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Share Certificates

Grow your savings faster with rates up to 4.85% APY.1

Maximize your savings without the risk of investing.


Choose the term that's right for you, from 30 days to 60 months.


Open in minutes in Online and Mobile Banking.2


Earn more on your savings with daily compounding.3


Open a share certificate for $500.


Your savings are federally insured up to $250,000.4


No account opening or maintenance fees.

Promotional Share Certificates

4.50% APY

6-Month Add-On Certificate

4.75% APY

15-Month Certificate

4.85% APY

37-Month Certificate

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Save for All Your Goals

If you're looking for a faster way to grow your savings — without the risk of investing — a share certificate may be the right solution. Share certificates offer better rates than regular savings if you're willing to leave your money untouched for a set time period.

Forbest Best in State Credit Unions logo.

Five Years in a Row

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

Make share certificates a part of your savings strategy.

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How to Build a Share Certificate Ladder


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Compare Two Share Certificates


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College Savings Share Certificates



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

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Get Started

Open your Share Certificate. Log in to Online Banking.

Not a Member?

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


APY = Annual Percentage Yield

  1. Rate quoted are effective as of 06/19/2024 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 penalty.
  2. Data charges may apply. Check with your mobile provider.
  3. Dividends are calculated and compounded daily from the date of deposit to the date of withdrawal using a 365-day year (366 days in a leap year).
  4. The National Credit Union Share Insurance Fund (NCUSIF), and arm of the National Credit Union Administration (NCUA), federally insures SchoolsFirst FCU Members' deposits to the standard maximum share insurance amount of $250,000.
  5. Additional deposits up to the initial deposit amount can be made at anytime without penalty.
  6. Promotional share certificates are not eligible as security for share certificate loans.