Credit union · NCUA insured
PFCU CD Rates
PFCU’s best CD rate is 3.80% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How PFCU’s CD rates compare
Compared with banks and credit unions near Grand Rapids, MI, where PFCU has the most branches. $10,000, best rate first.
This credit union’s best
PFCU
3.80%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,050
Certificates
Top rate
Ignite Credit Union
4.70%APY
- Term
- 15 months
- Minimum
- $50
- Earns on $10,000
- $591
2nd-highest rate
KCCU
4.45%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $183
PFCU CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.80%
- QualifiedQualified3.80%
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 PFCU 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.
Certificates
Up to 3.80%APY · 6 terms
Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Minimum balance to open is $500. Early withdrawal penalty will apply (2% of amount withdrawn).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.45% | $171 |
| 12 months | 3.55% | $355 |
| 24 months | 3.70% | $754 |
| 36 months | 3.75% | $1,168 |
| 48 months | 3.75% | $1,587 |
| 60 months | 3.80% | $2,050 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.90%APY · 6 terms
Membership eligibility and a minimum $5 membership share deposit are required for credit union membership. Minimum balance to open is $500. Early withdrawal penalty will apply (2% of amount withdrawn).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.55% | $176 |
| 12 months | 3.65% | $365 |
| 24 months | 3.80% | $774 |
| 36 months | 3.85% | $1,200 |
| 48 months | 3.85% | $1,631 |
| 60 months | 3.90% | $2,108 |
Sources (4)
- pfcu4me.com
- pfcu4me.com/For-You/Save/IRAs
- pfcu4me.com/For-You/Save/Share-Certificates
- pfcu4me.com/Rates/Savings-Rates
All captured Oct 5, 2026
Minor Certificates
3.80%APY
Available to members under age 18. Term is 60 months or until 18th birthday, whichever occurs first/less. Minimum balance to open is $250. Additional deposits of $25 or more can be added at any time. Automatically matures when account holder turns 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceReceives 60-month certificate rate until the minor turns 18 years of age or term ends.Any balance | 3.80% | $380 | Receives 60-month certificate rate until the minor turns 18 years of age or term ends. |
Sources (2)
All captured Oct 5, 2026
Who can join PFCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.