Steven, owner of Ciara West Equestrian.
Member since 2015.
Member since 2015.
Minimum
$250
We Offer
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 your business 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 your business. We'll keep it safe and sound, and, more importantly, make sure it grows.
Term Certificate Rates
Term
3 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 0.5% | 0.50% |
Term
5 Month Promotional Offer
Rate applies only to accounts funded with money not currently held at SF Fire Credit Union.
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 4.00% | 3.92% |
Term
6 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 1.00% | 1.00% |
Term
1 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.00% | 1.98% |
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 | 2.50% | 2.47% |
Term
3 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 2.75% | 2.71% |
Term
5 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $250 | 3.00% | 2.96% |
Rates effective as of 11/8/2024. 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.
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.
Jumbo Term Certificate Rates
Term
3 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 0.5% | 0.50% |
Term
6 Month
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 1.00% | 1.00% |
Term
1 Year
| Minimum Deposit/Minimum Balance | APY* | Dividend |
|---|---|---|
| $100,000 | 2.00% | 1.98% |
Rates effective as of 11/1/2024. 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.
Frequently Asked Questions
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How much of a deposit do I need to open a Term Certificate?
-
When can I add more funds to a Term Certificate?
-
How does a Bump Up Term Certificate work?
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What happens if I need to withdraw from a Term Certificate before it matures?
Discover More
Kundan, Bay Area artist.
Member since 2016.
Member since 2016.
Business Checking
Get free, no-hassle business checking
Our business checking account is free, easy, and has no minimum balance or monthly fee.
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Member since 2016.
Nehemiah, international photographer.
Member since 2012.
Member since 2012.
BUSINESS PLATINUM VISA CREDIT CARD
Get the business-friendly card that pays you back
Get rewards, overdraft protection, and more with the card that keeps up with your business. Avoid fees and get the credit you need without paying high rates.
Learn More
Member since 2012.
Let's Talk
We want to get to know your business 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
