Dwayne, enjoying retirement with Gridley.
Putting him first since 2019

IRA TERM CERTIFICATE

Best of both worlds

Sit back, relax, and let your money do the work

Why an IRA Term Certificate?

Smart
Rates
$100

An IRA Term Certificate gives you the satisfaction of a high-yield term certificate, and the peace of mind that comes with a tax-deferring IRA. It's an account that works twice as hard for you, making retirement and retirement planning the same: easy.

 

To open an account, give us a call, chat with us online, or visit us at a branch.

Fixed IRA Rate Certificates*

Term

1 Year

Minimum Deposit RequiredAPY*Dividend
$1000.20%0.20%
Term

18 Month Bump Up

Minimum Deposit RequiredAPY*Dividend
$1000.20%0.20%
Term

2 Year

Minimum Deposit RequiredAPY*Dividend
$1000.25%0.25%
Term

3 Year

Minimum Deposit RequiredAPY*Dividend
$1000.35%0.35%
Term

5 Year

Minimum Deposit RequiredAPY*Dividend
$1000.40%0.40%

*Rates effective as of 08/24/20. Listed rates are subject to change at any time.

Variable IRA Rate Certificates*

Term

60 Month

Minimum Deposit RequiredAPY*Dividend
$1000.15%0.15%

*Rates effective 7/20/20 and are subject to change at any time.

APY= Annual Percentage Yield. The APY is the effective annual rate of return and assumes the funds will remain in the deposit account for the full 365 days. Unless otherwise paid, excluding IRA's, the dividends will be credited to your account and compounded every month.

If you have any questions or need current rate information on your accounts, please call 415-674-4800 or 888-499-FIRE(3473) from 6am to 10pm (Pacific Time) seven days a week.

Discover More

Hannah & Martin, SFUSD supporters.
Putting them first since 2017.
CHECKING

Free checking you can count on

We offer the Bay Area's best checking account – easy, free, and with no minimum balance or monthly fee.

Learn More
Hannah & Martin, SFUSD supporters.
Putting them first since 2017.
Liz, proud Bay Area Native.
Putting her first since 2013.
PLATINUM VISA CREDIT CARD

Say goodbye to credit card fees

Get the card that cuts out fees while giving you rewards, overdraft protection, and leading rates.

Learn More
Liz, proud Bay Area Native.
Putting her first since 2013.

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 or Chat

(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.

Chat Now

Stop by a branch

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

Find a Branch or ATM

Contribution limits are based on modified annual gross income (modified AGI). Please see IRS Publication 590 for more details. Fee or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.