CDs & IRAs
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Short-Term Investments (1 Year & Less)
Share & IRA Certificates - Roth, Traditional, & Coverdell
| Account Term | Dividend Rate (%) | Annual Percentage Yield (APY) (%) | Min. Required to Earn Stated APY |
|---|---|---|---|
| 60 Day (Share Certificate Only)1 | .40 | .40 | $250 |
| 90 Day (Share Certificate Only)1 | .40 | .40 | $250 |
| 182 Day1 | .50 | .50 | $250 |
| 182 Day2 | .50 | .50 | $250 |
| 1 Year1 | .65 | .65 | $250 |
| 1 Year (Automatic Deposit)2,3 | .65 | .65 | $250 |
| RATE MATCH | Ask Us! | Ask Us! | $250 |
1: Dividends compounded and paid at maturity
2: Dividends compounded and paid monthly.
3: Certificate requires $50 minimum monthly recurring auto transfer deposit from another PFCU account. $25,000 maximum balance.
Penalty for early certificate withdrawal. Fees affect APY and may reduce earnings on these accounts.
Long-Term Investments (Over 1 Year)4
Share & IRA Certificates - Roth, Traditional, & Coverdell
| Account Term | Dividend Rate (%) | Annual Percentage Yield (APY) (%) | Min. Required to Earn Stated APY |
|---|---|---|---|
| 18 Month1 | .65 | .65 | $250 |
| 2 Year | .80 | .80 | $250 |
| 2.5 Year | .80 | .80 | $250 |
| 3 Year | 1.00 | 1.00 | $250 |
| 4 Year | 1.25 | 1.26 | $250 |
| 5 Year | 1.55 | 1.56 | $250 |
| RATE MATCH | Ask Us! | Ask Us! | $250 |
4: Dividends compounded and paid quarterly.
Penalty for early certificate withdrawal. Fees affect APY and may reduce earnings on these accounts.
IRA Share
| Account Type | Dividend Rate (%) | Annual Percentage Yield (APY) (%) | Min. Required to Earn Stated APY |
|---|---|---|---|
| IRA Share5 | .15 | .15 | $0 |
5: Dividends compounded and paid monthly.
Penalty for early certificate withdrawal. Fees affect APY and may reduce earnings on these accounts.
Deposit Rate Disclosures
Rates effective as of January 1, 2020.
APY = Annual Percentage Yield. Membership required. Share Savings, along with membership deposit, required with all savings, checking, investments and money market accounts.
Additional information regarding compounding and crediting and other account information can be found in the Truth-in-Savings Disclosure. Ask a Member Service Representative for complete details on fees and terms applicable to the listed accounts. Funds federally insured by NCUA.