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Savings

Account Choices

Regular Savings

The SFPCU Savings Account is the perfect account to help you reach your savings goals.  Open an SFPCU Savings Account with a low minimum balance, no monthly fees, and access to your cash anytime.  

Features and Benefits

Rates and Fees

Share/Savings - Current Rates

Effective September 1, 2010

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
Savings$25$25NONE.25% .25%

To view the Fee Schedule Click Here 

Terms & Conditions: Rates/yields may change after you open your account. 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. APY is accurate as of the last dividend declaration date, which is the last day of each month. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Apply Now

Opening a new account is easy.  To get started, you can choose to apply any one of the following ways:

  • Complete the Online Account Application - Apply Online 
  • Visit a branch location and meet with a Member Services Representative
  • Call us at 800.222.1391 to speak with a Member Services Representative

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Tiered Savings

Our Tiered Savings Account offers a high degree of liquidity and balance tiers so you can earn more when you save more. The minimum balance to maintain this account is $500.

Features and Benefits

Rates and Fees

Tiered Savings Accounts - Current Rates

Effective September 1, 2010

ACCOUNTBALANCETERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
Tiered Savings$0 - $4,999.99NONE0.25% 0.25%
Tiered Savings$5,000 - $14,999.99NONE0.35% 0.35%
Tiered Savings$15,000 - $24,999.99NONE0.55% 0.55%
Tiered Savings$25,000 - $49,999.99NONE0.65% 0.65%
Tiered Savings$50,000 and overNONE0.75% 0.75%

To view the Fee Schedule Click Here 

Terms & Conditions: The minimum deposit to open an account is $500. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Rates/yields may change after you open your account. 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. APY is accurate as of the last dividend declaration date, which is the last day of each month. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Apply Now

Opening a new account is easy.  To get started, you can choose to apply any one of the following ways:

  • Complete the Online Account Application - Apply Online 
  • Visit a branch location and meet with a Member Services Representative
  • Call us at 800.222.1391 to speak with a Member Services Representative

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Youth Accounts

It’s never too early to start saving! SFPCU offers two youth savings programs to help young Members build a sound financial future. Enjoy easy account access, quarterly newsletters for teens, prizes and more!

Features and Benefits

Visit the Kids and Teens Program pages for more information:

youth icon teen icon

Rates and Fees

Youth Accounts - Current Rates

Effective September 1, 2010

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
Looney Tunes & Teen$25$25NONE.25% .25%

To view the Fee Schedule Click Here 

Terms & Conditions: Rates/yields may change after you open your account. 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. APY is accurate as of the last dividend declaration date, which is the last day of each month. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Apply Now

Our youth accounts require a few additional steps. Please read the following information to ensure you are submitting a complete and accurate application.

  • Complete the Member Information section with your child’s information
  • A joint owner is required for all under 18 accounts, but does not need to be the parent or legal guardian of the child.
  • Joint owner must complete the Joint Member Information section.

Different Ways To Apply for Membership:

  1. Apply Online: Complete an Online Membership Application - Apply Online 
  2. Apply in Person: Visit a branch location and meet with a Member Services Representative
  3. Apply by Mail:
    • Download our Membership Application (pdf 1.5mb), or request a Membership Application by phone at 800.222.1391 or email Member Services and we will mail one to you
    • After you complete the Membership Application (pdf 1.26mb), please sign and mail to:
      Member Services
      SF Police Credit Union
      P.O. Box 22219
      San Francisco, CA 94122 -0219
    • Please include a copy of your current driver's license or state issued identification card and an initial deposit of at least $25 with your membership application to open your child's account.
    • Please sign on both Member signature lines (top and bottom) in the following format:
      Example: John Doe Jr. by John Doe (Father) or John Doe Jr. by Jane Doe (Mother)
      Accounts for individuals who are under 18 require specific signatures. The Parent/legal guardian must sign on behalf of the minor who's establishing an account.
    • Joint owner must also sign the application at the top.
  4. Apply by Phone: Call us at 800.222.1391 to speak with a Member Services Representative

Holiday Account

The Holiday Account may be the perfect way for you to save for your holiday expenses. You decide how much you want to contribute on a monthly basis. Checks from the money you save are mailed out in early November, allowing you plenty of time to shop for gifts or plan your winter vacation.

Features and Benefits

  • No minimum balance is required to open and maintain account
  • No monthly service fees
  • Dividends earned, paid monthly 
  • Payroll deduction is an effortless, systematic way to save

Rates and Fees

Holiday Account - Current Rates

Effective September 1, 2010

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
HolidayNONE$0NONE.25% .25%

To view the Fee Schedule Click Here 

Terms & Conditions: Rates/yields may change after you open your account. 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. APY is accurate as of the last dividend declaration date, which is the last day of each month. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Apply Now

Opening a new account is easy.  To get started, you can choose to apply any one of the following ways:

  • Complete the Online Account Application - Apply Online 
  • Visit a branch location and meet with a Member Services Representative
  • Call us at 800.222.1391 to speak with a Member Services Representative

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Certificates

Earn high yields and lock in your rate for the life of the term. With as little as $500, you can invest in an SFPCU Certificate that is federally insured. A sound savings solution in a volatile economy.

Features and Benefits

  • Guaranteed rate of return for the term
  • No monthly service or maintenance fees
  • Certificates range from 3 months to 3 years
  • A special, high yield 3-year Certificate is available with a minimum deposit of $25,000
  • Federally insured by the National Credit Union Administration

Rates and Fees

Certificates - Current Rates

Effective September 1, 2010

ACCOUNTMINIMUMTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
3 - Months$5003 MOS.0.55% 0.55%
6 - Months$5006 MOS.0.75% 0.75%
1 - Year$50012 MOS.1.00% 1.01%
2 - Year$50024 MOS.1.50% 1.51%
3 - Year$50036 MOS.2.25% 2.27%
Special 3 - Year$25,00036 MOS.2.30% 2.32%

To view the Fee Schedule Click Here 

Terms & Conditions: Rates/yields are subject to change. Fees could reduce earnings on the accounts. 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. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

Apply Now

Opening a new account is easy.  To get started, you can choose to apply any one of the following ways:

  • Complete the Online Account Application - Apply Online 
  • Visit a branch location and meet with a Member Services Representative
  • Call us at 800.222.1391 to speak with a Member Services Representative

Not a current SFPCU member? Click here for information on how to become an SFPCU member.

Compare Accounts

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  Regular   Tiered Youth Holiday Certificates
Minimum Opening Deposit

$25

$500

$25

None

$500
Earns Dividends

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Online Banking and E-statements 

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Access Your Account and Perform
Transactions at Over 6,000
Shared Branching Locations

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No Monthly Fees

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