Certificates
Certificates of Deposit (CDs)
Certificates are an effective way to save for those who are looking for stability and protection of their principal over a period of time. Consider including CDs as part of your investment plan. You can also move your deposits from your 401k into a self-directed IRA certificate.
Terms
The Credit Union offers terms from three to sixty months. These various terms provide you the flexibility of “laddering” your deposits over various periods of time. If you are concerned over the volatility of the stock market, saving your money in a long-term certificate may be an option.
*Annual Percentage Yield. Open to existing and new members. Minimum certificate deposit of $1,000; $250,000 maximum deposit. Must maintain a minimum $1,000 daily balance to earn the disclosed rate. An early withdrawal penalty may apply. This offer can be discontinued at any time. Federally Insured by NCUA. We recommend that you consult your attorney, CPA, or financial advisor on what investment options are best for you.
Chanda Ikeda
Committee Member
Chanda Ikeda joined the Credit Union as a member of the Supervisory Committee in 2023. In 2022, she founded Ikeda Consulting, a small San Francisco-based consulting business that supports local government across California. Prior to that role, she worked at the City and County of San Francisco for 12 years in various leadership positions overseeing budget, finance, citywide technology investments and human resources functions. Most recently, she was the Director of Human Resources for the 25+ departments, divisions, and programs under the City Administrator’s Office.
Certificate Rates
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 3 Months | 0.399% | 0.40% |
| 6 Months | 0.499% | 0.50% |
| 12 Months | 0.995% | 1.00% |
| 16 Months Promo | 2.227% | 2.25% |
| 18 Months | 1.490% | 1.50% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.50% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for Certificates is $1,000.
Last Updated: 06/07/2023
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 12 Months | 0.995% | 1.00% |
| 18 Months | 1.490% | 1.50% |
| 16 Months Promo | 2.227% | 2.25% |
| 24 Months | 1.785% | 1.80% |
| 30 Months | 3.445% | 3.5% |
| 36 Months | 3.542% | 3.60% |
| 48 Months | 3.687% | 3.75% |
| 60 Months | 4.073% | 4.15% |
Minimum balance for IRA Certificates is $1,000.
Last Updated: 06/07/2023
Certificates FAQs
When you open your CD with us, you will have the opportunity to make arrangements for the money upon the CD maturity date. If you do not make arrangements then, there is a 10-day grace period after your CD reaches maturity during which time you may roll over your balance to a new CD, 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 CD, 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.
Contact Us for more information or call 415-775-5377