With a Share Certificate, you'll earn a higher dividend rate than with traditional savings in exchange for committing to keep your funds on deposit for a specific amount of time.  Typically, the longer the term, the higher yield you will earn. A Certificate is a great way to invest money risk-free, with a guaranteed rate of return. Plus, your deposits are insured up to $250,000 per account by American Share Insurance.

Early withdrawal penalties apply if you break the Certificate and withdraw funds early; helping encourage you to maintain your savings.

Regular Share Certificate

With a minimum deposit of $500, our regular Share Certificates have terms ranging from 182 days to 5 years. IRA Certificates are also available. 

Dividends are credited monthly, on the 1st of the month, and at term maturity. You can choose to have the dividends reinvested into the Certificate, or deposited to your PFCU Savings or Checking. You can pledge the funds in a Regular Share Certificate as collateral for a Certificate Secured Loan.

Payroll Deduction Certificate

Our 12-month Payroll Deduction Certificate is unique in that you can open with as little as $25; and continue to deposit into the Certificate throughout the term. It requires a minimum deposit of $25 each payday; allowing you to start small and build your savings with a great rate.

You can choose to have the dividends reinvested into the Certificate, or deposited to your PFCU Savings or Checking. You can pledge the funds in this Certificate as collateral for a Payroll Deduction Certificate Secured Loan.

To open an account, stop by the branch or give us a call today.