Credit union · NCUA insured
People's Community Federal Credit Union Savings Rates
People's Community Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Management Account. Rates checked October 22, 2026.
How People's Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Portland, OR-WA, where People's Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
People's Community Federal Credit Union
0.30%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $30
Money Management Account
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
People's Community Federal Credit Union savings score
74
Savings score
Higher than 35% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.30%
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 People's Community Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Management Account
0.30%APY
Combined checking and savings account. Up to 6 preauthorized, automatic, telephonic, audio response, or PCCU Online Banking transfers per calendar month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate applies to entire balance ($1,000 earns same rate as $100,000 or more). Dividends compounded and credited monthly based on average daily balance. $5.00 monthly fee if minimum balance is not met.Any balance | 0.30% | $30 | Rate applies to entire balance ($1,000 earns same rate as $100,000 or more). Dividends compounded and credited monthly based on average daily balance. $5.00 monthly fee if minimum balance is not met. |
Sources (2)
- peoplescu.org/savings-accounts/money-management
- peoplescu.org/wp-content/uploa…-Fee-Schedule-091024.pdf
All captured Oct 15, 2026
Money Management
0.30%APY
Combined checking and savings account. Can be opened and maintained with $1,000 minimum balance to avoid monthly fee. Earns a single non-tiered variable market dividend rate that can change weekly. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upRequires $1,000 minimum opening balance and $1,000 minimum monthly balance to avoid fee. Dividends compounded and credited monthly. Earns non-tiered rate across all balances ($1,000+).$1,000 and up | 0.30% | $30 | Requires $1,000 minimum opening balance and $1,000 minimum monthly balance to avoid fee. Dividends compounded and credited monthly. Earns non-tiered rate across all balances ($1,000+). |
Sources (4)
- peoplescu.org
- peoplescu.org/rates
- peoplescu.org/savings-accounts
- peoplescu.org/savings-accounts/money-management
All captured Oct 15, 2026
Carefree Savings
0.05%APY
Primary membership share account. Requires $5 membership fee and $5 share deposit when opening first account ($55 initial deposit). Minimum balance is $5 once any other credit union service is opened. Minimum monthly balance of $50 to avoid fee. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMinimum opening balance of $5 (or $55 if opening first membership account). Minimum monthly balance of $50 to avoid monthly fee. Dividends compounded and credited quarterly.Any balance | 0.05% | $5 | Minimum opening balance of $5 (or $55 if opening first membership account). Minimum monthly balance of $50 to avoid monthly fee. Dividends compounded and credited quarterly. |
Sources (3)
All captured Oct 15, 2026
Special-purpose accounts
Loyalty Savings
0.05%APY
Limit of one Loyalty Savings account per member. Not available for business accounts. Members aged 18 to 64 must maintain a Loyalty Checking account with a minimum balance of $100 throughout the quarter to qualify; otherwise balances earn regular savings APY (0.05%). Minors (under 18) and seniors (65+) earn the high APY with no checking requirement (minors can open with $5 membership pledge and $1 deposit). Dividends calculated by average daily balance method and compounded and credited quarterly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| Up to $750Applies to balances $0.00 to $750.00. Members aged 18-64 must maintain a Loyalty Checking account with at least a $100 balance. Minors and seniors have no qualification requirements. Dividends compounded and credited quarterly. · $100 to open | 6.00% | $100 | — | Applies to balances $0.00 to $750.00. Members aged 18-64 must maintain a Loyalty Checking account with at least a $100 balance. Minors and seniors have no qualification requirements. Dividends compounded and credited quarterly. |
| Over $750Tier applies to balance portion of $750.01 and over. Earns dividend rate of 0.05% with a blended APY ranging from 0.05% to 6.00% depending on account balance. Balances greater than $750 earn the regular Carefree Savings APY on the portion over $750. · Unknown to open | 0.05% | Unknown | $5 | Tier applies to balance portion of $750.01 and over. Earns dividend rate of 0.05% with a blended APY ranging from 0.05% to 6.00% depending on account balance. Balances greater than $750 earn the regular Carefree Savings APY on the portion over $750. |
Holiday Club Account
0.05%APY
On October 31 of each year, the balance is transferred to savings account. A $5 fee applies for withdrawals before October 31 each year. Dividends compounded and credited monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly. Balance transferred to savings account annually on October 31; early withdrawals before October 31 incur a $5 fee.Any balance | 0.05% | $5 | Dividends compounded and credited monthly. Balance transferred to savings account annually on October 31; early withdrawals before October 31 incur a $5 fee. |
Sources (3)
- peoplescu.org/rates
- peoplescu.org/savings-accounts
- peoplescu.org/savings-accounts/holiday-club-account
All captured Oct 15, 2026
IRA Savings
0.05%APY
Available as Traditional IRA, Roth IRA, and Coverdell Education Savings Account savings options. Requires $5 opening balance and no minimum balance requirement. Dividends compounded and credited quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires $5 opening minimum. No minimum monthly balance to avoid fee. Dividends compounded and credited quarterly.Any balance | 0.05% | $5 | Requires $5 opening minimum. No minimum monthly balance to avoid fee. Dividends compounded and credited quarterly. |
Sources (3)
All captured Oct 15, 2026
Who can join People's Community Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Clark, Cowlitz, or Skamania counties are eligible for membership.
Family and household
- Family members of eligible members are eligible to join, regardless of where they live.
Cost to join
- Membership requires paying a $5 membership fee and depositing $50 into a Carefree Savings account (or maintaining $5 in Carefree Savings if opening another deposit account).
Membership information collected October 4, 2026.