Earn

Learn more about our Term Certificates and the benefits of keeping your funds in a CD for an extended period of time.

Savings

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 taking into account the effect of compounding interest, and assumes that the funds will remain in the deposit account for a full 365 days.

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 6AM to 10PM (Pacific) seven days-a-week.

Term Min. Deposit Min. Balance APY Dividend
3 Month $250 $250 0.15% 0.15%
6 Month $250 $250 0.20% 0.20%
1 Year $250 $250 0.30% 0.30%
18 Month Bump Up $250 $250 0.30% 0.30%
2 Year $250 $250 0.45% 0.45%
3 Year $250 $250 1.00% 1.00%
5 Year $250 $250 1.51% 1.50%

Jumbo Certificates = Minimum deposit of $100,000 required.

APY = Annual Percentage Yield. The APY is the effective annual rate of return taking into account the effect of compounding interest, and assumes that the funds will remain in the deposit account for a full 365 days. Unless otherwise paid, excluding IRA’s, dividends will be credited to your account and compounded every month.

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

Term Min. Deposit Min. Balance APY Dividend
3 Month $100,000 $100,000 .20% .20%
6 Month $100,000 $100,000 .25% .25%
1 Year $100,000 $100,000 .35% .35%

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