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SFPCU Savings


Your financial strategy likely involves a mixture of options with varying degrees of risk. When you’re balancing your portfolio, consider SFPCU’s Certificates as a steady investment with terms that ensure your money’s liquidity. We help first responder members in California diversify their savings.

You also can use SFPCU’s Certificates to create a “ladder” strategy in which your Certificates’ terms mature every month to provide extra income if you need it, or allow you to re-invest if you don’t. Get started today for as little as $500.

Open Your Account

Features & Benefits

  • Terms range from 3 months to 5 years
  • Guaranteed rate of return for the term
  • No monthly service or maintenance fees
Rates Effective: September 1, 2017
AccountMinimumTermDividend RateAPY
3 Mo. Certificate$5003 Months0.20%0.20%
6 Month Certificate$5006 Months0.30%0.30%
1 Year Certificate$50012 Months0.50%0.50%
2 Year Certificate$50024 Months0.85%0.853%
3 Year Certificate$50036 Months1.25%1.258%
4 Year Certificate$50048 Months1.45%1.460%
5 Year Certificate$50060 Months1.85%1.867%

Current Fee Schedule

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.

  • Accessibility
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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