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For higher interest rates, Certificates are often your best option

There is no one-size-fits-all approach to saving money, which is why San Mateo Credit Union offers a wide variety of savings tools, including Certificates of Deposit. Our Regular and IRA Certificates offer a great combination of stability along with some of the highest interest rates around. With SMCU Certificates, you really can make the most of your savings efforts.

Key features

  • Choose a maturity date anywhere from three months to five years
  • Our certificate rates are currently as high as  2.65 APY*- view all certificate rates
  • Open most Certificates with as little as $1,000 (just $500 for most IRA Certificates)
  • Dividends are compounded and credited monthly
  • Youth certificates are available, starting at $250

Please note: IRA, Youth, and Coverdell ESA Certificates cannot be opened online. To open these accounts, please visit one of our San Mateo branches.

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