Term Certificates

Are you looking for a higher dividend rate on your savings? Consider investing in a Pioneer Federal Term Certificate Special, or Fixed Term Certificate! We offer a variety of rates and terms to meet your savings needs. Term Certificates are a great investment vehicle if you want long term savings with stable, secure results. The sooner you start saving, the sooner you reach your financial goals. Stop by any PFCU location, click on the Live Chat link above, or call us (208) 587-3304 today

 

Special Rate Term Certificates
Minimum Balance to Earn A.P.Y. Dividend Rate Annual Percentage Yield
***13 Months Special***
$10,000 & Over 1.34% 1.35%
$500 Up To $9,999 1.34% 1.35%
***25 Months Special***
$10,000 & Over 1.64% 1.65%
$500 Up To $9,999 1.64% 1.65%
***59 Months***
$10,000 & Over 2.13% 2.15%
$500 Up To $9,999 2.13%

2.15%

Fixed Rate Term Certificates
Minimum Balance to Earn A.P.Y. Dividend Rate Annual Percentage Yield
12 Months
$10,000 & Over 0.70% 0.70%
$500 Up To $9,999 0.60% 0.60%
18 Months
$10,000 & Over 0.80% 0.80%
$500 Up To $9,999 0.70% 0.70%
24 Months
$10,000 & Over 0.90% 0.90%
$500 Up To $9,999 0.80% 0.80%
36 Months
$10,000 & Over 1.19% 1.20%
$500 Up To $9,999 1.09% 1.10%
48 Months
$10,000 & Over 1.44% 1.45%
$500 Up To $9,999 1.34% 1.35%
60 Months
$10,000 & Over  1.59% 1.60%
$500 Up To $9,999 1.49% 1.50%

Rates as of February 2015. Rates are subject to change.

APY = Annual Percentage Yield, assuming dividend remains on deposit. Certificates are subject to penalty for early withdrawal. Fees could reduce the earnings on any account, only if they are associated with that specific account. 

Senior Term Certificate (Age 55 and over on primary member)
Minimum Balance to Earn A.P.Y. Dividend Rate A.P.Y.
12 months
$10,000 & Over 0.55% 0.55%
$500 up to $10,000 0.50% 0.50%
18 Months
$10,000 & Over 0.65% 0.65%
$500 up to $10,000 0.60% 0.60%
24 Months
$10,000 & Over 0.75% 0.75%
$500 up to $10,000 0.70% 0.70%

Rates as of February 2015.

A.P.Y. = Annual Percentage Yield

Certificate rates are subject to change during the calendar month. $5 redemption fee will apply to all withdrawals of principal. Organizations and business accounts don't qualify for Senior Term Certificates. Ask a Member Service Representative for a complete disclosure sheet.

Fees could reduce the earnings on any account, only if they are associated with that specific account.