We’ll be closing at 1:30 pm on Tuesday, July 30 for an All Staff Meeting. We’ll resume regular business hours the following day, July 31.

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Savings Accounts


Open a savings account with just $5
Open An Account

Effective Date as of 07/01/2024

Prime Time Savings


% APY*

for ages 60+

I’m not a member yet

It’s easy to open a savings account once you become a PFCU member.

Login to Online Banking

I’m already a member

Three easy steps to open additional deposit accounts:

Open an Account

Savings Account

Regular Savings

Grow your money as a member

Whether you’re planning a trip, putting money away for a rainy day, or saving for life’s next big moment, we have a variety of solutions to help you reach your goals:

  • No monthly fees
  • Minimum balance of $5
  • Free online and mobile banking
  • Free financial counseling and advice
  • Early Direct Deposit – Get your funds up to two days early1

Prime Time Savings

Things get better with age.

Did you know that if you are age 60 or older, you can enjoy PRIME benefits at PFCU? There is no fee to join, and you can enjoy these great benefits:

  • Free box of checks annually
  • Minimum balance of $5
  • Earn higher returns than our Regular Savings Account with a $100 minimum balance
  • Automatically available when you turn 60
  • Early Direct Deposit – Get your funds up to two days early1

Holiday Club Account

Start saving for big moments and special occasions

We could all use a little extra cash around the holidays. Tax time, too. Plan ahead and save. Just put away a little bit of cash every month, then enjoy a stress-free holiday. 

  • Use for holiday gifts or property taxes
  • Balances are automatically deposited into savings account by November 1st**
  • No minimum balance required
  • No monthly fees
  • Early Direct Deposit – Get your funds up to two days early1

Effective Date as of 07/01/2024*


AccountDividend rateAPY*
Minimum Balance Savings0.20%0.20%
Prime Time Savings0.25%0.25%
Holiday Club Account*0.20%0.20%

Frequently Asked Questions

At Providence Federal Credit Union we offer a variety of different term options with great rates of return:

  • 6 Month Certificate
  • 12 Month Certificate
  • 18 Month Certificate
  • 24 Month Certificate

For more information, visit our Certificates Page.

Yes, we do. Providence Federal Credit Union is here to help with our Holiday Club Account. Simply stash away a little bit of cash every month and you’ll be a Santa rock star come December. Imagine stress-free holidays and your loved ones getting everything on their wish lists!

For more information, visit our Savings Page and see our current savings account rates on our Rates Page.

Savings accounts are a great way to save money for the future. Unlike saving in a certificate account or IRA, you have access to your money anytime! Providence Federal Credit Union’s savings accounts offer:

  • With a Share Account, you solidify your membership in the credit union and can start taking advantage of the products and services.
  • All it takes is $5.00 to open an account and that gives you one share in the ownership of Providence Federal Credit Union.
  • When you reach a balance of $100.00 in your share, you’ll begin to accumulate monthly dividend payments.

For more information, visit our Savings Page and see our current saving account rates on our Rates Page.

Yes! We offer the following accounts for minors:

  • Cub Account (Newborn to 10 Years Old)
    • Cubby Certificate (Newborn to 10 Years Old)
  • iPlus Kids Savings Account (11 to 12 Years Old)
  • iProsper Teen Account – Savings and Checking (Ages 13 to 17)

See our Kids & Teen Savings Page for more information.

With a savings account from Providence Federal Credit Union you’ll earn dividends on your savings on a monthly basis.

Visit our Rates Page for more information on savings account dividend rates.

The $5 minimum deposit required for membership must remain in your account. However, the more you keep in your savings account the more interest you’ll earn!

For more information on Providence Federal Credit Union savings accounts, visit our Savings Page.

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
Edlyn c.

Need more information?

Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.

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