Sock away some money for a rainy day fund or retirement with PFCU’s certificates. PFCU offers certificates for various terms and various rates.

  • Feel secure: Enjoy peace of mind with the ability to earn interest while receiving a reliable return on your investment.
  • Save more: Instead of keeping cash in your checking or standard savings, earn interest and make more out of your money.
  • Prepare for milestones: Get ready for important life events – from college and home buying to retirement.
  • Save effortlessly: All you have to do is open a Certificate and watch your money mature.


  • 3 years at 1.50% APY*
  • 4 years at 1.75% APY*
  • 5 years at 2.20% APY*
 *Some restrictions apply. Annual Percentage Yield. Minimum balance $1,000.

Regular and IRA Certificates

  • Minimum issue of $1,000
  • 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  • Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn)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 $500
  • Add to the certificate in increments of $50 or more

Purchase a certificate today at any of our PFCU branches in West/Central Michigan and enjoy great certificates rates. If you have any questions, use our live chat support feature at the top of this page or contact us.