Certificate and Individual Retirement Account (IRA) Certificate Rates

Premium Certificate Rates Partner & Ambassador learn more 1 2 3 4 5 6 7

Term $1,000-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 >$100,000
Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield
3 months 0.350% 0.351% 0.350% 0.351% 0.400% 0.401% 0.450% 0.451% 0.500% 0.501%
6 months 0.400% 0.401% 0.400% 0.401% 0.450% 0.451% 0.600% 0.602% 0.650% 0.652%
12 months 0.700% 0.702% 0.700% 0.702% 0.750% 0.753% 0.900% 0.904% 0.950% 0.954%
18 months 0.750% 0.753% 0.750% 0.753% 0.800% 0.803% 0.950% 0.954% 1.000% 1.005%
24 months 0.900% 0.904% 0.900% 0.904% 0.950% 0.954% 1.100% 1.106% 1.150% 1.156%
36 months 1.100% 1.106% 1.100% 1.106% 1.150% 1.156% 1.300% 1.308% 1.350% 1.358%
48 months 1.500% 1.510% 1.500% 1.510% 1.550% 1.561% 1.700% 1.713% 1.750% 1.764%
60 months 2.000% 2.018% 2.000% 2.018% 2.050% 2.069% 2.200% 2.222% 2.250% 2.273%


Certificate Rates Standard learn more 1 2 3 4 5 6 7

Term $1,000-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 >$100,000
Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield
3 months 0.100% 0.100% 0.100% 0.100% 0.150% 0.150% 0.200% 0.200% 0.250% 0.250%
6 months 0.150% 0.150% 0.150% 0.150% 0.200% 0.200% 0.350% 0.351% 0.400% 0.401%
12 months 0.450% 0.451% 0.450% 0.451% 0.500% 0.501% 0.650% 0.652% 0.700% 0.702%
18 months 0.500% 0.501% 0.500% 0.501% 0.550% 0.551% 0.700% 0.702% 0.750% 0.753%
24 months 0.650% 0.652% 0.650% 0.652% 0.700% 0.702% 0.850% 0.853% 0.900% 0.904%
36 months 0.850% 0.853% 0.850% 0.853% 0.900% 0.904% 1.050% 1.055% 1.100% 1.106%
48 months 1.250% 1.257% 1.250% 1.257% 1.300% 1.308% 1.450% 1.460% 1.500% 1.510%
60 months 1.750% 1.764% 1.750% 1.764% 1.800% 1.815% 1.950% 1.968% 2.000% 2.018%


Premium IRA Certificates Partner & Ambassador learn more 1 2 3 4 5 6 7

Term $1,000-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 >$100,000
Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield
12 months 0.700% 0.702% 0.700% 0.702% 0.750% 0.753% 0.900% 0.904% 0.950% 0.954%
18 months 0.750% 0.753% 0.750% 0.753% 0.800% 0.803% 0.950% 0.954% 1.000% 1.005%
24 months 0.900% 0.904% 0.900% 0.904% 0.950% 0.954% 1.100% 1.106% 1.150% 1.156%
36 months 1.100% 1.106% 1.100% 1.106% 1.150% 1.156% 1.300% 1.308% 1.350% 1.358%
48 months 1.500% 1.510% 1.500% 1.510% 1.550% 1.561% 1.700% 1.713% 1.750% 1.764%
60 months 2.000% 2.018% 2.000% 2.018% 2.050% 2.069% 2.200% 2.222% 2.250% 2.273%


IRA Certificates Standard learn more 1 2 3 4 5 6 7

Term $1,000-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 >$100,000
Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield
12 months 0.450% 0.451% 0.450% 0.451% 0.500% 0.501% 0.650% 0.652% 0.700% 0.702%
18 months 0.500% 0.501% 0.500% 0.501% 0.550% 0.551% 0.700% 0.702% 0.750% 0.753%
24 months 0.650% 0.652% 0.650% 0.652% 0.700% 0.702% 0.850% 0.853% 0.900% 0.904%
36 months 0.850% 0.853% 0.850% 0.853% 0.900% 0.904% 1.050% 1.055% 1.100% 1.106%
48 months 1.250% 1.257% 1.250% 1.257% 1.300% 1.308% 1.450% 1.460% 1.500% 1.510%
60 months 1.750% 1.764% 1.750% 1.764% 1.800% 1.815% 1.950% 1.968% 2.000% 2.016%


Liquid Certificate 1 2 3 6 8

Term $1,000-$9,999 $10,000-$24,999 $25,000-$49,999 $50,000-$99,999 >$100,000
Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield Dividend Rate Annual % Yield
7 months N/A N/A 0.150% 0.150% 0.150% 0.150% 0.150% 0.150% 0.150% 0.150%



Note: Rates effective date

Term & Conditions:

1 The certificate rates presented here are accurate as of the above date. Current rates may be obtained by calling us at (650) 723-2509, toll free (888) 723-7328 or by visiting our website at www.sfcu.org.

2 The rate in effect at the time of purchase is the rate you will be paid for the entire term of the Certificate. The Annual Percentage Yield (APY) assumes dividends will remain on deposit until maturity. A withdrawal will reduce your earnings.

3 No additional deposits are permitted to a Certificate once it is opened, unless otherwise disclosed.

4 Any reduction of the principal amount below the minimum principal tier for the rate established at Certificate origination will terminate the Certificate. We may impose the following penalties for early withdrawal of a Certificate. The penalty for Certificate of initial term less than one year will be equal to ninety (90) days of dividends. The penalty for Certificates of one year or greater will be equal to one hundred eighty (180) days of dividends. The penalty for Certificates of four years or greater will be equal to three hundred sixty five (365) days of dividends.

5 The penalty may be deducted from either dividends or principal.

6 This Certificate is non-negotiable and non-transferable.

7 You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. A grace period for withdrawal after automatic renewal of seven (7) days will apply. Thereafter, withdrawals of principal balance on the renewed Certificate will again be subject to an early withdrawal penalty until the Maturity Date.

8 You will be given notice of the Maturity Date thirty (30) days in advance. The Certificate will renew automatically at Maturity for a like term. The Interest Rate and Annual Percentage Yield on the renewal certificate will be the rate then in effect for like Certificate. Any reduction of the principal amount below the $10,000 minimum will terminate the Liquid Certificate and incur an Early Closing Fee of $100. Penalty free withdrawals until $10,000 minimum balance.