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.
Regular Certificate Rates
| Regular Certificate Rates | APY | APYE |
|---|---|---|
| 6 month | 3.50% | 3.53% |
| 7-Month "New Money" | 5.00% | 5.12% |
| 1 Year | 4.50% | 4.54% |
| 2 Year | 3.75% | 3.78% |
| 3 Year | 3.75% | 3.78% |
| 4 Year | 3.75% | 3.78% |
| 5 Year | 4.00% | 4.04% |
| Rates effective as of 9-01-2023 APY Annual Percentage Yield APYE Annual Percentage Yield Earned. *Promo rate of 5.00% APY only applies to new money. New money is defined as money not currently on deposit with SRIFCU. If CD is open with existing funds at SRIFCU the rate will be 4.50% APY. |
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IRA Certificate Rates
| IRA Certificate Rates | APY | APYE |
|---|---|---|
| 1 Year | 4.75% | 4.79% |
| 2 Year | 4.00% | 4.04% |
| 3 Year | 4.00% | 4.04% |
| 4 Year | 4.00% | 4.04% |
| 5 Year | 4.25% | 4.29% |
| Rates effective as of 9-01-2023 APY Annual Percentage Yield APYE Annual Percentage Yield Earned |
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the details:
- $1,000 minimum to open
- Higher rates based on term
- Terms from 3 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
FREQUENTLY ASKED QUESTIONS
Contact Us
Call: 650.800.5434
Fax: 650.326.8916
333 Ravenswood Ave
Menlo Park, CA 94025-3493
Mailing Address:
P.O. Box 2284
Menlo Park, CA 94026-2284
Routing Number: 321173328
All deposits are insured by the NCUA to at least $250,000.
