Two Great CD Rates
One Smart Savings Move
3.30% APY 7-Month CD1
3.50% APY 13-Month CD2
7-MONTH CD
3.30% APY1
BEST FOR
members who prefer short-term savings strategies with a fixed rate
13-MONTH CD
3.50% APY2
BEST FOR
members who want stronger returns, stable earnings, and predictable savings growth
A stable way to grow your wealth
Certificates of deposit offer stability and confidence by allowing your funds to work for you with a fixed, guaranteed return, and protects your investment from market volatility and fluctuating interest rates.
How it Works
Open an account online or in a branch
Choose a CD that works for you
Deposit $1,000 or more
Our bankers are ready to answer your questions.
Why San Francisco Federal?
Whether you are opening your first account or planning your next big move, San Francisco Federal has the products, services, and the people to take you further. From everyday banking to mortgages, Private Banking, and beyond we are rooted in your neighborhood and focused on wherever you are headed next.
NCUA insured up to $250,000, the same level of protection as any major bank
Rated 5 stars by BauerFinancial
Recognized by Newsweek as one of America's best credit unions
Want to make a smart savings move today?
Open a 13-month or 7-month CD before September 30, 2026.
Offers valid starting June 1, 2026 for the 13-month CD promo and June 15, 2026 for the 7-month CD promo through September 30, 2026. Offers apply to new money only. New money is defined as funds not currently on deposit with San Francisco Federal Credit Union. Transfers from existing San Francisco Federal Credit Union accounts do not qualify. A minimum deposit of $1,000 in new money is required. A penalty may be imposed for early withdrawal. Offer, rates available for new certificates, terms, and conditions are subject to change without notice. Offer may not be combined with any other promotional or non-promotional offer. Membership eligibility required. Additional terms and conditions may apply. See a Member Service Representative for details.
1Promotional rate applies to a 7-month Share Certificate earning 3.25% Interest Rate and 3.30% Annual Percentage Yield (APY). APY is accurate as of June 15, 2026. The certificate will automatically renew at maturity into the standard 6-month Share Certificate then in effect unless redeemed during the applicable grace period.
2Promotional rate applies to a 13-month Share Certificate earning 3.45% Interest Rate and 3.50% Annual Percentage Yield (APY). APY is accurate as of June 1, 2026. The certificate will automatically renew at maturity into the standard 12-month Share Certificate then in effect unless redeemed during the applicable grace period