Graphic showing three promotional share certificate rate tiers:
Tier 1: 6-Month Add-On Certificate 4.40% APY (1,2)
Tier 2: 15-Month Certificate 4.50% APY (1)
Tier 3: 37-Month Certificate 4.60% APY (1)

Earn more on your money.

There's a certificate rate and term that's right for you.

OPEN YOUR SHARE CERTIFICATE TODAY

Earn more on your savings with one of our limited-time Share Certificates.

Daily compounding so your dividends are earning dividends.³

No account opening or maintenance fees.

Your savings are insured by the NCUA up to $250,000.⁴

Open in minutes in Online or Mobile Banking.⁵

You've Got Choices

No matter your financial goals, we can help get you there faster with a promotional Share Certificate. Enjoy more savings and flexibility with three rates and terms to choose from — because you can never have too much of a good thing.

And with our 6-Month Add-On Certificate, you can easily add more funds, up to the initial opening deposit amount, at any time during the term in Online or Mobile Banking.

SEE ALL RATES

Watch Your Savings Grow

When you open a Share Certificate, you're locking in a competitive rate and earning guaranteed returns on your money.

How much could $10,000 be worth?

$10,217.44 with a 6-month add-on certificate (even more if you add funds during the term).
$10,564.34 with a 15-month certificate.
$11,485.39 with a 37-month certificate.

CALCULATE YOUR SAVINGS POTENTIAL

Six Years in a Row

For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

Image of a row of increasingly sprouting rolled dollars with sapling growing from the center.

What is the difference between a CD and share certificate?

Hand stacking blocks in a step shape representing growth.

Use a certificate “ladder” to take your savings to new heights.

6 tips for diversifying your investment portfolio (don’t forget about cash).

Locations

We offer over 70 branches in California and 30,000+ ATM locations.

FIND A BRANCH OR ATM

Get Started

Open your Share Certificate. Log in to Online Banking.

OPEN YOUR ACCOUNT

Not a Member?

Joining SchoolsFirst FCU is quick and easy. Apply for Membership today.

JOIN NOW

Disclosures

APY = Annual Percentage Yield.

Minimum $500 to open a Share Certificate. Rates quoted are effective as of 09/23/2024 and are subject to change without notice. Early withdrawal/account closure subject to penalty; fees may reduce earnings on the account. At maturity, account automatically renews for the same term, at the current rate. During the 10-day grace period, which begins on your maturity date and ends 10 calendar days later, you may change the term or balance of your account or make withdrawals without a penalty. Promotional share certificates are not eligible as security for share certificate loans.
Additional deposits up to the initial opening deposit amount can be made at any time without penalty.
Dividends are calculated and compounded daily from the date of deposit to the date of withdrawal using a 365-day year (366 in a leap year).
The National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration (NCUA), federally insures SchoolsFirst FCU Members' deposits to the standard maximum share insurance amount of $250,000.
Data charges may apply. Check with your mobile provider.