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Open a savings account with just $5.

Our Primary Savings Account is your gateway to a secure tomorrow. With just $5, you'll establish your membership and part ownership in PCU.

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SAVINGS ACCOUNT INTEREST RATES

1APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions, and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership availability.

Rates as of: February 1, 2024
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
APY1
Account Balance
$100 - $4,999.99
Min Balance to Receive Dividends
$100.00
DIVIDEND RATE
0.20%
APY1
0.20%
Account Balance
$5,000+
Min Balance to Receive Dividends
$100.00
DIVIDEND RATE
0.30%
APY1
0.30%
Rates as of: February 1, 2024
Min Balance to Receive Dividends
DIVIDEND RATE
APY1
Min Balance to Receive Dividends
$100.00
DIVIDEND RATE
0.75%
APY1
0.75%

1APY – Annual Percentage Yield. Rates may change after the account is opened. Terms, conditions, and services are subject to change without notice. Fees could reduce earnings on the account. Certain restrictions may apply. Subject to membership availability.

Join PCU with a Savings Account or Open a Secondary Savings Account.

Savings Account Benefits

All PCU members automatically start with a Primary Savings Account, as this is what makes you a member-owner of the credit union. You can use this account for all your saving needs, or you can open additional savings accounts to create different funds or organize your finances. You also gain access to all the valuable products and services we offer that help you reach goals at various life stages.

We strive to create and foster a long-term relationship, and it all starts with a $5 deposit.

As you use this account to build your savings, you also gain access to all the valuable products and services we offer that help you reach goals at various life stages. We strive to create and foster a long-term relationship, and it all starts with a $5 deposit.

Young man in the city happy because he opened a PCU Savings Account

Low Minimums

Open a Primary Savings Account with just $5 and secure your share and membership with PCU!2

Payroll Deduction

Build your savings account faster when you deduct money before you're tempted to spend it!

Earn Dividends

Boost your savings with dividend earning when you keep an average daily balance of $100 or more.

No Monthly Fees

Reach your savings goals faster with PCU. We don't charge monthly fees on our Basic Savings Accounts!
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Holiday Savings Account

When you save for the holidays all year long, you can relax and focus on family traditions and filling the season with joy! 

  • Earn All Year: Our Holiday Savings Account pays dividends on account balances of $100 or more.
  • Low Minimums: Start your Holiday Savings ccount with only $5!
  • No Monthly Fees: Financial demands of the holidays can be tough. That's why we don't charge a monthly fee on your Holiday Savings Account.3
Open Holiday Savings
Woman Holiday Shopping
Man kayaking on vacation after reaching his savings goals with a PCU savings account

How to Reach Your Savings Goals

Whether you're saving for a down payment or your kids' future, we're ready to help you reach your financial goals.

  • Emergency Savings: Setting aside three to six months of your monthly expenses is a great way to prepare for the unexpected.
  • Big Purchases: Set aside money for a down payment on a house or car, new appliances, or any upcoming big-ticket item on your list.
  • Vacation: Take that much-needed break with a trip to the beach, the mountains, or anywhere you can dream up with a savings account from PCU!
Open Savings Account
PCU Budgeting Tips and Tricks Guide Cover

Start building your perfect budget today!

Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money 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 2019

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DISCLOSURES

Account qualifications apply. Please review our Fee Schedule for more information. 

2 An initial deposit of $5 is required to gain your stake in the credit union. All members must maintain a $5 minimum balance in their savings account to remain a member-owner and demonstrate regular activity in their account to keep it open. 3 For Holiday Savings Accounts, you may make withdrawals in the first six days of account opening without a charge; thereafter, there is a $10.00 charge per withdrawal prior to November 1. After November 1, the account balance will be paid to you by check or a transfer to another account. 

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© Providence Credit Union 2025 | 9205 SW Barnes Road Portland, OR 97225 | Routing #: 323075136

Privacy Policy | Schedule of Fees & Rates | Disclosures | Luxury Expenditures Policy

PCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Providence Credit Union (PCU), Consolidated Community Credit Union (CCCU) and CCCU Cascade are all trade names or registered service marks of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union; shares and deposits held at each office are not separately insured.

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