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Share Certificates

Put your mind at ease knowing your money is safe and earning great returns with PFCU’s Share Certificates. Like a bank certificate of deposit (cds), you earn great dividends while knowing your money is secure. PFCU offers certificates for various terms and various rates.

  Become a Member  Open a Certificate

Certificate Specials

Pick your term & earn more your way!


9 months at 4.50% APY** 

18 months at 4.25% APY**


All Certificate Rates


Regular and IRA Certificates

  • Minimum issue of $500.
  • Members may withdraw dividend earned and paid with no penalty.
  • Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn).

Minor Certificates

  • Deposits of $25 or more can be added to the certificate at any time.
  • You can set up automatic deposits to minor certificates.
  • Members under age 18 can purchase certificates with terms of 60 months or until their 18th birthday, whichever occurs first. This means you can choose to take advantage of our 60-month certificate rate until the minor turns 18 years of age.
  • Minor certificates automatically mature on the minor's 18th birthday.
  • Minimum issue of $250.

Benefits of Certificates

  • Earn interest while receiving a reliable return on your investment.
  • Make more out of your money, instead of keeping it in a standard account.
  • Prepare ready for important life events – from college and home buying to retirement.
  • It's easy, all you have to do is open a Certificate and watch your money grow.

Open a Certificate 

You can open a regular share certificate by using Live Chat, giving us a call, or visiting a PFCU Branch Location. If you have any questions, contact us at 844-517-3611 or use our live chat support.


*APY = Annual Percentage Yield. 
**APY = Annual Percentage Yield. $500 minimum deposit. Penalties apply for early withdrawal. Subject to automatic renewal upon maturity. Refer to disclosure for renewal terms. Rate accurate as of March 11, 2024. You must be a member of PFCU. Federally insured by NCUA.

Share Certificate Truth in Savings Disclosure

*APY = Annual Percentage Yield.