TERM CERTIFICATES

Rates effective as of 2/20/2026. Rates are subject to change at any time without notice.

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.

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

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 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 APY will 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.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. 

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.

 Rates effective as of 2/20/2026. 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.