PCM Credit Union Savings Rates

Tiered rate account where the dividend rate for a tier applies to the entire balance. If balance falls below $5,000, the dividend rate and APY will be the same as Regular Shares. Withdrawals may be made within the first 10 days of each calendar month without penalty; withdrawals made from the 11th through the last day of the month are subject to a penalty equal to 90 days dividends on the amount withdrawn or $5.00, whichever is greater.

Designed for first-time homebuyers (or not owned a primary residence in past 3 years), age 18+. Requires commitment to save 10% down and monthly recurring/direct deposit of at least $100 for 12+ months prior to loan closing to be eligible for a cash bonus up to $2,500. Maximum account term is 10 years. Early withdrawal not in conjunction with home purchase is subject to a $5.00 or 180-day dividend penalty, whichever is greater.

Prize-linked savings account. Minimum $50 monthly deposits via automatic transfers or direct deposit yields one entry per quarter to win $500 cash. Early withdrawals within the first 12 months, or made outside the first 10 days of each calendar quarter, are subject to a penalty of $5.00 or 90 days dividends, whichever is greater.

Tiered rate account where the rate for a particular tier applies only to the portion of the balance within that tier. Limit of one Rewards Savings account per member. Requires PCMCU Checking account with at least one direct deposit each month, enrollment in Virtual Branch online banking, monthly e-Statements, and a debit card. If monthly qualifications are not met, account may be closed and funds transferred to regular savings.

On $10,000 the tiers blend to about 0.52% APY, earning $52 a year.

Represents share of ownership in the credit union. Membership requires a $5.00 deposit into a Regular Share Savings Account.

Includes ROTH, Traditional IRA, and CESA Share. Tiered rate account where the dividend rate for a tier applies to the entire balance. If balance falls below $2,500, the dividend rate will be the rate paid on Regular Shares. Withdraw at any time without penalty.

Tax-exempt account set up to pay or reimburse certain qualified medical expenses.

Funds plus dividends automatically transfer to chosen PCMCU account on November 1st (or October 31). One withdrawal per year without penalty; more than one withdrawal or early withdrawal is subject to a $5.00 fee or 90-day interest penalty, whichever is greater.