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Certificates

Home > Personal Accounts > Savings > Certificate Accounts | Certificates | Rockland County | Palisades Credit Union

Certificates

Palisades Credit Union wants to grow your money so that you can enjoy it. Earn higher-yielding dividends with certificates. It's a convenient, safe way to maximize your savings. All of our certificates are fully insured by NCUA.

Fixed Rate Certificate

Fixed Rate Certificates give you a set rate for the term of your certificate. In addition to our regular Fixed Rate Certificates we will periodically offer Certificate Specials to our membership.

  • Higher yields than savings, checking, money market accounts.
  • Flexible terms from 3 to 60 months.
  • Eligible for yield increases for Advantage Pricing and higher deposits.
  • Can be pledged as collateral for a secured loan.
  • Only requires a $500 minimum deposit.

Step Up Certificate

Step Up Certificates allow you to select a fixed rate certificate but during your term, if rates increase for your specific certificate you can step up you rate and take advantage of higher yields! You may only step up your certificate once per term.

  • Higher yields than savings, checking, money market accounts.
  • Flexible terms from 24 to 36 months.
  • Eligible for yield increases for Advantage Pricing and higher deposits.
  • Can be pledged as collateral for a secured loan.
  • Only requires a $500 minimum deposit.

Certificate Accounts and IRAs have penalties for early withdrawals. Fees could reduce the earnings on the account. 

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