Effective September 1, 2010
Share/Savings
| ACCOUNT | MIN. TO OPEN | MIN. TO EARN APY* | TERM | DIVIDEND RATE*** | ANNUAL PERCENTAGE YIELD*+ |
|---|
| Savings | $25 | $25 | NONE | .25%
| .25% |
Tiered Savings Accounts1
| ACCOUNT | BALANCE | TERM | DIVIDEND RATE*** | ANNUAL PERCENTAGE YIELD*+ |
|---|
| Tiered Savings | $0 - $4,999.99 | NONE | 0.25%
| 0.25% |
| Tiered Savings | $5,000 - $14,999.99 | NONE | 0.35%
| 0.35% |
| Tiered Savings | $15,000 - $24,999.99 | NONE | 0.55%
| 0.55% |
| Tiered Savings | $25,000 - $49,999.99 | NONE | 0.65%
| 0.65% |
| Tiered Savings | $50,000 and over | NONE | 0.75%
| 0.75% |
Money Market Wealth Builder Account2
| ACCOUNT | BALANCE | TERM | DIVIDEND RATE*** | ANNUAL PERCENTAGE YIELD*+ |
|---|
| Money Market Wealth Builder | $0 - $49,999.99 | Open-ended | 0.25%
| 0.25% |
| Money Market Wealth Builder | $50,000 - $99,999.99 | Open-ended | 0.90%
| 0.90% |
| Money Market Wealth Builder | $100,000 - $149,999.99 | Open-ended | 1.00%
| 1.01% |
| Money Market Wealth Builder | $150,000 and over | Open-ended | 1.10%
| 1.11% |
Checking3
| ACCOUNT | MIN. TO OPEN | MIN. TO EARN APY* | TERM | DIVIDEND RATE*** | ANNUAL PERCENTAGE YIELD*+ |
|---|
| Global ATM Checking | $25 | NONE | NONE | 0.10%
| 0.10% |
| SFPCU Checking | $25 | NONE | NONE | 0.10%
| 0.10% |
| Balance Checking | $25 | NONE | NONE | 0.00%
| NONE |
| Business Checking | $25 | NONE | NONE | 0.00%
| NONE |
Certificates4
| ACCOUNT*** | MINIMUM | TERM | DIVIDEND RATE* | ANNUAL PERCENTAGE YIELD* |
|---|
| 3 - Months | $500 | 3 MOS. | 0.55%
| 0.55% |
| 6 - Months | $500 | 6 MOS. | 0.75%
| 0.75% |
| 1 - Year | $500 | 12 MOS. | 1.00%
| 1.01% |
| 2 - Year | $500 | 24 MOS. | 1.50%
| 1.51% |
| 3 - Year | $500 | 36 MOS. | 2.25%
| 2.27% |
| Special 3 - Year | $25,000 | 36 MOS. | 2.30%
| 2.32% |
IRAs5
| ACCOUNT | MINIMUM | TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD |
|---|
| IRA Savings+ | $100 | NONE | .25%
| .25% |
| 1 - Year*** | $500 | 12 MOS. | 1.00%
| 1.01% |
| 2 - Year*** | $500 | 24 MOS. | 1.50%
| 1.51% |
| 3 - Year*** | $500 | 36 MOS. | 2.25%
| 2.27% |
Holiday Account6
| ACCOUNT | MIN. TO OPEN | MIN. TO EARN APY | TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD* |
|---|
| Holiday | NONE | $0 | NONE | .25%
| .25% |
Under 18 Accounts7
| ACCOUNT | MIN. TO OPEN | MIN. TO EARN APY* | TERM | DIVIDEND RATE | ANNUAL PERCENTAGE YIELD** |
|---|
| Looney Tunes & Teen | $25 | $25 | NONE | .25%
| .25% |
GENERAL TERMS & CONDITIONS: All information in this Rate Sheet is subject to change. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month. Please refer to your "About Your Credit Union Accounts" brochure for further information on all SFPCU Accounts.
- The minimum deposit to open an account is $500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account.
- The minimum deposit to open an account is $50,000. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations.
- ** Dividend rates and yields may change after you open your account. Above anticipated rates are subject to availability of funds.
- ***Certificates are available for the range of days stated above. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date.
- ***Individual Retirement Accounts are available for the range of days stated above. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.
+ Rates and yields may change after you open your account. APY is accurate as of the last dividend declaration date, which is the last day of each month.
- *Rates/ Yields are subject to change. Fees could reduce earnings on the account. Call for current rates at 415.564.3800 or 415.242.2142 - MemberLink. Above anticipated rates are subject to availability of funds.
- *Rates/ Yields are subject to change.
**Rates/yields may change after you open your account. Fees could reduce earnings on the account. Call for current rates at 415.564.3800 or 415.242.2142 - MemberLink. APY is accurate as of the last dividend declaration date, which is the last day of each month.