Basic Savings Account | Checking | Premium Checking | Money Market | Certificate Account | IRAs | Holiday Club
 | Vacation Club

Rates in effect as of July 22, 2010 and subject to change at any time

Basic Savings Account  (Minimum balance $5.00 earn Dividends on Balances $50.00 or Greater)
	Annual Percentage Rate	Annual Percentage Yield
Savings	0.15%	0.15%
Special Savings	0.15%	0.15%
Checking  (No Minimum Balance Required)
	Annual Percentage Rate	Annual Percentage Yield
	0.00%	0.00%
Premium Checking  ($4,000.00 minimum monthly balance required to avoid fees.)
Tier 1  ( 0-$2,499.00)	0.25%	0.25%
Tier 2 ($2,500-$19,999)	0.25%	0.25%
Tier 3 ( > $20,000)	0.25%	0.25%
Money Market  (Minimum Balance $2,500.00)
	Annual Percentage Rate	Annual Percentage Yield
Tier 1 ($2.5k-$9,999)	0.40%	0.40%
Tier 2 ($10k-$24,999)	0.55%	0.55%
Tier 3 ($25k-$49,999)	0.70%	0.70%
Tier 4 ($50k-$99,999)	0.75%	0.75%
Tier 5 ($100k-249,999)	0.80%	0.80%
Tier 6 ($250,000+)	1.00%	1.00%
Certificate Account  (Minimum Balance $500.00)
	Standard Rate		Advantage Pricing*
	Annual Percentage Rate	Annual Percentage Yield	Annual Percentage Rate	Annual Percentage Yield
3 month	0.25%	0.25%	0.50%	0.50%
6 month	0.25%	0.25%	0.50%	0.50%
12 month	0.50%	0.50%	0.75%	0.75%
24 month step up **	0.75%	0.75%	1.00%	1.00%
24 month	1.00%	1.00%	1.24%	1.25%
36 month	1.24%	1.25%	1.49%	1.50%
60 month step-up **	1.98%	2.00%	2.23%	2.25%
60 month	2.23%	2.25%	2.47%	2.50%
Please note: If you open either a term certificate or IRA with an initial balance equal to or greater than $50,000.00 you will receive a rate of one tenth of a point (.10) higher than that week's posted rate.
IRAs- Your PFCU IRA and Roth account(s) are now insured up to an aggregate amount of $250K (Roth, Traditional, Coverdell Savings, Conversions)
	Standard Rate		Advantage Pricing*
	Annual Percentage Rate	Annual Percentage Yield	Annual Percentage Rate	Annual Percentage Yield
Tier 1 Savings ($25- $24,999.99)	0.15%	0.15%	N/A	N/A
Tier 2 Savings ($25,000- 49,999.99)	0.15%	0.15%	N/A	N/A
Tier 3 Savings ($50,000 plus)	0.15%	0.15%	N/A	N/A
12 month ($500 min bal)	0.50%	0.50%	0.75%	0.75%
24 month step-up  ($500 min bal) **	0.75%	0.75%	1.00%	1.00%
24 month ($500 min bal)	1.00%	1.00%	1.24%	1.25%
36 month ($500 min bal)	1.24%	1.25%	1.49%	1.50%
60 month step-up ($500 min bal) **	1.98%	2.00%	2.23%	2.25%
60 month ($500 min bal)	2.23%	2.25%	2.47%	2.50%
Holiday Club  (No Minimum Balance Required)
	Annual Percentage Rate	Annual Percentage Yield
Holiday Club	0.50%	0.50%
Vacation Club  (No Minimum Balance Required)
	Annual Percentage Rate	Annual Percentage Yield
Vacation Club	0.15%	0.15%
All rates are subject to change without prior notice and are compounded date of deposit.  Annual Percentage Yield assumes principle and interest remain on deposit for the term of the certificate.
Certificate Accounts, IRAs and Holiday Club Accounts have penalties for early withdrawals. Certificates are automatically renewed at maturity. Holiday Club Account is a fixed yield for one year.
* To be an Advantage Pricing Program member you need to have direct deposit of your net pay, social security check, or pension into your PFCU checking account.  When you do, you'll receive the following benefit:  Add an additional 25 basis points (one quarter of one percent) to any term certificate or IRA you open  (With the exception of special term certificate, IRA promotions, real estate/ share secured loans excluded).  If direct deposit of your net pay is not available from your employer, you can still take advantage of the benefits listed above by pledging a sum of $500.00 into a Palisades Federal Credit Union Advantage Pledge Savings non-interest bearing account. ** Step-up option allows a one-time rate increase to the rate currently being offered and must be requested in writing. Initial maturity date remains in place.