Grow your savings with the stability and security of a share certificate from San Francisco FCU — or plan for a comfortable retirement with the tax advantages and growth of an IRA certificate in a Traditional or Roth IRA. Whether you’re saving for a specific goal, retirement, or simply looking to grow your money, share certificates offer a secure, low-risk way to achieve steady financial growth. Open a share certificate or IRA certificate today for guaranteed returns you can count on.
Are you already a member? Log into Online Banking or click here to open an account.
Grow your savings faster to maximize your returns over time.
Certificate term lengths are 3 to 60 months, and IRA certificate terms are 12 to 60 months.
Take advantage of stable and predictable growth to plan for the future.
You only need a minimum opening balance of $1,000 to get started.
Share certificates are a smart and stable way to maximize your savings! Enjoy guaranteed returns with a higher rate than other savings options in exchange for keeping your money in the account for a specific period of time. You only need $1,000 to get started, and flexible terms of 3 to 60 months are available to suit your financial goals.
Compare the following share certificate and IRA certificate terms and rates to see which account option fits your needs and goals.
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 3 Months | 0.995% | 1.00% |
| 6 Months | 1.193% | 1.20% |
| 12 Months | 1.490% | 1.50% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 1.982% | 2.00% |
| 36 Months | 2.570% | 2.60% |
| 48 Months | 2.716% | 2.75% |
| 60 Months | 2.960% | 3.00% |
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Minimum balance for Certificates is $1,000. Last Updated: 01/05/2026 |
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| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 12 Months | 1.490% | 1.50% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 1.982% | 2.00% |
| 36 Months | 2.570% | 2.60% |
| 48 Months | 2.716% | 2.75% |
| 60 Months | 2.960% | 3.00% |
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Minimum balance for IRA Certificates is $1,000. Last Updated: 01/05/2026 |
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Accounts are insured by the NCUA for up to $250,000.
Unlike stocks, share certificates are not subject to market fluctuations.
Open multiple certificates with different term lengths for better liquidity and consistent returns.
More money stays in the account so your savings can grow faster.
Enjoy predictable earnings without worrying about future rate changes.
Our dedicated team is here to support you every step of the way.
Click the button below to fill out our short application, or drop by a branch.
We’ll reach out to you and let you know when your account is ready, typically within one business day.
Grow Your Savings
At San Francisco Federal Credit Union, we prioritize our members’ needs over profits. We’re dedicated to helping our members achieve all of their financial goals, and we’re always just a phone call away if you ever have a question or need assistance.
In addition to our savings accounts, we offer a full range of financial products. We have you covered whether you need a loan, a credit card, a checking account, or something else. Become a member today for personalized service that puts your needs first!
A share certificate — or savings certificate — is a type of savings account that credit unions offer. It allows you to earn a higher rate than other types of savings accounts in exchange for leaving your money in the account for a specific length of time or term. Share certificates earn guaranteed returns, and the term can be a few months to several years. There is a penalty for early withdrawals before the maturity date, however, which consists of a portion of the dividends earned.
Credit union share certificates and savings accounts both earn dividends, however, they differ in how they work and their flexibility. Share certificates require you to deposit a fixed amount of money for a fixed term in exchange for a higher interest rate. In comparison, savings accounts typically have lower rates and allow you to make up to six withdrawals or transfers per month per federal regulations.
An IRA share certificate is a share certificate that is held within an IRA to grow your retirement savings. It combines the tax advantages of a Traditional or Roth IRA with the dividend earnings potential of a share certificate.
Yes, our share certificates are federally insured by the National Credit Union Administration (NCUA) for up to $250,000.
The minimum balance for a share certificate or IRA certificate is $1,000.
Yes, our Standard Savings Account is insured by the National Credit Union Administration (NCUA) for up to $250,000.
Credit union certificates have fixed interest rates. The rate is locked in when you open an account and won’t change during the term.
When you open a share certificate with us, you will have the opportunity to make arrangements for the money at the maturity date. If you do not make arrangements then, there is a 10-day grace period where you can roll over your balance to a new certificate, add funds to the account, or reduce the balance. You can also transfer the money to a different account or close the account without penalty.
If you want to roll over your balance to a new share certificate, please contact us for the latest dividend rates and annual percentage yield (APY) and to discuss term options. We can be reached during regular business hours at 415-775-5377.
