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SAVINGS & IRA CERTIFICATES

We offer all kinds of certificates with a variety of terms and rates.  All you need to do is find one that fits your needs.

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SAVINGS & IRA CERTIFICATES

Get a CD Account and earn more on your terms!

5.00% APY* 6-MONTH CERTIFICATE.

Earn more by locking in a guaranteed rate. Then sit back, relax and watch the earnings roll in. You can open a certificate today at any one of our convenient branches.

  • Low Minimum $500 opening deposit required
  • NCUA Insured

Limited-Time Certificate Offer.

5.00% APY* ON OUR 12-MONTH CERTIFICATE

Our new 12-month certificate comes with an eye-popping 5.00% APY* – you won’t find a more attractive rate. It is an easy way of making a nice, healthy return on your cash. You can open a 12-month certificate today at any one of our convenient branches.

  • Low Minimum $500 opening deposit required
  • NCUA Insured

Like a savings account but even better.

A safe, stable way to save while earning a nice return.

Our Share Certificates or Individual Retirement Account Certificates make it easy to earn money on savings. You decide the amount and how long you want to keep it invested. Then sit back, relax and watch the earnings roll in. Keep in mind:

  • Minimum $500 opening deposit required
  • 6-month to 60-month terms available
  • Earn competitive dividends monthly
  • Automatic renewal
  • Maturity notices mailed approximately 30 days in advance

Share & IRA Share Certificate dividend rates

Share & IRA Share Certificate Rates

TermAPY*Dividend Rate
3 months3.33%3.28%
6 months 5.00%4.89%
8 months3.75%3.69%
12 months2.25%2.23%
15 months4.75%4.65%
18 months2.50%2.47%
24 months3.00%2.96%
30 months3.00%2.96%
36 months3.25%3.20%
48 months3.25%3.20%
60 months3.50%3.45%
Dividend Rates and Annual Percentage Yields are effective: April 1, 2024
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. Minimum opening deposit is $500. Withdrawals could reduce the earnings on accounts. Penalty for early withdrawal. Individual Retirement Account (IRA) rates include Traditional, Roth, and Education IRAs.

More products, more services and more of what you need.

INDIVIDUAL RETIREMENT ACCOUNTS
INDIVIDUAL RETIREMENT ACCOUNTS

If you want more than your private pension and Social Security, open an IRA that lets you fund a financially stable tax-sheltered future.

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MONEY MARKET
MONEY MARKET

If you have a savings account but looking for a way to earn even more interest, a Money Market account is the way to go.

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INVESTMENT SOLUTIONS
INVESTMENT SOLUTIONS

Everything you need for access to a wide range of investment vehicles.

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Disclosures

*APY denotes Annual Percentage Yield. APY calculation assumes that interest and principal will remain on deposit until maturity. A minimum opening deposit of $500 is required. Penalties for early withdrawal apply and may reduce earnings. Posted rates on this page are subject to change at any time without notice. IRA and Coverdell Certificates are not eligible for this promotion.

Certificates and Savings Accounts, excluding IRAs, are federally insured by the National Credit Union Administration (NCUA) up to a total of $250,000 for any balance set up under the same ownership. This is the maximum amount allowed by law. The combined balances of your People First IRA Shares and IRA Certificates are federally insured up to $250,000 and are insured separately from other People First FCU Savings and Certificate Accounts.