Certificates

Our members have access to a safe and easy way to invest their money. Whether you're looking for a short- or long-term investment, we have a certificate that will help you reach your financial goals. Our certificates are federally insured by the NCUA.

Open a Certificate

Benefits of Opening a Certificate at PSECU

A credit union certificate is the equivalent of a bank Certificate of Deposit (CD). It’s a smart option if you don’t need instant access to your money and want to earn higher dividends (interest) on your money than you can with a savings account. A certificate’s guaranteed rate of return makes it easier to estimate your money’s growth. Your certificates are federally insured by the National Credit Union Administration (NCUA) up to $250,0001.

Open with as little as $5002. You’ll accrue dividends for a set period of time, or “term.” When your term is up, you can withdraw your money and earnings. Otherwise, you can renew your certificate at current rates.

Flexible Terms
Choose from terms of 3, 6, 9, 12, 18, 24, 36, 48, and 60 months.
No Fees
We never charge monthly maintenance fees for your certificate.
Competitive Rates
Dividend rates are locked in for the term of your certificate.
Daily Growth
Your money grows faster, accelerated by dividends that are accrued daily and compounded monthly.
Earn up to 4.50% APY* for a limited time
Open a Certificate

Let's Get Started

How to Open a Certificate

  • To open a certificate, you must be a member of PSECU. Members should follow these steps:

    1. Log into digital banking.
    2. Click on the menu.
    3. Select Add a Product and then Certificate.
    Log In

Certificates IRA Certificates

Valid as of XX/XX/XXXX
Description APY* Dividend Rate
3 months 1.50% 1.49%
6 months 4.50% 4.41%
9 months 4.50% 4.41%
12 months 3.95% 3.88%
18 months 2.50% 2.47%
24 months 2.55% 2.52%
36 months 2.60% 2.57%
48 months 2.65% 2.62%
60 months 2.70% 2.67%

*APY denotes Annual Percentage Yield.

Rates and information are subject to change at any time. This rate will be paid until the certificate matures. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before the maturity date. Upon renewal, the term will be the same as the original term. You have 10 calendar days after maturity to redeem your certificate without penalty if you do not want to renew. If you have not contacted PSECU by the maturity date, the certificate will renew for the rate in effect on the date of maturity and for the same term as the original term. A penalty will be imposed for early withdrawal. A minimum daily balance of $500 must be maintained in order to earn the disclosed Annual Percentage Yield (APY).

View Truth in Savings Account Disclosures.

FAQs

  • A certificate is a savings account that typically offers a higher interest rate than a traditional savings account. The interest rate is fixed for the duration of the term. The term is how long the certificate is open, which you’ll decide when you open the account. Terms typically range from as short as three months and as long as 60 months (five years). You must maintain a minimum daily balance of $500 in order to earn the disclosed Annual Percentage Yield (APR). If you withdraw funds before the maturity, a penalty will be imposed.

    Learn More
View All FAQs

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*APY denotes Annual Percentage Yield.

1All PSECU deposit shares, including checking, Regular, additional savings, money market and certificates, are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. In addition to the $250,000 of insurance provided on an individual account or combination of individual accounts, you are also insured up to $250,000 for any combination of accounts you may hold jointly with other individuals.

2If your withdrawal plus penalty takes the certificate below the required minimum $500 balance, your certificate will be closed and the penalty will be calculated on the entire balance.