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Certificates & IRAs

Looking for an option to the savings option with a predictable high rate of return? Our Certificates and Individual Retirement Accounts (IRAs) are the perfect place to grow your hard earned savings.

Certificate Accounts*

Enjoy earning a guaranteed rate of return over a fixed term that meets your needs.
  • Interest guaranteed for a set term
  • $1,000 minimum deposit
  • Flexible terms from 6 months to 60 months
  • Jumbo certificates are available for balances over $100,000
  • Certificate secured loans are available
  • At PFCU, you can add to any share certificate at any time as long as the deposit is at least $1,000
*Members who close Certificate Accounts prior to maturity are assessed penalties.

Individual Retirement Accounts (IRAs)

Our IRAs are a powerful and safe retirement savings account offering either tax-deferred or tax-free earnings growth. Our IRAs can be opened as a Variable IRA with a minimum opening balance of $100 or as an IRA Certificate with a minimum balance of $1,000 with terms from 6 to 60 months.

Traditional IRA
This tax-deferred savings plan is an excellent way to save for retirement through convenient periodic deposits.
  • Contributions may be tax-deductible
  • Earnings grow tax-deferred
  • Rollover funds from a traditional qualified retirement plan to our Traditional IRA

Roth IRA
A Roth IRA gives you the ability to invest your after-tax dollars today, let the investment grow, and withdraw your principal and earnings tax-free after five years.
  • No mandatory distribution age
  • No taxes or penalties on qualified withdrawals
  • Tax-free earnings

Coverdell ESAs
A smart savings option for those saving for a child's elementary and secondary school education. Formerly known as the Education IRA, this savings program has been revised to offer more tax-advantaged education benefits.
  • Distributions are tax-free and penalty-free when used for qualified education purposes
  • Annual contribution limit is $2,000 per child
  • Contributions are non-deductible
  • Earnings are tax-deferred

Open your PFCU membership online, any time, 24/7. Already a PFCU Member? Simply add accounts in Online Banking, or contact a Member Service Representative at (626) 799-0882 or (800) 445-PFCU for assistance.

For applicable fees please see our Fee Schedule.

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AccountAPY*
3-month Certificate 
$10,000 to $99,999.990.15%
$100,000 and over0.25%
6-11 month Certificate 
$1,000 to $99,999.990.25%
$100,000 and over0.35%
24-35 month Certificate 
$1,000 to $99,999.990.50%
$100,000 and over0.60%
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