Last Updated November 1, 2024
Savings Account Rate & Terms
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $0.00 | $0.00 | 0.03% | 0.03% |
Payable On Death Account Rate & Terms
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $5.00 | $5.00 | 0.03% | 0.03% |
IRA Savings account Rates & Terms
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $0.00 | $0.00 | 0.03% | 0.03% |
Rates are subject to change without notice and are effective as of today's date listed at the top of this page. Please note – fees could reduce the earnings on your account(s). Early withdrawal of funds from IRAs may be subject to IRS penalties.
Checking Account Rate & Terms
| Minimum Balance to Open & Maintain APY** | Dividend Rate | APY** |
|---|---|---|
| $0.00 | 0.01% | 0.01% |
Money Market Account Rates & Terms
*APY = Annual Percentage Yield. Rate effective as of October, 21, 2024 and are subject to change without notice.
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $2,500.00 | $0 - $2,499.99 | 0.03% | 0.03% |
| $2,500.00 | $2,500 - $9,999.99 | 0.05% | 0.05% |
| $2,500.00 | $10,000.00 | 0.15% | 0.15% |
Money Market Plus Rates & Terms
*APR = Annual Percentage Rate. Limited Time Offer. Terms and Conditions are subject to change. New money only. Transfers and rollovers not permitted.
| Minimum Balance To Open | Minimum Balance to Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| $7,500.00 | $0 - $7,499.99 | 0.03% | 0.03% |
| $0 | $7,500 & up | 1.75% | 1.76% |
Savings Certificate Rates & Terms
| Term | Minimum Balance To Open and Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|
| 3 Months | $1,000.00 | 3.63% | 3.70% |
| 4 Months SPECIAL | $1,000.00 | 4.35% | 4.44% |
| 6 Months | $1,000.00 | 3.44% | 3.50% |
| 9 Months | $1,000.00 | 3.15% | 3.20% |
| 12 Months | $1,000.00 | 2.95% | 2.99% |
| 13 Months SPECIAL | $1,000.00 | 2.97% | 3.01% |
| 18 Months | $1,000.00 | 1.49% | 1.50% |
| 24 Months | $1,000.00 | 1.49% | 1.50% |
| 36 Months | $1,000.00 | 1.00% | 1.00% |
| 48 Months | $1,000.00 | 1.00% | 1.00% |
| 60 Months | $1,000.00 | 1.00% | 1.00% |
**APY Annual Percentage Yield. Rates effective as of October 1, 2024 and are subject to change at any time. The penalty for early withdrawal is the lesser of 90 days dividends or dividends year-to-date. Must be a PFCU member in good standing. Dividend amount per $1,000 on 13 Month at maturity ≈ $32.75, on 4 Month at maturity ≈ $14.77. PFCU reserves the right to end this promotion at any time. Please note, fees could reduce the earnings on your account(s).
Youth, Teen, Young Adult Certificates Rates & Terms
Youth (12 & Under), Teen (13-17), Young Adult (18-24)
| Term | Minimum Balance To Open | Minimum Balance To Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| 3 Months | $100.00 | $100.00 | 3.73% | 3.80% |
| 4 Months SPECIAL | $1,000.00 | $1,000.00 | 4.35% | 4.44% |
| 6 Months | $100.00 | $100.00 | 3.54% | 3.60% |
| 9 Months | $100.00 | $100.00 | 3.25% | 3.30% |
| 12 Months | $100.00 | $100.00 | 3.05% | 3.09% |
| 13 Months SPECIAL | $1,000.00 | $1,000.00 | 2.97% | 3.01% |
| 18 Months | $100.00 | $100.00 | 1.59% | 1.60% |
| 24 Months | $100.00 | $100.00 | 1.59% | 1.60% |
| 36 Months | $100.00 | $100.00 | 1.10% | 1.10% |
| 48 Months | $100.00 | $100.00 | 1.10% | 1.10% |
| 60 Months | $100.00 | $100.00 | 1.10% | 1.10% |
Add-ons permitted during the term of certificate (min. $100)
Rates subject to change
Must be a PFCU member in good standing
The penalty for early withdrawal is the lesser of 90 days dividends or dividends year-to-date
IRA Certificate Rates & Terms
| Term | Minimum Balance To Open | Minimum Balance To Obtain APY** | Dividend Rate | APY** |
|---|---|---|---|---|
| 3 Months | $1,000.00 | $1,000.00 | 3.63% | 3.70% |
| 4 Months SPECIAL | $1,000.00 | $1,000.00 | 4.35% | 4.44% |
| 6 Months | $1,000.00 | $1,000.00 | 3.44% | 3.50% |
| 9 Months | $1,000.00 | $1,000.00 | 3.15% | 3.20% |
| 12 Months | $1,000.00 | $1,000.00 | 2.95% | 2.99% |
| 13 Months SPECIAL | $1,000.00 | $1,000.00 | 2.97% | 3.01% |
| 18 Months | $1,000.00 | $1,000.00 | 1.49% | 1.50% |
| 24 Months | $1,000.00 | $1,000.00 | 1.49% | 1.50% |
| 36 Months | $1,000.00 | $1,000.00 | 1.00% | 1.00% |
| 48 Months | $1,000.00 | $1,000.00 | 1.00% | 1.00% |
| 60 Months | $1,000.00 | $1,000.00 | 1.00% | 1.00% |
**APY Annual Percentage Yield. Rates effective as of October 1, 2024 and are subject to change. The penalty for early withdrawal is the lesser of 90 days dividends or dividends year-to-date. Must be a PFCU member in good standing. Dividend amount per $1,000 on 13 Month at maturity ≈ $32.75, on 4 Month at maturity ≈ $14.77. PFCU reserves the right to end this promotion at any time. Please note, fees could reduce the earnings on your account(s). Early withdrawal of funds from IRAs may be subject to IRS penalties.