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SFPCU Savings

Certificates

Your financial strategy likely involves a mixture of options with varying degrees of risk. When you’re balancing your portfolio, consider The Police Credit Union’s Certificates as a steady investment with terms that ensure your money’s liquidity. We help police officers and law enforcement members in California diversify their savings.

You also can use The Police Credit Union’s Certificates to create a “ladder” strategy in which your Certificates’ terms mature every month to provide extra income if you need it, or allow you to re-invest if you don’t. Get started today for as little as $500.

Open Your Account

Features & Benefits

  • Terms range from 3 months to 5 years
  • Guaranteed rate of return for the term
  • No monthly service or maintenance fees

2-Year Bump-Up Certificate

  • Earn 4.05% APY1 (3.97%)
  • One time bump allowed during the account term
  • Only $500 to open
  • Upon maturity, rolls into 2 Year Certificate
  • New money only**
  • Not available for IRA Certificates

18 Month Certificate Special

  • Earn 3.25% (3.303% APY*)
  • In today’s volatile rate market, enjoy a highly competitive rate, with the peace of mind that your funds are insured
  • Only $500 minimum to open
  • Fast and easy online opening
  • Certificate rolls into 24-month Certificate upon maturity
Certificates
Rates Effective: December 1, 2022
AccountMinimumTermDividend RateAPY
3 Mo. Certificate$5003 Months0.25%0.250%
6 Month Certificate$5006 Months1.20%1.207%
1 Year Certificate$50012 Months2.50%2.531%
2 Year Certificate$50024 Months3.25%3.303%
3 Year Certificate$50036 Months2.96%3.004%
4 Year Certificate$50048 Months2.96%3.004%
5 Year Certificate$50060 Months3.00%3.045%
Special 18-Month Certificate$5003.25%*3.303%*
2-Year Bump-Up Certificate (New Money Required**)$500>730 days3.97%4.05%1
 *Promotional APY (Annual Percentage Yield) of 3.303% will be effective as of 11/18/2022 for a special 18 month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 18 months. A minimum opening deposit of $500 is required to  obtain the promotional APY. Early withdrawal penalties will be imposed.  Deposit balances must be maintained to maturity to obtain the promotional  APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate  currently in effect for a 24 month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org. This Credit Union is federally insured by the National Credit Union Administration. 

1APY (Annual Percentage Yield) effective starting 11/22/2022 and subject to change at any time. IRA Certificates are not eligible. Membership required. Not available for corporate accounts. The bump-up option and promotional rate are only available on Certificates for a term of 24 months. A minimum opening deposit of $500 is required. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain promotional APY. Once opened, no add-on amounts to the account during the term are allowed. Terms and conditions are subject to change without notice. This Credit Union is federally insured by the National Credit Union Administration.

**Rate requires new money to open. New money is defined as funds that have not been on deposit with The Police Credit Union for greater than 30 days.

Current Fee Schedule

Terms & Conditions: Rates/yields are subject to change. Fees could reduce earnings on the accounts. Certificates are available for the range of days stated above. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.