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Savings Rates

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Savings Rates

Rates effective as of January 29, 2016 and are subject to change anytime without notice

Savings Rates

Savings Accounts
NameRate*APY**
(Minimum balance $5.00 earn Dividends on Balances $50.00 or Greater)
Savings 0.04% 0.04%
Special Savings 0.04% 0.04%

Free Kasasa Rewards Checking
NameRate*APY**
Kasasa Cash up to $25,000 1.99% 2.00%
Kasasa Cash Back 0.00% 0.00%

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

Money Market
NameRate*APY**
(Minimum Balance $2,500.00)
Tier 1 ($2,500 - $9,999) 0.04% 0.04%
Tier 2 ($10,000 - $24,999) 0.04% 0.04%
Tier 3 ($25,000 - $49,999) 0.20% 0.20%
Tier 4 ($50,000 - $99,999) 0.25% 0.25%
Tier 5 ($100,000 - $249,999) 0.25% 0.25%
Tier 6 ($250,000+) 0.35% 0.35%

Holiday Club
NameRate*APY**
Holiday Club 0.05% 0.05%

Vacation Club
NameRate*APY**
Vacation Club 0.04% 0.04%

Certificates
NameRate*APY**
(Minimum Balance $500.00)
3 month 0.25% 0.25%
6 month 0.30% 0.30%
12 month 0.70% 0.75%
24 month step up**** 1.00% 1.01%
24 month 1.10% 1.11%
36 month step up**** 1.10% 1.11%
36 month 1.20% 1.21%
60 month step up**** 1.34% 1.35%
60 month 1.40% 1.41%
15 Month Special 1.00% 1.01%
25 Month Special 1.30% 1.31%
Advantage Pricing Yield Increase: Members who have Advantage Pricing will earn additional .15% yield on any certificate with the exception of promotional certificate.
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. This does not apply to Promotional term certificates.

IRAs
NameRate*APY**
Your PFCU IRA and Roth account(s) are now insured up to an aggregate amount of $250K (Roth, Traditional, Coverdell Savings, Conversions)
Tier 1 Savings ($0 - $24,999.99) 0.04% 0.04%
Tier 2 Savings ($25,000 - 49,999.99) 0.14% 0.14%
Tier 3 Savings ($50,000 plus) 0.14% 0.14%
12 month ($500 min bal) 0.70% 0.75%
24 month step-up ($500 min bal) **** 1.00% 1.01%
24 month ($500 min bal) 1.10% 1.11%
36 month step up ($500 min bal)**** 1.10% 1.11%
36 month ($500 min bal) 1.20% 1.21%
60 month step up ($500 min bal) **** 1.34% 1.35%
60 month ($500 min bal) 1.40% 1.41%
15 Month Special 1.00% 1.01%
25 Month Special 1.30% 1.31%
Advantage Pricing Yield Increase: Members who have Advantage Pricing will earn additional .15% yield on any IRA with the exception of promotional IRA rates.
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. This does not apply to Promotional term IRAs.

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 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 have direct deposit OF $500 into your PFCU checking account. Click here for more Advantage Pricing information.
**** 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.

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