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Certificates

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.

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Features & Benefits

Terms range from 3 months to 5 years
Guaranteed rate of return for the term
No monthly service or maintenance fees

Certificates

Rates Effective: February 2, 2015

Account	Minimum	Term	Dividend Rate	APY
3 Mo. Certificate	$500	3 Months	0.20%	0.20%
6 Month Certificate	$500	6 Months	0.25%	0.25%
1 Year Certificate	$500	12 Months	0.40%	0.40%
2 Year Certificate	$500	24 Months	0.55%	0.55%
3 Year Certificate	$500	36 Months	0.90%	0.90%
4 Year Certificate	$500	48 Months	1.05%	1.06%
5 Year Certificate	$500	60 Months	1.50%	1.51%

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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.

3 Month Certificate	0.20% APY
6 Month Certificate	0.25% APY
3 Year Certificate	0.90% APY
4 Year Certificate	1.06% APY
5 Year Certificate	1.51% APY