SFSU Alumni Partnership

******Terms and Conditions Apply. This offer is subject to change without notice. 

Cash Bonus:

¹$300 Cash Bonus is a limited time offer.   Eligibility for the $300 cash bonus is only available to new credit union members, and requires opening a new checking account and savings account, setting up a direct deposit of at least $500 per month for a minimum of three consecutive months, membership eligibility and completing three debit card transactions within 60 days of account opening.  The account must be in good standing to receive the bonus.  The direct deposit must be from San Francisco State University or a preapproved external source (e.g. payroll, pension, government benefits.) Qualifying transactions exclude ATM withdrawals and must post and clear the account within the 60-day period. The $300 bonus will be credited to your account within 90 days of meeting all criteria. Bonuses are considered interest and may be reported on IRS Form 1099-INT.

CD:

²Eligible members will receive an interest rate increase of 0.50 percentage points (50 basis points) above SFFCU’s then-current published interest rate for comparable non-promotional Certificate of Deposit (CD) accounts available at the time the account is opened or renewed. The 0.50% rate increase applies only to eligible CD products designated by SFFCU and is added to the standard non-promotional interest rate in effect on the account opening or renewal date. Promotional, special offer, negotiated-rate, brokered, institutional, and other excluded CD products are not eligible for this benefit. Rates are subject to change at any time without notice prior to account opening or renewal. Once opened, the CD will earn the interest rate and Annual Percentage Yield (APY) disclosed at account opening for the applicable term, subject to the terms of the account agreement. The resulting APY may be higher or lower than other promotional or special-rate products offered by SFFCU during the same period. Early withdrawal penalties may apply. Fees and withdrawals may reduce earnings. Offer may not be combined with other rate bonuses, promotions, or special pricing unless expressly authorized by SFFCU. SFFCU reserves the right to modify or discontinue this benefit at any time for new accounts and renewals.

Personal Loans:

³Eligible members will receive a 1.00 percentage point (100 basis point) discount on the interest rate for a new qualifying Personal Loan or Debt Consolidation Loan. The rate discount will be applied to the loan's approved interest rate at the time of origination. The 1.00% rate discount is available only on new Personal Loans and Debt Consolidation Loans that meet SFFCU’s eligibility requirements and underwriting criteria. All loans are subject to credit approval. The final interest rate and Annual Percentage Rate (APR) will be based on the applicant's creditworthiness, loan amount, loan term, and other factors determined by SFFCU. The rate discount cannot reduce the loan interest rate below any applicable minimum rate established by SFFCU. This benefit is not available for existing loans, loan refinances with SFFCU (unless otherwise specified), promotional loan offers, or other excluded loan products. The discount may not be combined with other rate discounts, promotional offers, or special pricing unless expressly authorized by SFFCU. SFFCU reserves the right to modify, suspend, or discontinue this benefit at any time for new loan applications. Additional terms, conditions, and restrictions may apply.

Auto Loans:

⁴Qualifying loans for this auto refinance offer includes auto purchases financed by another financial institution. A 0.50% rate reduction will be applied to the qualifying loan’s current interest rate, with a minimum floor rate of 5.50%. For all loans, the actual annual percentage rate 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. Financing is available only on vehicles with 100,000 miles or fewer. Offers are subject to credit approval and may change without notice. Rates, terms, and conditions are subject to change at any time.

Lender Credit:

⁵Up to $1,000 in lender credits and up to $600 in appraisal reimbursement fees available for purchase and refinance mortgage loan products. Lender credits and appraisal reimbursement to be applied to closing costs and on non-recurring closing costs. 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.