It's true what they say: the best things come to those who wait. With a PFCU Savings Certificate, the longer you can park your money with us, the better dividend rate you'll earn. And our rates are some of the best in the area.

What's more, your money is insured by the federal government up to $250,000 per depositor. PFCU members enjoy additional coverage up to $250,000 from Excess Share Insurance Corporation, a licensed insurance company.

For low minimum deposits, you pick the term. We offer higher rates if you can save your money longer and we can put it to work for you.

Here are our current rates


Dividend Rate


3 Month 0.90%
6 Month 1.64%
1 Year 1.98%  2.00%
18 Month 2.03% 2.05%
2 Year 2.08%
30 Month 2.08%
3 Year 2.08%
4 Year 2.13%
5 Year

Minimum Opening Deposit

  • As low as $250 for 3 and 6 month Savings Certificates
  • $500 for all other terms

If you withdraw your funds before the Certificate matures, you'll be assessed a penalty of earned dividends.

Open a 6 month Savings Certificate below. If you want to open a Saving Certificate with a different term, please stop by one of our branches or give us a call at 215-934-3500.

Open a 6 Month Savings Certificate

* The Annual Percentage Yield on Certificates assumes that dividends remain on deposit and are added to the starting minimum deposit principle balance. Withdrawal of dividends, or withdrawal from the starting minimum deposit balance will reduce actual earnings. For early withdrawal, we may impose a penalty of 90 days dividends on certificates of less than one year, and 180 days dividends on certificates of one year or more. Other terms and conditions apply. All rates are subject to change without prior notice. Dividends are compounded daily and credited monthly on the last day of each month for Savings Certificates, and IRA Certificates.