Certificates | Philadelphia PA Interest Savings Account

The best dividends come to those who wait.

Our Savings Certificates help you put time to good use.

Save for six months. Lock in a rate for a year. Look way down the road and stash your cash for half a decade. Whichever PFCU Savings Certificate you choose, you'll earn higher returns than you would with most standard savings accounts. That means you'll walk away with more money for whatever life brings your way.

Certificates are good choices for everyday savers and for people with Individual Retirement Accounts and Coverdell Education Savings Accounts
Savings Certificates range from 3 months to 5 years
In general, longer term Certificates feature the highest rates
Minimum deposit of just $250 for 3-month, 6-month and 9-month Savings Certificates
$500 minimum deposit for all other Certificate terms
Fixed rates locked in at account opening
Early withdrawal of funds results in loss of dividend earnings - however, your initial deposit is never at risk

Compare PFCU Saving Certificate Rates

Review current PFCU certificate rates, terms, APYs, and minimum opening deposits to find an option that fits your savings goals.

Certificate Rates

Effective Date: November 6, 2026

Account Term	Rate	APY⁴	Min. Amount
3 Month	3.34%	3.40%	$250
6 Month	3.83%	3.90%	$250
9 Month	3.85%	3.93%	$250
1 Year	3.87%	3.95%	$500
18 Month	3.83%	3.90%	$500
2 Year	3.73%	3.80%	$500
30 Month	3.73%	3.80%	$500
3 Year	3.59%	3.65%	$500
4 Year	3.59%	3.65%	$500
5 Year	3.59%	3.65%	$500

How to Open a PFCU Savings Certificate

Step 1

Compare

Compare Certificates and choose which term fits your savings goals.

Step 2

Open an account

Sign into online banking, click on the "Account Services" Menu and select "Open a Deposit Product".

You can also open an account through our Mobile App by Selecting "More", "Account Services" and "Open a Deposit Product".

Step 3

Add funds

Add funds to your account a voila! You're done!

Frequently Asked Questions

What is a savings certificate?

A Savings Certificate is a type of savings account that lets you deposit money for a fixed period of time, called a term. In exchange for keeping your money in the account until the term ends, you earn a fixed dividend rate.

Can I withdraw money before my certificate matures?

You may be able to withdraw funds before your certificate matures, but an early-withdrawal penalty will apply. At PFCU, early withdrawal results in a loss of dividend earnings; review the applicable certificate disclosure for the exact penalty and any exceptions before opening an account.

What happens when my certificate reaches maturity?

When your certificate reaches maturity, the term has ended and you can decide what to do next. Depending on PFCU’s maturity instructions and disclosure, you may be able to withdraw the funds, transfer them to another account, or renew the certificate for a new term. Review your maturity notice and current certificate terms for available options and any deadline to make changes.

How does a Certificate differ from a Savings Account?

A regular savings account is designed to give you flexible access to your money, while a Savings Certificate is designed for money you can set aside for a specific term. Certificates generally offer a fixed dividend rate and may earn a higher return than standard savings accounts, but withdrawing funds before maturity can result in a penalty.

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