Savings
Features
- No deposit makes you a Member/Owner
- No monthly maintenance fees
- Earned dividends based on balance
十大网上娱乐平台总网站提供各种各样的储蓄产品来帮助你现在存钱, for later, for small things and for large, important purchases.
Regular Savings
建立一个没有存款的储蓄账户使你成为旧金山联邦信贷联盟的成员和部分所有者. 该账户为您提供了一个与信用社一起储蓄和财务增长的机会. 这是一个分级储蓄账户，它会根据你在账户中的余额向你支付股息.
Money Market Yield Account
货币市场账户是一个很好的选择，如果你想最大化你的收入，同时在你需要的时候获得资金. 这是一个分级账户，根据你拥有的余额向你支付红利. There are no penalties for withdrawing.
Certificates
A certificate of deposit, also known as a CD, 对于那些希望本金在一段时间内得到稳定和保障的人来说，这是一种有效的投资吗. 定期存单是一种有联邦保险的储蓄账户，提供固定利率，通常高于储蓄或货币市场账户. 因为它有固定期限，在到期日之前的任何提款都要收取罚金. 如果你对你的钱没有立即的计划，并且你在寻找一个有保证的投资回报率，定期存单是最好的选择.
Custodial Youth Savings Accounts
- Coverdell教育储蓄账户或证书:教育储蓄的税务递延账户
- 统一转移到未成年人帐户:帮助未成年人建立储蓄的监护帐户. Click here (PDF) for an application.
In addition, 网上十大网赌娱乐大全提供青少年工作坊，可以带到您孩子的学校或组织, at no charge.
Retirement Accounts
It is never too early to start planning and saving for your future. 网上十大网赌娱乐大全可以帮助你建立储蓄，这样你就可以走上一条通往财务稳定退休生活的道路.
We offer both Traditional IRA savings and Roth IRA savings. 传统的个人退休账户储蓄在大多数情况下将允许你作出税前贡献, 这意味着当你把钱存入IRA账户时，你可以从你的应税收入中扣除这笔钱，作为回报, pay fewer taxes for the year. 罗斯个人退休账户(Roth IRA)可能适合你，如果你现在不需要减税，更喜欢在退休时免税提取. IRA certificates are available in both Traditional and Roth IRA’s, and like our regular certificates, come with term options that pay higher dividends for longer terms.
Youth Accounts
给网上十大网赌娱乐大全的年轻人一个坚实的财务基础，用一个青年储蓄和支票账户教他们理财技巧，越早越好. We offer products, services, 还有教育年轻人为未来存钱的重要性的项目. Our Youth Account features:
- No monthly maintenance fees
- No minimum monthly balance requirements
- Immediate dividend earnings
- Youth seminars and events
- Newsletters
- Access to online and mobile banking
- Product and Services
- Ages 6-12 (Savings, Money Market and Certificate accounts)
- Ages 13-17 (Savings, Money Market and Certificate accounts)
- Checking account (Free overdraft transfer protection)
- Visa debit card available
- Online bill payments (Internal and External Transfers)
NCUA Insurance
The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category. The $250,通过2010年的《网上十大网赌娱乐大全》，000个标准股票保险账户成为永久性账户.
The NCUA Share Insurance Estimator
NCUA电子股份保险估算器可帮助会员更好地理解由全国信用合作社股份保险基金(NCUSIF)提供的保护。. 这个互动性的网站允许用户输入数据来计算在不同的帐户场景下NCUSIF的覆盖率. This resource is available at http://www.mycreditunion.gov/estimator/Pages/default.aspx
Rates
Regular Savings & Money Market Yield
| Amount | APY* |
|---|---|
| $100 (min) | 0.015% |
| $2,500 (min) | 0.015% |
| $20,000 (min) | 0.015% |
| $50,000 (min) | 0.025% |
| $80,000 (min) | 0.025% |
| Amount | APY* |
|---|---|
| $2,500 (min) | 0.015% |
| $20,000 (min) | 0.025% |
| $50,000 (min) | 0.050% |
| $80,000 (min) | 0.050% |
| Amount | APY* |
|---|---|
| IRA Savings | 0.150% |
Certificates & IRA Certificates
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 12 Months | 0.200% | 0.20% |
| 18 Months | 0.200% | 0.20% |
| 24 Months | 0.598% | 0.60% |
| 30 Months | 0.648% | 0.65% |
| 36 Months | 0.896% | 0.90% |
| 48 Months | 1.193% | 1.20% |
| 60 Months | 1.982% | 2.00% |
Minimum balance for IRA Certificates is $1,000.
Last Updated: 06/08/2022
| Term | Dividend Rate (DR) | APY* |
|---|---|---|
| 3 Months | 0.050% | 0.05% |
| 6 Months | 0.100% | 0.10% |
| 12 Months | 0.200% | 0.20% |
| 18 Months | 0.200% | 0.20% |
| 24 Months | 0.598% | 0.60% |
| 30 Months | 0.648% | 0.65% |
| 36 Months | 0.896% | 0.90% |
| 48 Months | 1.193% | 1.20% |
| 60 Months | 1.982% | 2.00% |
Minimum balance for Certificates is $1,000.
Last Updated: 06/08/2022
*APY= Annual Percentage Yield. 截至2019年8月1日的准确利率，开户后可能会有变动. Fees may reduce earnings. 网上十大网赌娱乐大全已尽一切努力确保本网站包含有关费率和其他条款的准确和最新的信息, errors may occur. 所报价的利率可能会被旧金山联邦信贷联盟修正和更改.
Savings FAQs
Savings accounts are designed to help consumers save. 根据联邦法律，您每个月可以从储蓄产品中提取或转账六次. If you exceed the number of allowed withdrawals and transfers, the credit union will charge an Excess Activity Fee.
Yes, your savings routing number is the same as for your checking. San Francisco Federal Credit Union’s routing number is 321076441. 直接存款可以存入你的储蓄账户，是增加储蓄的好方法.
Our savings products do not allow for check writing. 您可以开立支票帐户，以获得无限制的支票开立能力.
The regular savings use the formula: Daily Balance method. 每天你从期末余额中赚取的利息会加起来, not compounded paid out at the end of the month.
When you open your CD with us, 您将有机会在定期存单到期日安排这笔钱. If you do not make arrangements then, 您的定期存款到期后有10天的宽限期，在此期间您可以将余额转到新的定期存款上, add funds to the account or reduce the balance. 你也可以把钱转到另一个账户，或者关闭账户而不受处罚.
If you want to roll over your balance to a new CD, 有关最新股息率及年化收益率(APY)，请与网上十大网赌娱乐大全联络，并讨论期限选择. We can be reached during regular business hours at 415-775-5377.
We recommend that you consult your attorney, CPA, or financial advisor on what investment options are best for you.
Contact Us for more information or call 415-775-5377