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Savings Accounts

Share Savings Account

Your share savings account at PCMCU is the start to a lifetime of financial guidance from a financial partner you can trust. This savings account is the most suitable place for short-term investments, or for emergency reserves.

Share Savings Features:

  • $5 minimum deposit required to open and maintain membership
  • Earn interest on balances over $100 (See Rates)
  • Accessible account at ATM machine for cash withdrawals

Rewards Savings

PCMCU’s Rewards Savings offers you a higher rate on your smaller savings balance in return for your use of PCMCU’s free eServices. As a PCMCU Virtual Branch online banking member, you can earn 7.50% APY on your first $500 in the Rewards Savings Account. See Rates

Qualifying Services:

  • PCMCU Free Checking
  • Direct Deposit to PCMCU Checking
  • Enrollment in Online Banking
  • eStatements
  • Debit Card

Once you have signed up for the above services, you may then open a new Rewards Savings Account and you’ll start earning the higher rate on your first $500. Balances above that amount will earn PCMCU’s standard savings rates as posted.

Children's Regular Share Account

PCMCU’s Children’s Regular Share Account is available to children, newborn to age 21, with a parent or guardian joint on the account. This account is the perfect start for a child to learn and grow into successful savings habits. See Rates

Account Features:

  • Must also meet other PCMCU membership requirements, including opening a Regular Share Account
  • The Regular Share Account would require a parent or guardian joint on the account as well
  • Parent/Guardian permission required to access this account or close the account, up until they reach the age of 21
  • $100 balance earns interest on this account

Learn about our Save-Spin-Win:

Here’s how kids can Spin and Win PCM’s Savings Reward Wheel: (Child must be present to spin)

  • One spin per child, per day for $10+ in cash deposited
  • One spin if its your birthday (or close to the day)
  • Win a prize!

(Federally Insured by NCUA)

Super Share Account

If you are looking for an investment account that earns a higher rate of return than a regular savings account, plus combines the safety of federal deposit insurance, look no further than a Super Share Account at PCMCU. See Rates

Account Features:

  • Earn higher interest rate on balances of $5,000 or more
  • Tiered interest levels with interest on full balance
  • Minimum balance on each tier level must be maintained to obtain APY interest

Top Ten Share Account

PCMCU’s Top Ten Share Account works like a savings account in that you can make a deposit of any amount, any time during the month. However withdrawals may be made only on the top (first) ten days of each calendar month without a penalty. Withdrawals made from the 11th to the end of the month are subject to a 90-day interest penalty on the amount withdrawn. See Rates

Account Features:

  • Earn higher interest on balances $5,000 or more
  • Tiered account allows for higher earnings on your greater savings balance

Club Accounts

It’s never too early to start saving for the holidays…or that long awaited vacation. Save painlessly and systematically through regular payroll deposits to your club account. By the time the holidays or that special vacation rolls around, you’ll be all set to hit the mall or the beach!

Club funds, plus interest, are automatically transferred into your savings or checking account each year on the first business day of November. To assist you in planning your vacation at any time, one additional withdrawal can be made throughout the year without penalty. See Rates

You will also receive a special gift each year for saving in your club account around the time funds are disbursed to your checking or savings account. Sign Up Today!

Club Account Features:

  • No minimum balance requirements
  • $5.00 will be charged for each withdrawal in excess of one per club year. We do not charge for the November 1st withdrawal.
  • Interest is earned on $25 or more in the club account


PCMCU’s term share certificates offer a fixed rate of interest on your investment on a particular time period. You select the term from 3 months to 4 years. See Rates

Certificate Features:

  • $500 minimum deposit to open
  • Terms available: 3 month, 6 month, 7 month, 9 month, 12 month, 15 month, 18 month, 24 months, 36 month, and 48 month. Special terms and rates may also be available (See Rates).
  • Additional deposits of at least $100 can be made on certificates with a term of one year or less
  • 90-day early withdrawal penalty on certificates with an original maturity of one year or less.
  • 180-day early withdrawal penalty on certificates over a one-year term.
  • All certificates will automatically renew at maturity.
  • Dividends are available any time after they are paid, and may be transferred into another PCMCU account

LIMITED TIME OFFER: Flex Forward 4.00% APY

13-month Certificate Stretch

  • One Flex Forward Share Certificate per account per promotional period
  • Minimum Deposit $500
  • Flexibility to add funds one time or on regular basis of $100+
  • No penalty for early withdrawal 

Disclosure:  APY=Annual Percentage Yield. CD=Share Certificate. Current as of 6/12/2024.  Share Certificate special is a limited time offer. Will transfer to Account 01 Share upon completion.  Not offered on Traditional or Roth IRAs.  No penalty early withdrawal requires 100% of funds + closure of Share Certificate. PCMCU reserves the right to change this offer at any time and without notice.  Membership eligibility required.  Must establish a Share Savings Account with a $5 minimum deposit.  Federally insured by the NCUA

Health Savings Account (HSA)

A health savings account (HSA) is a tax-exempt trust or custodial account that you set up with a qualified trustee to pay or reimburse certain medical expenses you incur. You must be an eligible individual to qualify for an HSA. You may contact the credit union for more detailed information on HSAs, or visit the IRS website directly at and enter Health Savings Accounts in the search. See Rates

Retirement Savings Account (IRA)

IRA Certificates

PCMCU’s member service department can help you set up an IRA, and also help explain the basics of each type of IRA offered. The credit union offers Traditional, Roth, Education and Passbook IRA Accounts.

All certificate rules apply and are subject to IRA regulations. An IRA Passbook Account is for members who want to make periodic deposits of smaller amounts. The IRA Passbook Account is a variable rate account with no initial deposit requirement. Deposits can also be made by payroll deduction.

IRA accounts are federally insured, separate from other PCMCU accounts, to $250,000 by the NCUA. Consult your Professional Tax Advisor for personal and financial advice.

See Rates

Dream. Save. WIN!

It All Starts With A DREAM!

Saving money can help you become financially secure and provide a safety net in case of an emergency. We want to give all our members an incentive to start a regular monthly savings – and with PCMCU, you can have fun doing it! Not only will you have a financial safety net saved up, you will earn chances to win cash prizes every quarter! Get started today!

With PCMCU’s DREAM. SAVE. WIN! program, you can’t lose!

$500 WINNER selected by random drawing at the end of every quarter!

What do you need to do?

  1. OPEN A “DREAM. SAVE. WIN!” Savings Account by either visiting any PCM location or logging into Virtual Branch to set it up online. Simply choose “+ New Account” and then “Open an Account” to continue.
  2. COMMIT to saving $50/month via automatic transfers or direct deposit.

$2,000 in cash giveaways throughout the year

Save through PCM’s Dream.Save.Win! account and have a chance to win $500 each quarter!

What could be more exciting than an opportunity to win a cash prize simply because of your good savings habits?  PCMCU rewards our dedicated savers with a great rate AND a chance to win cash in this unique prize-linked savings account for PCM members only.

The prize structure is simple for members who open and maintain a Dream.Save.Win! account.  All you need to do to be eligible for quarterly cash drawings is to continue making minimum monthly deposits of $50 or more.

Dream.Save.Win! prizes will be in cash amounts of $500 following the end of each quarter, with a randomly selected winner. 

If you opened a Dream.Save.Win! account and are making minimum monthly deposits you are already eligible for these cash prizes.  For those who have not started, opening an account takes just minutes.

  • Withdrawals may be made within the first 10 days of each calendar quarter: April, July, October, January
  • $5 or 90-day dividends penalty, whichever is greater for withdrawals made after the first 10 calendar days of each quarter.

*APY = Annual Percentage Yield.  Odds of winning depend upon the number of eligible accounts each month and could be up to approximately 14,400 (or number of PCM members).  Official Rules for Dream.Save.Win! cash giveaways are available upon request.

Official Rules | Account Disclosure

*Odds of winning depend upon the number of entries received. Odds of winning will be less than 1 in 14,400.  There is no obligation to enter this promotion. One entry per primary member, age 18 and older. See Official Rules for the “DREAM. SAVE. WIN!” Giveaway.

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