Certificates
Get competitive, locked-in rates with flexible terms from 6 months up to 5 years. Pick a specific term or ladder maturity based on your personal needs. IRA Certificates are also a smart option for longer-term funds.
Rates effective 11/01/2025
Regular Certificate Rates
| Regular Certificate Rates | APY | APYE |
|---|---|---|
| 6 Month | 3.85% | 3.92% |
| 1 Year | 3.90% | 3.97% |
| 2 Year | 3.75% | 3.82% |
| 3 Year | 3.60% | 3.66% |
| 4 Year | 3.60% | 3.66% |
| 5 Year | 3.80% | 3.87% |
| APY Annual Percentage Yield APYE Annual Percentage Yield Earned. |
||
IRA Certificate Rates
| IRA Certificate Rates | APY | APYE |
|---|---|---|
| 1 Year | 4.15% | 4.23% |
| 2 Year | 4.00% | 4.08% |
| 3 Year | 3.85% | 3.92% |
| 4 Year | 3.85% | 3.92% |
| 5 Year | 4.05% | 4.13% |
| APY Annual Percentage Yield APYE Annual Percentage Yield Earned |
||
2023 = $6,500 (or $7,500 if age 50 or older)
2024 = $7,000 (or $8,000 if age 50 or older)
the details:
- $1,000 minimum to open
- Higher rates based on term
- Terms from 6 months to 5 years
- Dividends paid monthly
- Early withdrawal penalties apply
- IRA Certificates Available
- No monthly service fee
- Mobile and Online Access
- eStatements
Setup is a snap - visit our branch, call 650.800.5434, or Email connect@srifcu.org
