Hannah, sci-fi/fantasy enthusiast. Galaxy, local cat.
Putting them first since 2017
Putting them first since 2017
$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. An SF Fire Credit Union Term Certificate puts you 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 you. 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*
Term
3 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.05% | 0.05% |
Term
6 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.10% | 0.10% |
Term
1 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.20% | 0.20% |
Term
18-Month Bump Up1
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.20% | 0.20% |
Term
2 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.25% | 0.25% |
Term
3 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.35% | 0.35% |
Term
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. Interest rate for Term Certificates is fixed for the length of the term.
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*
Term
3 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 0.05% | 0.05% |
Term
6 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 0.10% | 0.10% |
Term
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
-
How much of a deposit do I need to open a Term Certificate?
-
When can I add more funds to a Term Certificate?
-
What happens if I need to withdraw from a Term Certificate before it matures?
-
How does a Bump Up Term Certificate work?
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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*
*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