Deposit Accounts

If you find a Better Rate...We'll Beat It!

Best-in-Town Certificates

Because we are so serious about paying the highest yields on term Certificates, we will beat any recently published rate* of any California bank. It won't be easy to find higher advertised yields, but if you do, let us know and we'll verify the rate. If that published rate is higher than SFCU's published rate, we'll beat it using one of the two options listed below.

With as little as $1,000, members can invest in short-term Share Certificates.

There are the two ways to take advantage of this program: To reward you for your active Direct Deposits into your SFCU Checking Account we will give you an additional Beat-It bonus, bringing your rate a full 0.10% above the competition! Every member of SFCU, regardless of account relationships, is eligible for our basic program, which will "Beat the Rate" by 0.05%.

7-Month Liquid Certificate

Don’t leave your money in a low paying account! The 7-Month Liquid CD** gives you a great rate plus unlimited withdrawals without penalty. Bring deposits from other financial institutions to us today and increase your earning power.

  • A minimum deposit of $10,000 – Up to a maximum of $2,500,000
  • No penalties on withdrawals
  • No additions allowed during term
  • Fixed rate for the 7-month term
  • Balances under $10,000 will be closed and are subject to $100 early closure fee

Step-Up with SFCU's New "Step-Up" Certificate:

SFCU introduces a remarkably unique savings vehicle - the Step-Up Certificate. It's unique because during its 25-month term, you will have a one-time opportunity to "step-up" to a then-current higher rate. This new share certificate gives you flexibility when you're faced with the volatile rates of the current market. If rates go down, you're locked in at a higher rate. If rates go up, make use of a one-time opportunity to "step-up" your rate.

  • 25-month term
  • Minimum $1,000 opening deposit
  • One opportunity to step-up to a currently higher rate
  • Term remains the same
  • The new rate will be effective the day you notify us and will remain in effect until the Certificate’s original maturity date
  • Additional deposits may be made at anytime prior to maturity and earn from date of deposit
  • Step-Up IRA Certificate is also available

*Published means advertised via newspaper, WWW, radio or television. California based banks only. Internet-only banks and credit unions excluded. SFCU Certificates will be opened on the existing schedule of maturities. This offer applies to new Share Certificate, IRA Certificates and SFCU Certificates at maturity with comparable terms and minimum balance requirements. Cannot be used in conjunction with special rate promotions by other financial institutions or other bonus rate programs offered by SFCU such as the Step-Up and Liquid Share Certificate.

** Balances under $10,000 will be closed and are subject to a $100 early closure fee. SFCU promotional rate or rate bonus programs do not apply to the 7-Month Liquid Certificate Account. Rates are subject to change and valid for the stated term of the certificate.

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