Certificates
Certificates of Deposit (CDs)
Certificates are an effective way to save for those who are looking for stability and protection of their principal over a period of time. Consider including CDs as part of your investment plan. You can also move your deposits from your 401k into a self-directed IRA certificate.
Terms
The Credit Union offers terms from three to sixty months. These various terms provide you the flexibility of “laddering” your deposits over various periods of time. If you are concerned over the volatility of the stock market, saving your money in a long-term certificate may be an option.
*Terms & Conditions: Promotional rate valid for net new deposits only with funds that are not currently held at San Francisco Federal Credit Union; transfer of existing deposits do not qualify. Minimum deposit of $1,000 required, with no maximum deposit for a term of 11 months at 4.074% Annual Percentage Yield (APY). Funds will automatically roll over into a standard 12-month Certificate of Deposit at the end of the term. Early withdrawal penalties may apply. Rates, terms, and conditions are subject to change at any time. For more information, please call or visit a local branch: rzu.zsdzi1.com/locations.
Certificate Rates
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 3 Months | 0.399% | 0.40% |
| 6 Months | 0.499% | 0.50% |
| 11-Month Special* | 4.00% | 4.07% |
| 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: 02/07/2024
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 11-Month Special* | 4.00% | 4.07% |
| 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: 02/07/2024
Certificates FAQs
When you open your CD with us, you will have the opportunity to make arrangements for the money upon the CD maturity date. If you do not make arrangements then, there is a 10-day grace period after your CD reaches maturity during which time you may roll over your balance to a new CD, add funds to the account or reduce the balance. You can also transfer the money to a different account or close the account without penalty.
If you want to roll over your balance to a new CD, please contact us for the latest dividend rates and Annual Percentage Yield (APY) and to discuss term options. We can be reached during regular business hours at 415-775-5377.
Contact Us for more information or call 415-775-5377