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
Certificate Special**
- 4.44% APY*
- 30-month term.
- $10,000 minimum issue.
- 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- Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn).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
- Members under age 18 can purchase certificates with terms of 60- months or until their 18th birthday, whichever occurs first.
- Minimum issue of $250.
- Deposits of $25 or more can be added to the certificate at any time.
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
Purchase a certificate today at any of our PFCU locations in Michigan and enjoy great certificate rates. If you have any questions, contact us at 844-517-3611 or use our live chat support.
*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.