Credit union · Privately insured
SF Fire Credit Union CD Rates
Top CarrotSF Fire Credit Union’s best CD rate is 4.25% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How SF Fire Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where SF Fire Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SF Fire Credit Union
4.25%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $2,313
Term 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
SF Fire Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.80%
- 16–30 months16–30 mo3.90%
- 31–60 months31–60 mo4.25%
- QualifiedQualified4.25%
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 SF Fire 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.
7-Month Anniversary Tiered Term Certificate
4.00%APY · 1 term
Valid for net new deposits only with funds not currently held at SF Fire Credit Union. One certificate per primary member name/TIN. Automatically converts to a 1-year Term Certificate at maturity. Active and retired Fire Department employees qualify for a 0.10% APY rate bump.
| Term | APY · Up to $3,000 | APY · Any balance | APY · $3,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 7 monthsIntroductory promotional period (First 90 days) APY on balances above $3,000 | — | — | 4.00% | 4.00% | $231 |
| 7 monthsIntroductory promotional period (First 90 days) APY on first $3,000 | 7.50% | — | — | —7.50% to $3k | — |
| 7 monthsRemaining term (Day 91 to maturity) on full balance until date of maturity | — | 4.00% | — | 4.00% | $231 |
Sources (3)
All captured Sep 16, 2026
Term Certificates
Up to 4.25%APY · 7 terms
Dividends compounded daily and credited monthly and at maturity. Active and retired Fire Department employees qualify for a 0.10% APY rate bump on Term Certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.50% | $173 |
| 12 months | 3.80% | $380 |
| 18 monthsBump Up Certificate: If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates | 0.20% | $30 |
| 24 months | 3.90% | $795 |
| 36 months | 4.00% | $1,249 |
| 60 months | 4.25% | $2,313 |
Sources (2)
All captured Sep 16, 2026
Promotional 5-Month Certificate
4.10%APY · 1 term
Promotional rate valid for net new deposits only with funds that are not currently held at SF Fire Credit Union. Rate includes 0.10% firefighter rate bump automatically applied. Active and retired Fire Department employees qualify for the 0.10% rate bump; higher rate is the same for SFFD and Non-SFFD alike.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsPromotional rate for new deposits | 4.10% | $169 |
Sources (1)
- sffirecu.org/high-yield-savings/ff-rate · captured Sep 16, 2026
Jumbo Term Certificate
Up to 3.80%APY · 3 terms
Dividends compounded daily and credited monthly and at maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | — |
| 6 months | 3.50% | — |
| 12 months | 3.80% | — |
Sources (1)
- sffirecu.org/rates/term-certificates · captured Sep 16, 2026
Special-purpose accounts
Fixed IRA Certificates
Up to 4.25%APY · 5 terms
Interest rate fixed for the length of the term. An additional tax penalty from the IRS may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.80% | $380 |
| 18 monthsBump Up Certificate: If the prevailing dividend rates for new 18-Month Bump Up Term Certificates go up during your 18-Month term, you may contact us once during the 18 months to increase your dividend rate to match that of new term certificates | 0.20% | $30 |
| 24 months | 3.90% | $795 |
| 36 months | 4.00% | $1,249 |
| 60 months | 4.25% | $2,313 |
Sources (2)
All captured Sep 16, 2026
Variable IRA Certificates
0.09%APY · 1 term
Variable rate products may reflect a change in the interest rate after the account is opened. Additional tax penalties from the IRS may apply for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 0.09% | $45 |
Sources (1)
- sffirecu.org/ira-term-certificates · captured Sep 16, 2026
Who can join SF Fire Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the credit union by becoming a member of the Community Impact Fund (CIF) at no cost.
Where you live or work
- Individuals who live, work, or attend school in San Francisco, San Mateo, or Marin County are eligible for membership.
Employers and groups
- Active members of the California State Firefighters’ Association are eligible for membership.
Military, government and schools
- Active or retired firefighters in San Francisco, San Mateo, or Marin County, as well as members and employees of Local IAFF 1171, Santa Clara Firefighters, are eligible for membership.
Family and household
- Family of SF Fire Credit Union members are eligible to join.
Membership information collected October 5, 2026.