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.
Open Account
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
- Federally insured by the National Credit Union Administration (NCUA)*
Share & IRA Share Certificate dividend rates
Share & IRA Share Certificate Rates
| Term | APY* | Dividend Rate |
|---|---|---|
| 6 months | 0.45% | 0.45% |
| 8 months | 1.25% | 1.24% |
| 12 months | 0.60% | 0.60% |
| 15 months | 2.25% | 2.23% |
| 18 months | 1.75% | 1.74% |
| 24 months | 2.25% | 2.23% |
| 30 months | 2.30% | 2.28% |
| 36 months | 2.35% | 2.33% |
| 48 months1 | 2.40% | 2.37% |
| 60 months1 | 3.00% | 2.96% |
*APY denotes Annual Percentage Yield. Rates are subject to change without notice. 1A better People Perks rate may be possible based upon your relationship with People First. 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
*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.