Deposit Rates
Deposit Rates
| Savings Accounts | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| (Minimum balance $5.00. Earn APY on Balances $50.00 or Greater) | ||
| Savings | 0.04% | 0.04% |
| Special Savings | 0.04% | 0.04% |
| High-Yield Savings | 2.50% | 2.50% |
| Youth Savings up to $2,000 | 1.50% | 1.50% |
| Youth Saving in excess of $2,000 | 0.04% | 0.04% |
| Basic Checking | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| Basic Checking | 0.00% | 0.00% |
| Rewards Checking | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| Rewards Checking | 0.00% | 0.00% |
| Business Checking Accounts | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| Basic Business Checking | 0.00% | 0.00% |
| Advanced Business Checking | 0.00% | 0.00% |
| Money Market | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| (Minimum Balance $2,500.00) (Minimum balance to earn APY is $2,500.00) | ||
| Tier 1 ($2,500 - $9,999) | 0.05% | 0.05% |
| Tier 2 ($10,000 - $24,999) | 0.10% | 0.10% |
| Tier 3 ($25,000 - $49,999) | 0.15% | 0.15% |
| Tier 4 ($50,000 - $99,999) | 0.20% | 0.20% |
| Tier 5 ($100,000 - $249,999) | 0.25% | 0.25% |
| Tier 6 ($250,000+) | 0.30% | 0.30% |
| IRA Savings | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| Your PFCU IRA and Roth Account(s) are now insured up to an aggregate amount of $250,000 | ||
| Tier 1 ($0 - $24,999.99) | 0.04% | 0.04% |
| Tier 2 ($25,000 +) | 0.14% | 0.14% |
| Certificates | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| (Minimum Balance $500.00. Minimum Balance to earn APY is $500.00) | ||
| 3 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 5 Month | ||
| $500+ | 3.94% | 4.00% |
| 6 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20 | 0.20% |
| 11 Month | ||
| $500+ | 4.17% | 4.25% |
| 12 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 18 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 24 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 36 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 48 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 60 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $100,000 - $149,999.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| IRA Certificates | ||
| Effective Date: Tuesday, May 30th, 2023 | ||
| Product | Rate* | APY** |
| (Minimum Balance $500.00. Minimum balance to earn APY is $500.00) Your PFCU IRA and Roth Account(s) are now insured up to an aggregate amount of $250,000 | ||
| 12 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 24 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 36 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 48 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
| 60 Month | ||
| $500 - $9,999.99 | 0.05% | 0.05% |
| $10,000- $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.15% | 0.15% |
| $100,000 - $149,99.99 | 0.20% | 0.20% |
| $150,000 + | 0.20% | 0.20% |
For variable-rate accounts, rates may change after the account is opened without prior notice and are compounded date of deposit. Annual Percentage Yield assumes principal and interest remain on deposit for the term of the certificate.
Certificate Accounts and IRAs Accounts have penalties for early withdrawals. Certificates are automatically renewed at maturity. Fees could reduce the earnings on the account.
* Rate - Advertised Rate
** APY - Annual Percentage Yield
***APY = Annual Percentage Yield. Limited time offer. APY subject to change at any time. Minimum $500 opening deposit required. Offer does not apply to Coverdell IRAs or Conversion IRAs. Must be eligible for membership with Palisades Credit Union to open certificate account, visit website for details. Federally insured by NCUA.
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