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Deposit Rates

Home > Rates > Deposit Rates | Certificate Rates | Savings Rates | Palisades Credit Union

Savings Rates

Rates effective as of December 5, 2018 and are subject to change anytime without notice

Savings Rates

Savings Accounts
ProductRate*APY**
(Minimum balance $5.00. Earn APY on Balances $50.00 or Greater)
Savings 0.04% 0.04%
Special Savings 0.04% 0.04%

Basic Checking
ProductRate*APY**
Basic Checking 0.00% 0.00%

Free Kasasa Rewards Checking
ProductRate*APY**
Kasasa Cash up to $25,000 1.98% 2.00%
Kasasa Cash Back 0.00% 0.00%

Business Checking Accounts
ProductRate*APY**
Basic Business Checking 0.00% 0.00%
Advanced Business Checking 0.00% 0.00%

Money Market
ProductRate*APY**
(Minimum Balance $2,500.00) (Minimum balance to earn APY is $2,500.00)
Tier 1 ($2,500 - $9,999) 0.15% 0.15%
Tier 2 ($10,000 - $24,999) 0.35% 0.35%
Tier 3 ($25,000 - $49,999) 0.50% 0.50%
Tier 4 ($50,000 - $99,999) 0.60% 0.60%
Tier 5 ($100,000 - $249,999) 0.70% 0.70%
Tier 6 ($250,000+) 0.80% 0.80%

IRA Savings
ProductRate*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%

Holiday Club
ProductRate*APY**
(Minimum Balance to earn APY is $50.00 )
Holiday Club 0.05% 0.05%

Vacation Club
ProductRate*APY**
(Minimum Balance to earn APY is $50.00 )
Vacation Club 0.04% 0.04%

Certificates
ProductRate*APY**
(Minimum Balance $500.00. Minimum Balance to earn APY is $500.00)
3 Month
$500 - $9,999.99 0.15% 0.15%
$10,000- $49,999.99 0.25% 0.25%
$50,000 - $99,999.99 0.35% 0.35%
$100,000 - $149,999.99 0.45% 0.45%
$150,000 + 0.55% 0.55%
6 Month
$500 - $9,999.99 0.30% 0.30%
$10,000- $49,999.99 0.40% 0.40%
$50,000 - $99,999.99 0.50% 0.50%
$100,000 - $149,999.99 0.60% 0.60%
$150,000 + 0.70% 0.70%
12 Month
$500 - $9,999.99 1.00% 1.01%
$10,000- $49,999.99 1.10% 1.11%
$50,000 - $99,999.99 1.20% 1.21%
$100,000 - $149,999.99 1.30% 1.31%
$150,000 + 1.40% 1.41%
13 Month Special - limited time only
Minimum $500  2.95% 3.00%
18 Month
$500 - $9,999.99 1.30% 1.31%
$10,000- $49,999.99 1.45% 1.46%
$50,000 - $99,999.99 1.60% 1.61%
$100,000 - $149,999.99 1.75% 1.76%
$150,000 + 1.98% 2.00%
24 Month
$500 - $9,999.99 1.01% 1.02%
$10,000- $49,999.99 1.11% 1.12%
$50,000 - $99,999.99 1.21% 1.22%
$100,000 - $149,999.99 1.31% 1.32%
$150,000 + 1.41% 1.42%
36 Month
$500 - $9,999.99 1.06% 1.07%
$10,000- $49,999.99 1.21% 1.22%
$50,000 - $99,999.99 1.36% 1.37%
$100,000 - $149,999.99 1.51% 1.52%
$150,000 + 1.66% 1.67%
48 Month
$500 - $9,999.99 1.25% 1.26%
$10,000- $49,999.99 1.40% 1.41%
$50,000 - $99,999.99 1.55% 1.56%
$100,000 - $149,999.99 1.70% 1.71%
$150,000 + 1.85% 1.87%
60 Month
$500 - $9,999.99 1.26% 1.27%
$10,000- $49,999.99 1.41% 1.42%
$50,000 - $99,999.99 1.66% 1.67%
$100,000 - $149,999.99 1.91% 1.93%
$150,000 + 2.16% 2.18%
Advantage Pricing Yield Increase: Members who have Advantage Pricing will earn an additional .15% yield on any certificate with the exception of promotional certificate.

IRA Certificates
ProductRate*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 1.00% 1.01%
$10,000- $49,999.99 1.10% 1.11%
$50,000 - $99,999.99 1.20% 1.21%
$100,000 - $149,99.99 1.30% 1.31%
$150,000 + 1.40% 1.41%
13 Month Special - limited time only
Minimum $500 2.95% 3.00%
24 Month
$500 - $9,999.99 1.01% 1.02%
$10,000- $49,999.99 1.11% 1.12%
$50,000 - $99,999.99 1.21% 1.22%
$100,000 - $149,99.99 1.31% 1.32%
$150,000 + 1.41% 1.42%
36 Month
$500 - $9,999.99 1.06% 1.07%
$10,000- $49,999.99 1.21% 1.22%
$50,000 - $99,999.99 1.36% 1.37%
$100,000 - $149,99.99 1.51% 1.52%
$150,000 + 1.66% 1.67%
48 Month
$500 - $9,999.99 1.25% 1.26%
$10,000- $49,999.99 1.40% 1.41%
$50,000 - $99,999.99 1.55% 1.56%
$100,000 - $149,99.99 1.70% 1.71%
$150,000 + 1.85% 1.87%
60 Month
$500 - $9,999.99 1.26% 1.27%
$10,000- $49,999.99 1.41% 1.42%
$50,000 - $99,999.99 1.66% 1.67%
$100,000 - $149,99.99 1.91% 1.93%
$150,000 + 2.16% 2.18%
Advantage Pricing Yield Increase: Members who have Advantage Pricing will earn an additional .15% yield on any certificate with the exception of promotional certificate.

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 principle and interest remain on deposit for the term of the certificate.

Certificate Accounts, IRAs, Lucky Savers 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. Fees could reduce the earnings on the account. 

*  Rate- Advertised Rate
** APY - Annual Percentage Yield
*** To receive Advantage Pricing you need to qualify in your Kasasa checking account. Click here for more Advantage Pricing information.

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