CDs & IRAs

Grow your savings faster than a traditional savings account with investments!

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
2 Month (Share Certificate Only)¹	.05	.05	$250
3Month (Share Certificate Only)¹	.05	.05	$250
6 Month¹	.10	.10	$250
6 Month²	.10	.10	$250
1 Year¹	.20	.20	$250
1 Year (Automatic Deposit)^2,3	.20	.20	$250

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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 Month	.25	.25	$250
2 Year	.25	.25	$250
2.5 Year	.30	.30	$250
3 Year	.30	.30	$250
4 Year	.35	.35	$250
5 Year	.45	.45	$250

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IRA Share

Account Type	Dividend Rate (%)	Annual Percentage Yield (APY) (%)	Min. Required to Earn Stated APY
IRA Share²	.03	.03	$0

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Rates effective as of November 15, 2021.

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.
4: Dividends compounded and paid quarterly.

Penalty for early certificate withdrawal. Fees affect APY and may reduce earnings on these accounts.

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.