Current Promotions

¹CD Promo: 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. 

Promotional 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. 

Promotional 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 

²North Star Money Market Promo: To qualify for this offer, either new or existing members must open a new Checking Account and a new Money Market Account during the promotion period beginning on June 1, 2026, through September 30, 2026. This special promotional period ends on September 30, 2026. Both the new Checking and Money Market Accounts must be opened concurrently and funded exclusively with new money – funds currently held in any deposit account at San Francisco Federal Credit Union are not eligible. Transfers from existing accounts held at San Francisco Federal Credit Union do not qualify. All requirements for the promotion as indicated below must be met to receive the promotional rates. New Members must open and maintain a share savings account in good standing. San Francisco Federal Credit Union reserves the right to verify eligibility and qualifying activity and to deny or recover bonuses in cases of fraud, misuse, or promotional abuse.

New Money Requirement & Balance Requirement 

A minimum deposit of $2,500 in new money must be made into the new Checking Account at the opening. New money is defined as funds originating from an external financial institution. 

A minimum deposit of $20,000 in new money must be put into the new Money Market Account at the time of account opening. Funds transferred from an existing account at this institution, including any savings, checking, or any other existing accounts, do not constitute new money and will not count toward this requirement. Each deposit source will be evaluated separately. All accounts must be maintained in good standing. 

Promotional Rate, APY, Tiers, & Rate Reversion and Changes 

A promotional Annual Percentage Yield (APY) of 4.00% will apply to the qualifying balance for the promotional period, subject to the relationship and balance requirements above. Beginning on October 1, 2026, the account reverts to the then-applicable standard variable APY by tier and apply to the full balance. Once the promotional period ends, the following variable interest rates will apply to your account balances: 2.50% APY on balances greater than $20,000, and 0.100% APY on balances between $19,999 and $2,500. The Standard APY is variable and may change at any time at our discretion without prior notice, subject to applicable law. The APY assumes interest remains on deposit for a full 365-day year. Withdrawals of interest will reduce earnings. Interest is compounded daily and credited monthly. The Checking Account is a non-interest-bearing account. For example, a deposit of $20,000 earning 4.00% APY for the full promotional period of 120 days expiring on September 30, 2026, followed by the then-applicable standard variable APY that is 2.50% as of June 1, 2026. Actual earnings will vary based on balance, rate changes, and the timing of deposits and withdrawals. This is not a guaranteed return. APY is subject to change without notice. 

Tax Information, Terms, & Limitations 

A form 1099-INT will be issued if required by the IRS. Money Market Account terms and conditions apply. Fees may reduce earnings. Federal law limits certain types of withdrawals and transfers to a combined total of six per monthly statement cycle. Transaction fees may apply, see Member Handbook and Schedule of Fees for details. This offer is limited to one bonus per member, per household. Both accounts must be held in the same ownership capacity (e.g. individual, joint). Joint accounts are eligible. Offer may not be combined with any other promotional offer. We reserve the right to modify or cancel this offer at any time without prior notice. Offer is void where prohibited by law. Additional terms and conditions may apply. 

³Auto Refinance Promo: APR = Annual Percentage Rates. For all loans, the actual APR is determined at the time a credit decision is rendered and may be higher than the lowest rates available. Credit history, loan terms, mileage, age of collateral, and amount borrowed are all factors that determine the rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval. Financing is available only on vehicles with 100,000 miles or less. If a payment is late, a fee of $5 or 3% of the payment due, whichever is greater, will be charged. You must use promo code GOLDENRATE to receive this offer. Auto refinance offer cannot be combined with any other promotional or non-promotional offers. Auto loan must be from a third-party lender. Additional Terms and Conditions may apply. Offer is valid from 12/15/2025 through 12/31/2026. 

⁴Home Lending Closing Cost Credit Promo: Up to $1,200 in lender credits available for purchase and refinance mortgage loan products. Lender credits to be applied at closing and on non-recurring closing costs. Offer available for a limited time for purchase and refinance applications with valid physical addresses received between January 1, 2026, and September 30, 2026. To qualify, members must be in good standing with San Francisco Federal Credit Union, maintain at least $1.00 in a share account (savings, money market, or checking), have no delinquent or derogatory accounts with San Francisco Federal Credit Union, and meet eligibility requirements for additional credit union services. Other terms and conditions may apply.