Certificates (Regular/IRA/Education)

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. 

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 0.906%
6 Month 3.247%
1 Year 5.117%  5.25%
18 Month 4.066%
2 Year 4.114%
30 Month 3.874%
3 Year 3.778%
4 Year 3.730%
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.

Existing members can open a Savings Certificate of any term by selecting “Open a Deposit Product” from the eServices menu in Teller Net or from the Accounts and Cards menu in our mobile app.

Log in to Teller Net to Purchase Open an Account to Purchase

* 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.

National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.