Savings & Checking

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Effective April 1 , 2014

SAVINGS

ACCOUNTMIN. TO OPENMIN. TO EARN APY*TERMDIVIDEND RATE***ANNUAL PERCENTAGE YIELD*+
Savings$25$25NONE0.10% 0.10%

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TIERED SAVINGS ACCOUNTS1

ACCOUNTBALANCETERMDIVIDEND RATE***ANNUAL PERCENTAGE YIELD*+
Tiered Savings$0 - $14,999.99NONE0.10% 0.10%
Tiered Savings$15,000 - $49,999.99NONE0.15% 0.15%
Tiered Savings$50,000 and overNONE0.20% 0.20%

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MONEY MARKET WEALTH BUILDER ACCOUNT2

ACCOUNTBALANCETERMDIVIDEND RATE***ANNUAL PERCENTAGE YIELD*+
Money Market Wealth Builder$0 - $49,999.99Open-ended0.10% 0.10%
Money Market Wealth Builder$50,000 - $99,999.99Open-ended0.25% 0.25%
Money Market Wealth Builder$100,000 - $149,999.99Open-ended0.30% 0.30%
Money Market Wealth Builder$150,000 and overOpen-ended0.35% 0.35%

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CHECKING3

ACCOUNTMIN. TO OPENMIN. TO EARN APY*TERMDIVIDEND RATE***ANNUAL PERCENTAGE YIELD*+
Global ATM Checking$25NONENONE0.10% 0.10%
SFPCU Checking$25NONENONE0.10% 0.10%
Balance Checking$25NONENONE0.00% NONE
Business Checking$25NONENONE0.00% NONE

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CERTIFICATES4

ACCOUNT***MINIMUMTERMDIVIDEND RATE*ANNUAL PERCENTAGE YIELD*
3 - Months$5003 MOS.0.20% 0.20%
6 - Months$5006 MOS.0.25% 0.25%
1 - Year$50012 MOS.0.35% 0.35%
2 - Year$50024 MOS.0.50% 0.50%
3 - Year$50036 MOS.0.85% 0.85%
4 - Year$50048 MOS.1.05% 1.06%
5 - Year$50060 MOS.1.50% 1.51%

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IRAS5

ACCOUNTMINIMUMTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD
IRA Savings+$100NONE0.10% 0.10%
1 - Year***$50012 MOS.0.35% 0.35%
2 - Year***$50024 MOS.0.50% 0.50%
3 - Year***$50036 MOS.0.85% 0.85%
4 - Year***$50048 MOS.1.05% 1.06%
5 - Year***$50060 MOS.1.50% 1.51%

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HOLIDAY ACCOUNT6

ACCOUNTMIN. TO OPENMIN. TO EARN APYTERMDIVIDEND RATEANNUAL PERCENTAGE YIELD*
HolidayNONE$0NONE0.10% 0.10%

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UNDER 18 ACCOUNTS7

ACCOUNTMIN. TO OPENMIN. TO EARN APY*TERMDIVIDEND RATEANNUAL PERCENTAGE YIELD**
Looney Tunes & Teen$25$25NONE0.10% 0.10%

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.

  1. ***Certificates are available for the range of days stated to the left. 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. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For 24-36 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

  2. ***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.

  3. ** Dividend rates and yields may change after you open your account. Above anticipated rates are subject to availability of funds.
  4. ***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.

  5. ***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.

  6. *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.

  7. *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.

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