Save for tomorrow with a Certificate.
CERTIFICATE RATES
1APY=Annual Percentage Yield. Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
1APY=Annual Percentage Yield. Fees or penalties may reduce earnings, including early withdrawal. Account qualifications apply. View our Schedule of Rates and Fees or contact credit union for full details.
Start your Share Certificate application
Certificate Benefits
Get a consistent return that safely grows your money without having to worry about the uncertainty of today’s market. Enjoy flexible terms and options that put you in control of how long — and how much — you save. Share Certificates let you focus on what’s important today, while they earn you money for tomorrow.
Competitive Rates
Flexible Terms
Peace of Mind
Guaranteed Growth
What is a Certificate of Deposit?
A Share Certificate, sometimes referred to as a Certificate of Deposit, is a dividend-earning savings product. They earn dividends on a lump sum for a fixed period of time (usually 6 months to 5 years).
Share Certificates must remain untouched during the selected time period, which is why they benefit from higher rates than a typical savings account.
Certificates are considered a relatively low risk investment because the returns are guaranteed, unlike money in the stock market. They can provide modest income during turbulent economic times like recessions, when other types of investments often lose value.
Not sure which savings product is best for your needs? Let us help guide you. Contact a PCU Member Advisor today!
Tips for using a Share Certificate:
There are many different ways you can use a Certificate. Maybe you're going on a big trip in a few years or you're headed off to college soon. Some of our favorite uses are below.
- Retirement: Diversify your retirement savings, particularly if you're close to retirement age and want a low-risk, guaranteed investment.
- Gifts: Opening a certificate for a child or grandchild is not only an excellent gift, it's also a great way to start teaching them about saving and the value of money.
- Future Projects: If you know there is a big project or trip in your future, a certificate can help you grow the money you have so it'll be ready for you when you need it.
Start building your perfect budget today!
Ready to get started? Download your guide now:
What our members are saying:
“Customer service is always so wonderful any time I have to interact with a representative! I appreciate how quick the loan officers and underwriters work to process all of my applications! Best credit union EVER!”
Edlyn C. Member Since 2018“Thank you for making the whole process so easy and less stressful!”
Maria P. Member Since 2017“Amber was terrific! Really enjoyed working with her. Everything moved extremely fast! Thanks so much!”
Barbara G. Member Since 2019New in Our Blog
Enjoy browsing our collection of recent blog articles that will help you learn and grow your savings!
DISCLOSURES
Membership eligibility required to open account. Please refer to our Schedule of Rates and Fees for full details.