Running a business is not easy, which is why we try to make our business checking and savings options as transparent and accessible as possible.


If you can afford to keep your money tucked away for a while, then a term certificate is the way to go. Term certificates generally earn dividends higher than tiered savings accounts.

Key Features
Low minimum balance of $250.00
Competitive rates
3-month to 5-year terms
One-time “Rate Bump” option on 18-month CDs

Minimum Deposits

Term Certificates = Minimum deposit of $250 required.

APY = Annual Percentage Yield. The APY is the effective annual rate of return and assumes that the funds will remain in the deposit account for a full 365 days.

Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity.

If you have any questions or need current rate information on your accounts, please call 415.674.4800 or 1.888.499.FIRE (3473) from from 7AM to 8PM (Pacific) Monday – Saturday.

Term Min. Deposit Min. Balance APY Dividend
3 Month $250 $250 0.90% 0.90%
6 Month $250 $250 1.26% 1.25%
1 Year $250 $250 1.66% 1.65%
18-Month Bump Up $250 $250 1.66% 1.65%
2 Year $250 $250 1.76% 1.75%
3 Year $250 $250 1.87% 1.85%
5 Year $250 $250 2.02% 2.00%

Already a Member?

Request a new Term Certificate via Secured Messaging in Online or Mobile Banking, or visit a branch or reach the Contact Center by phone or live chat.

Not a Member?
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