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Deposit Rates

Share Certificates

Minimum Balance, Term, Dividend Rate, and APY for Certificate Deposits
Share Certificates include Roth & Traditional IRAs.

Minimum Balance Term Dividend Rate APY

13-Month CD Special! 4.00% APY*
$500 Minimum Deposit

8 Month CD Special! 5.15% APY*
$5,000 Minimum Deposit

15 Month CD Special! 4.50% APY*
$5,000 Minimum Deposit

$500 Min 3, 6 or 7 Month 2.96% 3.00%
$500 Min 9 or 12 Month 3.93% 4.00%
$5,000 Min 8 Month 5.03% 5.15%
$500 Min 13 Month** 3.93% 4.00%
$5,000 Min 15 Month 4.41% 4.50%
$500 Min 18 Month 3.93% 4.00%
$500 Min 24 or 25 Month 4.07% 4.15%
$500 Min 30 or 36 Month 4.17% 4.25%
$500 Min 48 Month 4.17% 4.25%
Dividends are earned daily and posted monthly to all accounts.
*APY = Annual Percentage Yield. Rates current as of June 12, 2024.
Rates and terms are subject to change without notice. Penalty for early withdrawal on term share certificate accounts.
Fees could reduce earnings. The minimum requirement for obtaining membership is a $5.00 deposit in a Regular Share Savings.
**One 13-month share certificate per account. No penalty for early withdrawal. See full disclosure at  www.pcmcu.org/deposits/certificates
Member eligibility required. Federally Insured by the NCUA.

Share Savings Accounts

Min. Balance, Dividend Rate, and APY for Savings Accounts
Minimum
Balance
Dividend
Rate
APY
Shares*
$5 – $99
$100 +
0.00%
0.15%
0.00%
0.15%
DREAM. SAVE. WIN! Savings**
$0 – 99 0.00% 0.00%
$100 + 0.75% 0.75%

Rewards Savings***

Up to $500.00
$500.01 +
7.25%
0.15%
7.50%
0.15%
Super Shares****
Includes Roth & Traditional IRA and CESA Share

$2,500 – $4,999
$5,000 – $24,999
$25,000 – 49,999
$50,000 – 99,999
$100,000 – 199,999
$200,000 – 499,999
$500,000 +

0.75%
1.00%
1.74%
1.98%
2.23%
3.45%
3.78%

0.75%
1.00%
1.75%
2.00%
2.25%
3.50%
3.85%

Top Ten Shares*****

$5,000 – $24,999
$25,000 – 49,999
$50,000 – 99,999
$100,000 – 199,999
$200,000 – 499,999
$500,000 +

1.24%
1.98%
2.23%
2.47%
3.69%
4.07%
1.25%
2.00%
2.25%
2.50%
3.75%
4.15%
Share Draft (Checking)
 $5,000 +  0.10%  0.10%
Holiday/Vacation Club
 $25 +  0.50%  0.50%
Health Savings Account
 $100 +  0.75%  0.75%
APY = Annual Percentage Yield. Rates current as of June 12, 2024.
*The minimum requirement for obtaining membership is a $5.00 deposit into a Regular Share Savings Account.

**Early withdrawals within the first 12 months or withdrawals made after the first 12 months, and after the first 10 days of each calendar quarter will be subject to a penalty of $5.00 or 90 days dividends, whichever is greater, on the amount withdrawn at the rate in effect at the time of the withdrawal.  See Official Rules and Disclosure

***See full details and account requirements here

****If balance is below $2500, the dividend rate will be equal to the Regular Share rate.

***** If balance is below $5000, the dividend rate will be equal to the Regular Share rate. Withdrawals may be made the top (first) ten days of each calendar month with no penalty. 
Share Savings Accounts are variable rate accounts which means the rate may change after the account is opened.  Dividends will be calculated using the average daily balance for the statement period method and posted to the above share accounts monthly.  Please contact the credit union for further information.

 

 

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