The ideal investment offers a high return, safety and flexibility.

• Savings Certificate or Individual Retirement Accounts can be opened with as little as $1,000.
• Savings Certificate Accounts are insured for up to $100,000 by the National Credit Union Administration (NCUA), a federal government agency. IRAs are insured separately for up to an additional $100,000.
• Flexible terms range from six months to five years.
• Attractive rates. See for yourself by clicking on the Competitive Rates link.
• Account holders may borrow against Certificate Accounts for only 3.00% more than the rate being earned on the account.

Getting Started Sonoma FCU members may mail an initial opening deposit of $1,000 or more to the credit union. Be sure to include a note stating that the money is for a new certificate account and specify the term you desire.

If you would like to open a certificate account, but do not know if you are eligible to join Sonoma FCU, review our eligibility requirements in the Who Can Join section on this web site. If you are eligible and wish to join complete the on-line Sonoma FCU application and signature card and send it to us today.