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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Limited-Time Certificate Offer.
4.75% APY* ON OUR 12-MONTH CERTIFICATE
Our new 12-month certificate comes with an eye popping 4.75% 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.
- Minimum $5,000 opening deposit required with funds not already on deposit at People First
Limited-Time Certificate Offer.
4.44% APY* ON OUR 4-MONTH CERTIFICATE
We call it a 4-for-4 certificate – 4-months and an attractive 4.44% APY*.
Earn more by locking in a guaranteed rate. Then sit back, relax and watch the earnings roll in. You can open a 4-month certificate today at any one of our convenient branches.
- Minimum $5,000 opening deposit required with funds not already on deposit at People First
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
| Term | APY* | Dividend Rate |
|---|---|---|
| 3 months | 3.33% | 3.28% |
| 6 months | 1.75% | 1.74% |
| 8 months | 3.25% | 3.20% |
| 12 months | 2.00% | 1.98% |
| 15 months | 4.50% | 4.41% |
| 18 months | 2.25% | 2.23% |
| 24 months | 2.75% | 2.72% |
| 30 months | 3.00% | 2.96% |
| 36 months | 3.25% | 3.20% |
| 48 months | 3.50% | 3.45% |
| 60 months | 3.75% | 3.69% |
*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.
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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 $5,000 is required. Deposits of new money to People First are required to open a certificate and earn the promotional rate. New money is money that is not already on deposit at People First FCU. Funds on deposit at People First FCU cannot be withdrawn and re-deposited to be considered new money. People Perks are not eligible for this promotional certificate. 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. Consumer accounts only.
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.