Credit union · NCUA insured
PCM Credit Union CD Rates
Top CarrotPCM Credit Union’s best CD rate is 5.00% APY on an 8-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How PCM Credit Union’s CD rates compare
Compared with banks and credit unions near Green Bay, WI, where PCM Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
PCM Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $331
Share Certificates
Top rate
Community First Credit Union
5.05%APY
- Term
- 5 months
- Minimum
- —
- Earns on $10,000
- $207
3rd-highest rate
N.E.W. Credit Union
5.00%APY
- Term
- 10 months
- Minimum
- $5,000
- Earns on $10,000
- $415
PCM Credit Union CD score
98
CD score
Higher than 99% of U.S. banks and credit unions
- 3–8 months3–8 mo5.00%
- 9–15 months9–15 mo5.00%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.15%
- QualifiedQualified5.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where PCM Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 5.00%APY · 16 terms
$500 minimum deposit to open (unless specified in another term or special). Additional deposits of at least $100 can be made on certificates with a term of 1 year or less and on our 13-month Flex Special. Dividends are earned and posted monthly. All certificates will automatically renew at maturity. Early withdrawal penalty: 90 days of dividends for terms 1 year or less; 180 days of dividends for terms over 1 year (no penalty for 13-month Flex Special). Dividends are available for withdrawal at any time. Specials are offered for a limited time only and may end at any time without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.00% | $74 |
| 6 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.00% | $149 |
| 7 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.00% | $174 |
| 8 monthsSpecial certificate rate offered for a limited time only and may end at any time without prior notice. Early withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 5.00% | $331 |
| 9 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.50% | $261 |
| 12 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.50% | $350 |
| 13 months13-Month Flex Special. No penalty for early withdrawal. Additional deposits of at least $100 can be made. Not offered on IRAs. Specials are offered for a limited time only and may end at any time without prior notice | 4.25% | $461 |
| 14 monthsSpecial certificate rate offered for a limited time only and may end at any time without prior notice. Early withdrawal penalty: 180 days of dividends | 5.00% | $586 |
| 18 monthsEarly withdrawal penalty: 180 days of dividends | 3.50% | $530 |
| 20 monthsSpecial certificate rate offered for a limited time only and may end at any time without prior notice. Early withdrawal penalty: 180 days of dividends | 4.50% | $761 |
| 24 monthsEarly withdrawal penalty: 180 days of dividends | 3.50% | $712 |
| 25 monthsEarly withdrawal penalty: 180 days of dividends | 3.50% | $743 |
| 30 monthsEarly withdrawal penalty: 180 days of dividends | 4.00% | $1,030 |
| 36 monthsEarly withdrawal penalty: 180 days of dividends | 4.00% | $1,249 |
| 48 monthsEarly withdrawal penalty: 180 days of dividends | 4.15% | $1,766 |
| 60 monthsEarly withdrawal penalty: 180 days of dividends | 4.15% | $2,255 |
Sources (3)
All captured Oct 16, 2026
Special-purpose accounts
IRA Share Certificates
Up to 5.00%APY · 15 terms
Includes Roth and Traditional Share IRAs. $500 minimum deposit to open. Additional deposits of at least $100 can be made on certificates with a term of 1 year or less. Dividends are earned and posted monthly. Early withdrawal penalty: 90 days of dividends for terms 1 year or less; 180 days of dividends for terms over 1 year. The 13-month Flex Special is not offered on IRAs. Specials are offered for a limited time only and may end at any time without prior notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.00% | $74 |
| 6 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.00% | $149 |
| 7 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.00% | $174 |
| 8 monthsSpecial certificate rate offered for a limited time only and may end at any time without prior notice. Early withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 5.00% | $331 |
| 9 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.50% | $261 |
| 12 monthsEarly withdrawal penalty: 90 days of dividends. Additional deposits of at least $100 can be made | 3.50% | $350 |
| 14 monthsSpecial certificate rate offered for a limited time only and may end at any time without prior notice. Early withdrawal penalty: 180 days of dividends | 5.00% | $586 |
| 18 monthsEarly withdrawal penalty: 180 days of dividends | 3.50% | $530 |
| 20 monthsSpecial certificate rate offered for a limited time only and may end at any time without prior notice. Early withdrawal penalty: 180 days of dividends | 4.50% | $761 |
| 24 monthsEarly withdrawal penalty: 180 days of dividends | 3.50% | $712 |
| 25 monthsEarly withdrawal penalty: 180 days of dividends | 3.50% | $743 |
| 30 monthsEarly withdrawal penalty: 180 days of dividends | 4.00% | $1,030 |
| 36 monthsEarly withdrawal penalty: 180 days of dividends | 4.00% | $1,249 |
| 48 monthsEarly withdrawal penalty: 180 days of dividends | 4.15% | $1,766 |
| 60 monthsEarly withdrawal penalty: 180 days of dividends | 4.15% | $2,255 |
Sources (1)
- pcmcu.org/rates/deposit-rates · captured Oct 16, 2026
Who can join PCM Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to anyone who lives or works in one of six Wisconsin counties: Brown, Door, Kewaunee, Marinette, Oconto, or Shawano.
Family and household
- Eligibility is open to individuals who have a family member who is already a PCMCU member, regardless of where the family member lives.
- Eligibility is open to individuals who live in the same household as a current PCMCU member.
Cost to join
- Eligible members join with a $5 share deposit into a Primary Savings Account.
Membership information collected October 5, 2026.