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 11/01/2026
Regular Certificate Rates
| Regular Certificate Rates | APY (Estimate) |
|---|---|
| 6 Month | 4.00% |
| 6 Month "New Money" | 4.25% |
| 1 Year | 4.20% |
| 2 Year | 4.00% |
| 3 Year | 3.75% |
| 4 Year | 3.75% |
| 5 Year | 3.75% |
| APY Annual Percentage Yield. "New Money" is defined as funds not currently on deposit. $1,000 minimum deposit required. Early withdrawal penalties may apply. |
|
IRA Certificate Rates
| IRA Certificate Rates | APY (Estimate) |
|---|---|
| 1 Year | 4.45% |
| 2 Year | 4.25% |
| 3 Year | 4.00% |
| 4 Year | 4.00% |
| 5 Year | 4.00% |
| APY Annual Percentage Yield |
|
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
