Saving money is always smart, and PCU offers a complete array of smart ways to save. Read below to learn about our deposit accounts and check our current deposit rates. Then call or visit one of our locations to open your account(s) today!

Share Savings
Regular savings accounts are called Share Savings at a credit union, but they work the same way. The minimum opening deposit is $1. This interest bearing account is a great place to keep an emergency fund or other money you need easy access to.

Premium Money Market
Looking to earn money market rates while maintaining liquidity and safety? This account offers the best of both worlds. With a daily balance of $2,500 or more, you'll earn a competitive yield. The interest rate is adjusted and compounded monthly. Plus, if you have a Reward or Prestige Checking account, you'll earn a higher yield on this account. Premium IRA Money Market accounts are also available.

Certificates of Deposit
CDs are popular because they deliver insured safety, attractive rates, and terms ranging from 91 days to 5 years. Minimum deposits start at $100. Rates for new CDs are set every week and interest is compounded monthly for all terms.

Individual Retirement Accounts (IRAs)
Make the most of your retirement dollars with an IRA from PCU! Choose from our high rate IRA Premium Money Market Account or IRA CDs. Dividends are tax-deferred.

Traditional IRAs
Traditional IRAs allow earning to grow tax-deferred. Contributions may be tax deductible depending on your income and participation in an employer-sponsored retirement plan. Taxes are not paid until distributions (withdrawals) are made. Distributions are taxed as ordinary income. In addition, you may be allowed to take penalty-free withdrawals to buy your first home and pay higher education expenses.

Roth IRAs
Roth IRAs provide a non-deductible alternative to traditional retirement savings. Contributions are made with after-tax dollars, and earnings may be withdrawn tax- and penalty-free under a a variety of conditions after the account has been open five tax years which includes:
 

When you reach age 59 and 1/2 Become disabled Make a first-time home purchase Upon your death

 




Be sure to consult your tax advisor for more information about the tax benefits of IRAs.

Health Savings Accounts (HSAs)
If you have a qualifying high-deductible health plan, simplify your life by opening or moving your HSA to PCU. You’ll earn a competitive yield with no fees and no minimum distribution amount. Interest earned is also tax free. Learn more about HSAs.

Bucky Bear Kids Club
A fun way to help children 12 years and younger learn how to save and develop solid financial habits. While earning dividends, club members receive birthday cards and prizes, and get to participate in special events throughout the year. Visit PCU's Kids Corner to learn more.

Special Purpose Savings
This interest bearing account helps you to save money for special occasions, such as Christmas or vacations. Used with Payroll Deduction, setting aside money each payday is easy and automatic.

Deposit Insurance
You can rest assured knowing that all of your deposits are insured up to $250,000 by the National Credit Union Administration.

Other Services

• Automatic Savings and Bill Pay
• TDD - Telecommunications for the Hearing Impaired
• Free Travelers Checks and Notary Service
• Safe Deposit Boxes
• Money Orders, Certified Checks and Wire Transfers
• Savings Bonds