificates?

$250
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. 

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 you. We'll keep it safe and sound, and, more importantly, make sure it grows.

How to Open a Term Certificate

New Members

Simply fill out to join SF Fire and open a Term Certificate

Existing Members

Login to Online & Mobile Banking to fund your Term Certificate from your existing SF Fire Checking or Savings. 

If you'd like to use funds from an external account, you'll need to transfer to one of your existing SF Fire accounts. 

External transfers may have limits and could take 1-3 days to post. 

Term Certificate Rates*

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2501.25%1.25%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$2501.75%1.75%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2503.00%2.96%
Term

18-Month Bump Up1

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

2 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2503.00%2.96%
Term

3 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2503.00%2.96%
Term

5 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$2503.00%2.96%

*Rates effective as of 9/21/2022. 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.
You may withdraw dividends earned on a monthly basis.

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.

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*

Term

3 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0001.25%1.25%
Term

6 Month

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0001.75%1.75%
Term

1 Year

Minimum Deposit/Minimum BalanceAPY*Dividend
$100,0003.00%2.96%

*Rates effective as of 9/21/2022. 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.
You may withdraw dividends earned on a monthly basis.

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

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Let's Talk

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.

Call

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

 

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

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