We will be performing Online Banking maintenance on Saturday, December 15 and Sunday, December 16, 2018. Maintenance will begin each night at 9:00 p.m. PST and end by 1:00 a.m. PST the following morning. During the maintenance windows, you may experience brief interruptions in service. We apologize for the inconvenience.
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: December 1, 2018
AccountMinimumTermDividend RateAPY
3 Mo. Certificate$5003 Months0.20%0.20%
6 Month Certificate$5006 Months0.60%0.602%
1 Year Certificate$50012 Months1.00%1.005%
2 Year Certificate$50024 Months1.40%1.409%
3 Year Certificate$50036 Months1.75%1.764%
4 Year Certificate$50048 Months2.00%2.018%
5 Year Certificate$50060 Months2.25%2.273%

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.