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

Certificate Rates  Become a Member  

30-month Certificate Special^**

• 4.44% APY^*
• 30-month term.
• $10,000 minimum issue.
• Early withdrawal penalty will apply.

18-month Certificate Special^***

• 5.550% APY^*
• 18-month term.
• Minimum issue of $500.
• Early withdrawal penalty will apply.

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• Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn).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 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.

 

_{Share Certificate Truth in Savings Disclosure}

_{*APY = Annual Percentage Yield.}

_{**30-Month Certificate Special rate and terms available for a limited time only, beginning February 28, 2023. Funds begin to accrue dividends from the first business day of deposit and are calculated daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties apply for early withdrawal. Fees or other conditions may reduce earnings. Rates are subject to change. To be eligible for certificate, you must join or be an existing member of PFCU. Federally insured by NCUA.}

_{***18-Month Certificate Special rate and terms available for a limited time only, beginning October 20th, 2023. Funds begin to accrue dividends from the first business day of deposit and are calculated daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties apply for early withdrawal. This share certificate is subject to automatic renewal upon maturity. The renewal will be the same term as specified in renewal provision. You will be notified in advance of the maturity date, interest rate applicable upon renewal may differ from the initial rate. Fees or other conditions may reduce earnings. Rates are subject to change. To be eligible for certificate, you must join or be an existing member of PFCU. Federally insured by NCUA.}