Special Term Certificates
PEFCU offers special certificate terms and rates to make sure you have every option to make your money grow.
Effective 11.18.09
| Term |
Rate |
APY* |
Min Opening Balance |
Min Earning Balance |
Dividends Paid |
Dividends Compounded |
| 40 Week CD Special |
1.39% |
1.40% |
$500 |
$500 |
Monthly |
Daily |
*These rates show Select tier Relationship Rewards with checking member bonus. See Relationship Rewards for details.
Regular Term Certificates
Let your money work for you with a PEFCU Share Certificate. Enjoy competitive rates and a variety of terms to fit your saving needs.
Effective 11.18.09
| Term |
Rate |
APY* |
Min Opening Balance |
Min Earning Balance |
Dividends Paid |
Dividends Compounded |
| 3 Months |
0.60% |
0.60% |
$500 |
$500 |
Monthly |
Daily |
| 6 Months |
1.00% |
1.01% |
$500 |
$500 |
Monthly |
Daily |
| 12 Months |
1.19% |
1.20% |
$500 |
$500 |
Monthly |
Daily |
| 18 Months |
1.34% |
1.35% |
$500 |
$500 |
Monthly |
Daily |
| 24 Months |
1.79% |
1.81% |
$500 |
$500 |
Monthly |
Daily |
| 30 Months |
1.88% |
1.90% |
$500 |
$500 |
Monthly |
Daily |
| 36 Months |
2.08% |
2.10% |
$500 |
$500 |
Monthly |
Daily |
| 48 Months |
2.77% |
2.81% |
$500 |
$500 |
Monthly |
Daily |
| 60 Months |
3.15% |
3.20% |
$500 |
$500 |
Monthly |
Daily |
| 40-Month Bump Rate |
2.08% |
2.10% |
$5,000 |
$5,000 |
Monthly |
Daily |
| 24-Month Bump Rate |
1.69% |
1.70% |
$5,000 |
$5,000 |
Monthly |
Daily |
*These rates show Select tier Relationship Rewards with checking member bonus. See Relationship Rewards for details.
Health Savings Certificates
|
Start growing your HSA balance today. Open a PEFCU HSA Share Certificate (CD) to help pay for medical expenses during retirement. Ask a PEFCU Representative about all your retirement savings options. |
Effective 11.18.09
| Term |
Rate |
APY* |
Min Opening Balance |
Min Earning Balance |
Dividends Paid |
Dividends Compounded |
| 12 Months |
1.24% |
1.25% |
$500 |
$500 |
Monthly |
Daily |
| 24 Months |
1.84% |
1.86% |
$500 |
$500 |
Monthly |
Daily |
| 36 Months |
2.13% |
2.15% |
$500 |
$500 |
Monthly |
Daily |
*These rates show Select tier Relationship Rewards with checking member bonus. See Relationship Rewards for details.
Savers Certificates
This is a one-of-a-kind certificate that allows you to add money every month. Really increase your earning power with a Savers Certificate.
Effective 11.18.09
| Term |
Rate |
APY* |
Min Opening Balance |
Min Earning Balance |
Dividends Paid |
Dividends
Compounded |
| 12 Months |
T-Bill*
+0% Margin |
0.20% |
$50 |
$50 |
Monthly |
Daily |
| 24 Months |
T-Bill*
+0.25% Margin |
0.45% |
$50 |
$50 |
Monthly |
Daily |
| 3 Months Youth Savers |
3.00% |
3.05% |
$25 |
$25 |
Monthly |
Daily |
*The dividend rate can change on the first day of each month based on an index (third Monday's 90-day T-Bill auction) and a margin. Not available as IRA Certificates. Minimum balance for Saver's Certificate is $50, and automatic additions of at least $50 per month are required.
IRA Certificates
Enjoy the power of compounding interest with any of our IRA certificate terms. For more information or a personal consultation about IRA options, contact our Trust and Financial Center Advisors.
Effective 11.18.09
| Term |
Rate |
APY* |
Min Opening Balance |
Min Earning Balance |
Dividends Paid |
Dividends Compounded |
| 12 Months |
1.24% |
1.25% |
$500 |
$500 |
Monthly |
Daily |
| 18 Months |
1.39% |
1.40% |
$500 |
$500 |
Monthly |
Daily |
| 24 Months |
1.84% |
1.86% |
$500 |
$500 |
Monthly |
Daily |
| 30 Months |
1.93% |
1.95% |
$500 |
$500 |
Monthly |
Daily |
| 36 Months |
2.13% |
2.15% |
$500 |
$500 |
Monthly |
Daily |
| 48 Months |
2.82% |
2.86% |
$500 |
$500 |
Monthly |
Daily |
| 60 Months |
3.20% |
3.25% |
$500 |
$500 |
Monthly |
Daily |
*These rates show Select tier Relationship Rewards with checking member bonus. See Relationship Rewards for details. These rates shown also include .05% bonus for terms of 12 months and above.
APY: Annual Percentage Yield. The APY means that the rate stated is actually the rate paid or earned on a yearly basis. No dividends can be paid in excess of available earnings. The methods used to determine all dividends and loan rates are established by the Rate Committee appointed by the Board of Directors. Rates are subject to change at any time.
All rates are subject to change daily. Penalty for early withdrawal is greater of $25 or 90 days' dividends.
Roth and Traditional IRA Certificates are available in terms of 12 months and up with rates .05% higher than Regular Term Certificates.
Savers Certificate dividend rates can change on the first day of each month based on an index (third Monday's 90 day T-bill auction) and a margin. Not available for IRAs. Automatic additions of $50 per month are required.
*For disclosures, please see Guide to Member Services and Further Information.
Checking
With a PEFCU Preference Checking Account, you have the added power of Relationship Rewards* so you can qualify to earn dividends on your checking account balance.
Effective 11.18.09
| Tier |
Rate |
APY* |
Min Opening Balance |
Dividends Paid |
Dividends Compounded |
| Sensible Checking |
0.30% |
0.30% |
$25 |
Monthly |
Daily |
| Student Checking |
n/a |
n/a |
$25 |
n/a |
n/a |
| Merit Checking |
n/a |
n/a |
$25 |
n/a |
n/a |
| Health Savings Checking |
0.30% |
0.30% |
$25 |
Monthly |
Daily |
*See Relationship Rewards for details. No dividends are paid on checking accounts with daily balance less than $1,000.
APY:Annual Percentage Yield. The APY means that the rate stated is actually the rate paid or earned on a yearly basis. No dividends can be paid in excess of available earnings. The methods used to determine all dividends and loan rates are established by the Rate Committee appointed by the Board of Directors. Rates are subject to change at any time.
All rates are subject to change daily.
*For disclosures, please see Guide to Member Services and Further Information .
Savings
PEFCU offers several types of savings accounts to help you with your savings goals. From our Main Share Savings to our Money Market accounts, you can create a savings account that fits your lifestyle.
Effective 11.18.09
| Saving Accounts |
Rate |
APY |
Min Opening Balance |
Dividends Paid* |
Dividends Compounded |
| Main Share Savings |
0.30% |
0.30% |
$5 |
Monthly |
Daily |
| Special Savings |
0.30% |
0.30% |
$5 |
Monthly |
Daily |
Money Markets
Earn higher dividends without sacrificing access to your funds.
Effective 11.18.09
| Money Markets |
Rate |
APY |
Min Opening Balance |
Dividends Paid |
Dividends Compounded |
| $0-$7,499 |
0.40% |
0.40% |
$2,500 |
Monthly |
Daily |
| $7,500-$24,999 |
0.55% |
0.55% |
$2,500 |
Monthly |
Daily |
| $25,000-$99,999 |
1.05% |
1.05% |
$2,500 |
Monthly |
Daily |
| $100,000+ |
1.59% |
1.60% |
$2,500 |
Monthly |
Daily |
IRA Money Markets
Liquidity partnered with the tax-deferred or tax-free earnings of an IRA can help boost your nest egg. For other great IRA options, schedule an appointment with one of our Trust and Financial Center Advisors.
Effective 11.18.09
| Money Markets |
Rate |
APY* |
Min Opening Balance |
Dividends Paid |
Dividends Compounded |
| Educational IRA |
0.35% |
0.35% |
$25 |
Monthly |
Daily |
| $0-$7,499 |
0.45% |
0.45% |
$25 |
Monthly |
Daily |
| $7,500-$24,999 |
0.60% |
0.60% |
$25 |
Monthly |
Daily |
| $25,000-$99,999 |
1.10% |
1.11% |
$25 |
Monthly |
Daily |
| $100,000+ |
1.64% |
1.65% |
$25 |
Monthly |
Daily |
*No dividends are paid on main share or special savings accounts with a balance less than $5.01.
APY: Annual Percentage Yield. The APY means that the rate stated is actually the rate paid or earned on a yearly basis. No dividends can be paid in excess of available earnings. The methods used to determine all dividends and loan rates are established by the Rate Committee appointed by the Board of Directors. Rates are subject to change at any time.
All Rates are subject to change daily.
Roth and Traditional IRA Money Markets are available at rates .05% higher than standard Money Market accounts, with a $25 minimum opening balance.
*For disclosures, please see Guide to Member Services and Further Information.