Savings

Certificates

PCMCU Share Certificates offer a fixed interest rate for a set term, giving you a great return on your investment. Choose a term that fits your goals, from as short as 3 months to as long as 4 years.

Certificate Features

  • $500 minimum deposit to open (unless specified in another term or special)
  • Additional deposits of at least $100 can be made on certificates with a term of one year or less and our 13-month special
  • 90-day early withdrawal penalty for certificate terms one year or less; 180-day early withdrawal penalty for certificate terms over one year
  • All certificates will automatically renew at maturity
  • Dividends are available for withdrawal at any time

Share Savings

Choose the account that best meets your savings goals.

Regular Share

The minimum requirement for obtaining a PCMCU membership, which represents your share of ownership in the credit union.

  • $5 minimum deposit
  • Earn dividends on balances over $100
  • ATM accessible account

Children's Custodial Account (Children's Savings)

Available to children, newborn to age 21, with a joint parent or guardian. The perfect start for a child to learn and grow into successful savings habits.

  • Reward savings habits with PCMCU’s Save, Spin, and Win youth prize wheel. Learn more
  • Earn dividends on balances over $100

Super Share

Earns a higher rate of return than Regular Shares. 

  • Earn dividends on balances over $2,500
  • Tiered dividend levels 
  • Withdraw at any time without penalty

Top Ten

Earn a higher rate of return than Super Shares.

  • Earn dividends on balances over $5,000
  • Tiered dividend levels
  • No withdrawal penalties in the first ten days of each month

Health Savings Account (HSA)

A tax-exempt account set up to pay or reimburse certain medical expenses.

Contact us for more detailed information, or visit the IRS website directly at www.irs.gov and enter Health Savings Accounts in the search.

Retirement Savings Account (IRA)

Traditional and Roth IRAs are offered with Super Shares and Certificates. All certificate rules apply and are subject to IRA regulations.

PCMCU can assist with reviewing your IRA options. Consult your Professional Tax Advisor for personal and financial advice.

Featured Savings Products

Looking for something more exciting? 

HomeReady Savings

Activate a cash bonus when you buy your first home with PCMCU’s newest savings product. Learn More

  • Commit to save 10% down
  • Minimum $250 to open and earn dividends
  • Minimum $100 monthly deposits for 12+ months
  • Cash bonus up to $2,500

Dream.Save.Win!

Practice good savings habits and be entered to win $500 cash each quarter.

  • Minimum $50 monthly deposits via automatic transfers or direct deposit = one entry per quarter
  • Earn dividends on balances over $100
  • No withdrawal penalties in the first ten days of each quarter

Rewards Savings

Earn a higher rate of return on the first $500 as a reward for using the following free eServices: 

  • PCMCU Checking account and debit card
  • Direct Deposit to PCMCU Checking account
  • Online banking
  • eStatements

Holiday Club

It’s never too early to start saving for the holidays!

  • No minimum balance requirements
  • Earn dividends on balances over $25
  • Funds plus dividends automatically transferred into chosen PCMCU account on November 1st of each year
  • One additional withdrawal per year without penalty