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.

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 0.80% 0.80%
5 Year $250 $250 1.21% 1.20%

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

APY = Annual Percentage Yield. 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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