Higher Returns and Zero Surprises
Grow your savings with the stability and security of a share certificate from San Francisco FCU — or plan for a comfortable retirement with the tax advantages and growth of an IRA certificate in a Traditional or Roth IRA. Whether you’re saving for a specific goal, retirement, or simply looking to grow your money, share certificates offer a secure, low-risk way to achieve steady financial growth. Open a share certificate or IRA certificate today for guaranteed returns you can count on.
Are you already a member? Log into Online Banking or click here to open an account.
A Smarter Way to Grow Your Money
Competitive Rates
Grow your savings faster to maximize your returns over time.
Flexible Terms
Certificate term lengths are 3 to 60 months, and IRA certificate terms are 12 to 60 months.
Guaranteed Returns
Take advantage of stable and predictable growth to plan for the future.
Low Minimum Deposit
You only need a minimum opening balance of $1,000 to get started.
Share Certificates
Share certificates are a smart and stable way to maximize your savings! Enjoy guaranteed returns with a higher rate than other savings options in exchange for keeping your money in the account for a specific period of time. You only need $1,000 to get started, and flexible terms of 3 to 60 months are available to suit your financial goals.
Share Certificate Rates
Compare the following share certificate and IRA certificate terms and rates to see which account option fits your needs and goals.
Share Certificates
Minimum Balance for Certificates is $1,000
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 3 Months | 0.399% | 0.40% |
| 6 Months | 0.499% | 0.50% |
| 12 Months | 0.995% | 1.00% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for Certificates is $1,000.
Last Updated: 11/05/2024
IRA Certificates
Minimum Balance for IRA Certificates is $1,000
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 12 Months | 0.995% | 1.00% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for IRA Certificates is $1,000.
Last Updated: 11/05/2024
Additional Features of Our Share Certificates
Federally Insured
Accounts are insured by the NCUA for up to $250,000.
No Market Risk
Unlike stocks, share certificates are not subject to market fluctuations.
Certificate Laddering
Open multiple certificates with different term lengths for better liquidity and consistent returns.
No Monthly Fees
More money stays in the account so your savings can grow faster.
Fixed Dividend Rates
Enjoy predictable earnings without worrying about future rate changes.
Personalized Support
Our dedicated team is here to support you every step of the way.
Applying Is as Easy as 1-2-3!
Apply Online
Click the button below to fill out our short application, or drop by a branch.
We’ll Contact You
We’ll reach out to you and let you know when your account is ready, typically within one business day.
Grow Your Savings
Grow Your Savings
Why Choose San Francisco FCU?
At San Francisco Federal Credit Union, we prioritize our members’ needs over profits. We’re dedicated to helping our members achieve all of their financial goals, and we’re always just a phone call away if you ever have a question or need assistance.
In addition to our savings accounts, we offer a full range of financial products. We have you covered whether you need a loan, a credit card, a checking account, or something else. Become a member today for personalized service that puts your needs first!
Member Reviews
San Francisco Federal Credit Union Certificate Account FAQ
More Ways We Can Help You Grow Your Savings
Standard Savings Account
Opening a standard savings account with no deposit initiates your membership with San Francisco Federal Credit Union. The account makes saving easy and helps you build a strong financial foundation for the future.
Retirement Savings Account
It’s never too early to start growing your retirement nest egg. We offer both Traditional IRA and Roth IRA accounts so you can choose the best option for your needs and goals.
Youth Savings Account
Give your child or teen the tools they need to learn essential money management skills with a Youth Savings Account. Youth accounts encourage the development of smart money habits from an early age and reward you for doing so!
How Can We Support You?
We love hearing from you. Reach out to us online or visit one of our convenient branches in the Bay Area.