Certificates & IRAs

A prime way to earn higher dividends

FLASH SALE

4.00% APY 13-Month Certificate*

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*Annual Percentage Yield (APY) reflects dividend rate of 4.01% with dividends credited and compounded at maturity. Offer valid 07/28/2025 - 08/02/2025. Penalty for early certificate withdrawal. Fees may reduce actual earnings. Minimum opening deposit: $250. Membership eligibility required. Federally insured by NCUA.

A Certificate empowers you to save confidently on your terms.

Traditional Certificate

Earn higher dividends when you commit to longer savings terms.

Roth IRA Certificate

Contribute after-tax dollars and enjoy tax-free growth for retirement. Learn more about Roth IRA contributions and distributions on the Internal Revenue Service (IRS) website.2

Traditional IRA Certificate

Contribute pre- or after-tax dollars and enjoy tax-deferred growth for your retirement savings. Learn more about Traditional IRA contributions and distributions on the Internal Revenue Service (IRS) website.2

Coverdell Certificate

Contribute after-tax dollars and enjoy tax-free growth for qualified education expenses. Learn more about Coverdell contributions and distributions on the Internal Revenue Service (IRS) website.2

Term Rate APY2 Min. Required to Earn Stated APY2
2 Month3,4 0.75% 0.75% $250
3 Month3,4 0.75% 0.75% $250
6 Month3 1.00% 1.00% $250
12 Month3 2.00% 2.00% $250
12 Month (Automatic Deposit)5,6 2.00% 2.00% $250
18 Month7 2.00% 2.02% $250
24 Month7 2.50% 2.53% $250
30 Month7 2.60% 2.63% $250
36 Month7 2.75% 2.79% $250
48 Month7 2.85% 2.89% $250
60 Month7 3.00% 3.04% $250
Rate Match Ask Us Ask Us $250
Effective Date: September 17, 2025

IRA Share5

Rate APY2 Min. Required to Earn Stated APY2
.03% .03% $0
Effective Date: September 17, 2025
Membership eligibility is required.
1: APY is "Annual Percentage Yield". Rate(s) effective as of date indicated by table. Fees may apply and reduce earnings. View Truth in Savings disclosure for full details.
2: Prime Financial Credit Union does not offer tax advice. Consult your tax advisor.
3: Dividends compounded and paid at maturity.
4: Share Certificate only.
5: Dividends compounded and paid monthly.
6: Certificate requires a $50 minimum monthly recurring auto-transfer deposit from another PFCU account. $25,000 maximum balance.
7: Dividends compounded and paid quarterly.

Open a Certificate today!

Features & Benefits

Dividends up to 

3.04%

APY1

Automatic Renewal Options
Flexible Dividend Posting
Low Minimum Balance
Tax Benefits
With Select Account Types
Federally Insured by NCUA
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