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Time to reach your saving goals sooner

Boost your savings with our 30-month certificate

San Mateo Credit Union gives you more for your money: great service and premium savings. A special 30-month certificate will put you on the fast track to earning interest. Boost your savings with our 30-month certificate.

30-month certificate features: 

  • Earn up to 4.00% APY* with Active Checking
  • $1,000 minimum opening and no maxium deposit and balance
  • Compounded dividends paid monthly 
  • Available for standard, IRA, and Roth certificate types

Share Certificates: 

Minimum Balance to Open: $1,000

Share certificate term Standard Rate Standard APY* Rate with Active Checking† Annual percentage Yield (APY)
60 Months 2.472% 2.50% 2.716% 2.75%
48 Months 2.374% 2.40% 2.618% 2.65%
36 Months 2.178% 2.20% 2.423% 2.45%
30 Months1 3.687% 3.75% 3.9285% 4.00%
24 Months 1.982% 2.00% 2.227% 2.25%
18 Months 1.736% 1.75% 1.982% 2.00%
12 Months 1.490% 1.50% 1.736% 1.75%
6 Months 0.995% 1.00% 1.243% 1.25%
3 Months 0.499% 0.50% 0.747% 0.75%

*Deposit rates and annual percentage yields (APY) are effective 10/31/2022 unless otherwise noted and subject to change at any time. APY=Annual Percentage Yield. When a Certificate is opened, the rate is fixed for the stated term. Dividends are compounded and credited monthly. Early withdrawal penalty applies to Certificates. Membership eligibility requirements apply.

The advertised certificate dividend rate can be earned for members who have an "Active Checking" account. Active Checking account is defined as a checking account that has at least one (1) direct deposit or ACH deposit (excluding telephone, teller or dividend posting transactions) during the monthly Statement Cycle (statement cycle period is 12:00 am on the first day of each month and ends at 11:59 pm on the last day of each month). For a Statement Cycle during which the Active Checking account deposit requirement is not met, the certificate will earn the base rate that was set at the account opening or rollover date

1Rates only eligible to 30-month certificates created after 10/31/2022.