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Time to grow your saving goals sooner

Grow your savings with our 11-month, 20-month, or 30-month certificate

San Mateo Credit Union helps you get more for your money with great service and premium savings. A special 11-month, 20-month or 30-month certificate will put you on the fast track to reaching your savings goals.

11-month, 20-month, or 30-month certificate features: 

  • Earn up to 4.25% APY* with Active Checking
  • $1,000 minimum opening and no maxium deposit and balance
  • Compounded dividends paid monthly 

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 3.929% 4.00% 4.169% 4.25%
24 Months 1.982% 2.00% 2.227% 2.25%
20 Months2 3.929% 4.00% 4.169% 4.25%
18 Months 1.736% 1.75% 1.982% 2.00%
12 Months 1.490% 1.50% 1.736% 1.75%
11 Months2 3.929% 4.00% 4.169% 4.25%
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 01/27/2023 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 01/27/2023.

2Rates only eligible to 11-months, 20-months certificates created after 01/27/2023.