Credit union · NCUA insured
San Francisco Federal Credit Union CD Rates
San Francisco Federal Credit Union’s best CD rate is 3.00% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked September 25, 2026.
How San Francisco Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where San Francisco Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
San Francisco Federal Credit Union
3.00%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,593
Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
San Francisco Federal Credit Union CD score
65
CD score
Higher than 13% of U.S. banks and credit unions
- 3–8 months3–8 mo1.20%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where San Francisco Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 3.50%APY · 11 terms
Minimum balance is $1,000. Early withdrawal penalty applies. Insured by NCUA up to $250,000. Fixed dividend rates. No monthly fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.20% | $60 |
| 7 monthsPromotional rate valid June 15, 2026 through September 30, 2026. Requires new money (funds not currently on deposit with San Francisco Federal Credit Union). Automatically renews at maturity into standard 6-month Share Certificate | 3.30% | $191 |
| 12 months | 1.50% | $150 |
| 13 monthsPromotional rate valid June 1, 2026 through September 30, 2026. Requires new money (funds not currently on deposit with San Francisco Federal Credit Union). Automatically renews at maturity into standard 12-month Share Certificate | 3.50% | $380 |
| 18 months | 1.50% | $226 |
| 24 months | 1.80% | $363 |
| 30 months | 2.00% | $508 |
| 36 months | 2.60% | $800 |
| 48 months | 2.75% | $1,146 |
| 60 months | 3.00% | $1,593 |
Special-purpose accounts
IRA Certificates
Up to 3.00%APY · 7 terms
Available in Traditional IRA and Roth IRA wrappers. Minimum balance is $1,000. Early withdrawal penalty applies. Term lengths are 12 to 60 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.50% | $150 |
| 18 months | 1.50% | $226 |
| 24 months | 1.80% | $363 |
| 30 months | 2.00% | $508 |
| 36 months | 2.60% | $800 |
| 48 months | 2.75% | $1,146 |
| 60 months | 3.00% | $1,593 |
Sources (3)
- sanfranciscofcu.com/rates
- sanfranciscofcu.com/retirement-accounts
- sanfranciscofcu.com/savings/certificates
All captured Sep 16, 2026
Who can join San Francisco Federal Credit Union
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