SFCU Certificate Rates

Certificate Rates

Term in Months	Dividend Rate	Annual Percentage Yield	Compounding Period
3 Mos. ($2,500 Min.)	0.25%	0.25%	Monthly
6 Mos. ($2,500 Min.)	0.30%	0.30%	Monthly
9 Mos. ($2,500 Min.)	0.35%	0.35%	Monthly
12 Mos. ($500 Min.)	0.40%	0.40%	Monthly
24 Mos. ($500 Min.)	0.70%	0.70%	Monthly
36 Mos. ($500 Min.)	1.00%	1.00%	Monthly
42 Mos. ($500 Min.)	1.14%	1.15%	Monthly
48 Mos. ($500 Min.)	1.29%	1.30%	Monthly
54 Mos. ($500 Min.)	1.44%	1.45%	Monthly
60 Mos. ($500 Min.)	1.64%	1.65%	Monthly
Penalty will be imposed for early withdrawal. For time deposits with maturities of less than one year, the APY assumes that funds will remain on deposit for a full year. Fees or withdrawals could reduce earnings on accounts. APYs are accurate as of the last dividend declaration period 1/24/2012. Disclosures are available upon request. Contact SFCU staff for more information about applicable fees and terms. Federally insured by NCUA.

	Identity Theft is a serious crime - Learn how to protect yourself
	We have included several links that you can use to learn how to prevent, detect and defend against ID theft. Learn the steps that you can take, and what to do in the event that you become a victim of the crime.

Equal Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act

Excess Share Insurance - Private insurance for member savings in excess of $250,000 to $500,000

Federally insured by NCUA

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

The term “noninterest-bearing transaction account” includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (“NOW”) account, money-market deposit account, and Interest on Lawyers Trust Account (“IOLTA”), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.