Savings Rates

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

Savings Accounts (Minimum balance $5.00 earn Dividends on Balances $50.00 or Greater)
  Rate * APY **
Savings 0.04% 0.04%
Special Savings 0.04% 0.04%
Checking (No Minimum Balance Required)
  Rate* APY **
Checking 0.00% 0.00%
Free Dividend Checkingt ($500 min cumulative direct deposit required to avoid $10 monthly maintenance fee.)
  Rate* APY**
Tier 1 ( 0 - $4,999.00) 0.05% 0.05%
Tier 2 ($5,000 - $9,999) 0.10% 0.10%
Tier 3 ($10,000 - $24,999) 0.15% 0.15%
Tier 4 ($25,000 - $49,999) 0.20%  0.20% 
Tier 5 ($50,000 - $99,999)  0.25%  0.25% 
Tier 6 ($100,000+)  0.25%  0.25% 
 tE-Statement only account
 
Business Checking Accounts 
  Rate * APY **
Business Checking  ($5,000 min. required to avoid fee) 0.00%  0.00%
Premier Checking ($15,000 min. required to avoid fee) 0.10%  0.10%
 
Money Market (Minimum Balance $2,500.00)
  Rate* APY**
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%
Certificate Account (Minimum Balance $500.00)
 

Standard Rate

Advantage Pricing ***

  Rate* APY** Rate* APY**
3 month 0.25% 0.25% 0.40% 0.40%
6 month 0.30% 0.30% 0.45% 0.45%
12 month 0.70% 0.75% 0.85% 0.85%
24 month step up**** 1.00% 1.01% 1.15% 1.16%
24 month 1.10% 1.11% 1.25% 1.26%
36 month step up**** 1.10% 1.11% 1.25% 1.26%
36 month 1.20% 1.21% 1.35% 1.36%
60 month step up**** 1.34% 1.35% 1.49% 1.50%
60 month 1.40% 1.41% 1.55% 1.56%
         
 15 Month Special 1.00% 1.01%  N/A N/A 
 25 Month Special 1.30%  1.31%  N/A  N/A 

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 Your PFCU IRA and Roth account(s) are now insured up to an aggregate amount of $250K (Roth, Traditional, Coverdell Savings, Conversions)
 

Standard Rate

Advantage Pricing***

  Rate*  APY**  Rate*  APY** 
Tier 1 Savings ($0 - $24,999.99) 0.04% 0.04% 0.04% 0.04%
Tier 2 Savings ($25,000 - 49,999.99) 0.14% 0.14% 0.14% 0.14%
Tier 3 Savings ($50,000 plus) 0.14% 0.14% 0.14% 0.14%
12 month ($500 min bal) 0.70% 0.75% 0.85% 0.85%
24 month step-up 
($500 min bal)
****
1.00% 1.01% 1.15% 1.16%
24 month ($500 min bal) 1.10% 1.11% 1.25% 1.26%
36 month step up
($500 min bal)****
1.10% 1.11% 1.25% 1.26%
36 month ($500 min bal) 1.20% 1.21% 1.35% 1.36%
60 month step up
($500 min bal) ****
1.34% 1.35% 1.49% 1.50%
60 month ($500 min bal) 1.40% 1.41% 1.55% 1.56%
         
15 Month Special 1.00% 1.01% N/A N/A
25 Month Special 1.30% 1.31% N/A N/A
Holiday Club (No Minimum Balance Required.Earn dividends on balances $50.00 or greater)
  Rate * APY**
Holiday Club 0.05% 0.05%
Vacation Club (No Minimum Balance Required.Earn dividends on balances $50.00 or greater)
  Rate*
APY **
Vacation Club 0.04% 0.04%

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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