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Deposit Rates

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Deposit Rates

Deposit Rates

Savings Accounts
Effective Date: Sunday, July 3rd, 2022
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%
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: Sunday, July 3rd, 2022
ProductRate*APY**
Basic Checking 0.00% 0.00%

Rewards Checking
Effective Date: Sunday, July 3rd, 2022
ProductRate*APY**
High-Yield Checking up to $10,000 2.98% 3.00%
High-Yield Checking in excess of $10,000 0.04% 0.04%

Business Checking Accounts
Effective Date: Sunday, July 3rd, 2022
ProductRate*APY**
Basic Business Checking 0.00% 0.00%
Advanced Business Checking 0.00% 0.00%

Money Market
Effective Date: Sunday, July 3rd, 2022
ProductRate*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: Sunday, July 3rd, 2022
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%

Certificates
Effective Date: Sunday, July 3rd, 2022
ProductRate*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%
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%
8 Month
$10,000 +*** 0.85% 0.85%
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%
13 Month
$500 +*** 1.49% 1.50%
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 Step-Up
$500 +**** 2.47% 2.50%
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%
$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%

IRA Certificates
Effective Date: Sunday, July 3rd, 2022
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 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, IRAs and Lucky Savers 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
*** 
Limited time offer, minimum $500 new money deposit required; funds cannot have been previously on deposit at Palisades Credit Union within the last 30 days. Offer does not apply to any IRAs or Coverdell IRA Certificates.
**** Limited time offer, minimum $500 new money deposit required; funds cannot have been previously on deposit at Palisades Credit Union within the last 30 days. Offer does not apply to any IRAs or Coverdell IRA Certificates. Step-Up Certificate allows a one-time rate “step-up” during the term of the certificate. The step-up rate will be determined by the Credit Union’s current 24-month standard certificate rate at the time of step-up and will apply until the end of the original term. Rate step-up is not automatic and must be requested by accountholder.

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