# San Francisco Federal Credit Union CD and share certificate rates

As of October 22, 2026, San Francisco Federal Credit Union's highest tracked CD (share certificate) rate is 3.00% APY on a 60-month CD ($1,000 minimum). That is 2.1 times the FDIC national average for 60-month CDs (1.41%). Standard CD rates range from 1.00% to 3.00% APY.

Canonical page: https://apyledger.com/cd-rates/san-francisco-federal-credit-union
Institution: San Francisco Federal Credit Union (NCUA 24542)
Aliases: 
Status: live
Last verified: 2026-10-23T02:11:02.000Z (October 22, 2026)
Official source: https://www.sanfranciscofcu.com/rates
Coverage: Membership required. Certificates with a $1,000 minimum balance; the credit union last updated this table January 5, 2026. IRA certificates are excluded. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificates | standard | 3 months | $1,000 | 1.00% | Not ZIP-priced | −3.29% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 6 months | $1,000 | 1.20% | Not ZIP-priced | −3.20% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 12 months | $1,000 | 1.50% | Not ZIP-priced | −3.07% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 18 months | $1,000 | 1.50% | Not ZIP-priced | −3.22% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 24 months | $1,000 | 1.80% | Not ZIP-priced | −3.07% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 30 months | $1,000 | 2.00% | Not ZIP-priced | −2.91% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 36 months | $1,000 | 2.60% | Not ZIP-priced | −2.35% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 48 months | $1,000 | 2.75% | Not ZIP-priced | −2.23% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |
| Certificates | standard | 60 months | $1,000 | 3.00% | Not ZIP-priced | −2.01% | 2026-10-23T02:11:02.000Z | [Snapshot 874](https://apyledger.com/snapshots/874) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.