Rates updated December 19, 2022
| PSCU Share Certificate Specials | Minimum to Open | APY* |
Share Certificates of Deposit
| |
| 14 months | $1000 | 4.00% |
| 26 months | $1000 | 4.00% |
Restrictions: Share certificates of deposit pay on a 365 basis. $1000 minimum to open Share Certificates of deposit; Penalty for early withdrawal; All certificates can be IRA certificates. Cannot use Loyalty Points in combination with this special to increase rate.
| Accounts | APY* |
Savings & Club Accounts
|
| $1000 to $99,999.99 | 0.05% |
| $100,000 and Up | 0.10% |
Funds Manager Account
| |
| $1,000 to $9,999.99 | 0.10% |
| $10,000 to $24,999.99 | 0.10% |
| $25,000 to $49,999.99 | 0.15% |
| $50,000 to $99,999.99 | 0.20% |
| $100,000 and Up | 0.25% |
Checking Accounts
| |
| Smart Checking Meeting Criteria- $.01-$10,000 | 1.75% |
| Smart Checking Meeting Criteria-Over $10,000 | 0.15% |
| Smart Checking Balances that don't meet the criteria | 0.03% |
| Checking 018 | 0.00% |
| IRAs (Individual Retirement Accounts) | |
| Traditional & Roth | 0.20% |
| Coverdell ESA | 0.20% |
Restrictions: $1000 minimum to open Funds Manager. $100 minimum to open IRAs. 3 criteria needed for smart checking-receive e-statements; have one ACH deposit or withdrawal each calendar month; have 10 debit card transactions clear as signature based transaction each calendar month.
| Share or IRA Certificates of Deposit | Minimum to Open | APY* |
Share Certificates of Deposit
| |
| 3 months | $1000 | 0.40% |
| 6 months | $1000 | 0.40% |
| 12 months | $1000 | 0.70% |
| 18 months | $1000 | 1.00% |
| 24 months | $1000 | 1.50% |
| 30 months | $1000 | 1.30% |
| 36 months | $1000 | 1.15% |
| 48 months | $1000 | 1.15% |
| 60 months | $1000 | 1.15% |
Restrictions: Share certificates of deposit pay on a 365 basis. $1000 minimum to open Share Certificates of deposit; Penalty for early withdrawal; $20 minimum to open Payroll Certificate; Payroll certificate rates use regular certificate rates to determine payroll certificate rate based on the term of the payroll certificate. All certificates can be IRA certificates.
*APY=Annual Percentage Yield. All rates are subject to change. Fees may reduce earnings. Dividends are computed daily and are posted at the end of the month with no compounding. *Deposits federally insured up to $250,000 by the National Credit Union Administration (NCUA) and an additional $250,000 by Excess Share Insurance (ESI).
