Share Certificates


Earn up to


*Annual Percentage Yield

Sock away some money for a rainy day fund or retirement with PFCU’s Share certificates. PFCU offers certificates for various terms and various 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  • Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn)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

  • Members under age 18 can purchase certificates with terms of 60 months or until their 18th birthday, whichever occurs first
  • Minimum issue of $250
  • Add to the certificate in increments of $25 or more

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

  *Some restrictions apply. Annual Percentage Yield. Minimum balance $1,000.
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.

Certificate Rates

Rates Effective: March 2021
TermRegular Certificates RateAnnual Percentage Yield (APY)
6 months0.250%0.250%
12 months0.350%0.350%
24 months0.500%0.500%
36 months0.600%0.600%
48 months0.700%0.700%
60 months0.800%0.800%

Very dependable and good on rates.

Open a Certificate