PFCU wants to help you make the most of your money. We offer a variety of savings options to assist you in achieving your financial goals. To help you earn more money, we pay competitive dividends, do not charge monthly fees and require only a nominal minimum balance.
Each member's funds are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a government agency, with an additional $250,000 of insurance provided by American Share Insurance (ASI) for a total of $500,000.
Savings Rates
Our Regular Share Savings account requires a minimum deposit of $5 to open and avoid closure. However, you must maintain an aggregate balance of $100 in all PFCU accounts at month end to avoid a $2.00 monthly service charge on this account. Consider splitting your Direct Deposit so you automatically put a little away each paycheck. You can easily transfer between savings and checking by signing up for Free Per$onal Branch Online Banking. Open your account today and watch your savings start to grow.
- Dividends earned on balances of $5 or more
- Worldwide ATM access
- Quarterly statements
- 24-hour access using online Personal Branch or Telephone Teller
- May be used as overdraft protection for a PFCU checking account
- Optional automatic deposit through direct deposit or payroll deduction
As your savings account grows, consider PFCU's Super Variable account. You earn excellent dividends and your dividend yield increases as your balance increases. The Super Variable is available with a minimum balance of $2,500, and offers even higher yields at $10,000 and $50,000. Enjoy the security of a federally insured account with high yields while still maintaining full access to your funds.
- $2500 minimum balance
- Dividends calculated and paid monthly
- Quarterly Statements
- 24-hour access using online Personal Branch or Telephone Teller
- May be used as overdraft protection for a PFCU checking account
- Optional automatic deposit through direct deposit or payroll deduction
This account allows you to earn a high rate of return while maintaining liquidity. Direct deposit or payroll deduction can be set-up for convenient deposits. You may write up to three checks per month from the account and unlimited withdrawals may be made at the branch. This is the perfect account for those who want it all — high interest and quick easy access!
- $75,000 minimum balance
- High rate of return
- No monthly fee
- Check writing privileges
- Direct deposit or payroll deduction is available
*APY = Annual Percentage Yield
These accounts are designed to help you save for specific events. By keeping these funds separate from your other savings account, you can easily track how much you are saving and you will be more likely to save for your goal. Each account has a designated maturity date and upon that date, dividends are paid and funds are disbursed or credited to your account. This account has an early withdrawal fee of $10.
- $5 minimum balance
- Dividends earned on balances of $5 or more and paid at maturity
- Quarterly statements
- Optional automatic deposit through payroll deduction
Club Accounts offered:
- Tax Club - matures January 31
- Vacation Club - matures April 30
- Education Club - matures July 31
- Christmas Club - matures October 31
At PFCU we know the importance of teaching responsible money management and good savings habits to our younger members so we developed 3 specialized Kids Clubs.
Sammy’s Pals
Newborn to age 6
Smart Savers Club
Ages 7 to 12
Hey Teens! Coming Soon: A re-vamped Prodigy Club designed just for you. Check back for details!
Ages 13 through 18th birthday
Click here for more info on our Kid’s Club
Account features for our Kids Club are:
- $5 minimum balance
- Dividends paid quarterly on balances of $5 or more
- Quarterly statements
- Optional automatic deposit
For our members who are full-time students, we designed an account just for you.
Some of these benefits include:
- Free checking account
- Free ATM/Visa Debit card
- First box of checks FREE
- Per$onal Branch - FREE Bill Payer with checking account
- Free photocopy service
- Free Telephone Teller
- Opportunity for $200 LOC overdraft protection or $500 Visa Credit Card (subject to credit approval)
