CERTIFICATES & IRAS

Bigger Yields. Brighter Futures.

Saving for retirement, college, or something else? We have solutions.

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Experience Growth on Your Terms

Competitive yields for all members

Competitive yields for all members

Flexible terms

Flexible terms

Open in minutes

Open in minutes

Certificates and IRAs separately insured by NCUA

Certificates and IRAs separately insured by NCUA

A trusted financial partner since 1938

A trusted financial partner since 1938

Rates are effective as of November 4, 2024 and are subject to change. APY = Annual Percentage Yield.
Certificate Rates

$1,000 MinimumDividend RateAPY
3 month3.445%3.500%
6 month3.445%3.500%
9 month3.445%3.500%
1 year3.445%3.500%
15 month3.445%3.500%
18 month3.445%3.500%
2 year3.445%3.500%
30 month3.445%3.500%
3 year3.445%3.500%
4 year3.445%3.500%
5 year3.445%3.500%

$1,000 MinimumDividend RateAPY
3 month3.445%3.500%
6 month3.445%3.500%
9 month3.445%3.500%
1 year3.445%3.500%
15 month3.445%3.500%
18 month3.445%3.500%
2 year3.445%3.500%
30 month3.445%3.500%
3 year3.445%3.500%
4 year3.445%3.500%
5 year3.445%3.500%

Dividend RateAPY
IRA Money Markets-Traditional and Roth (S6/S12)3.445%3.500%
Supercharge Your Savings With a Certificate Supercharge Your Savings With a Certificate

CERTIFICATES

Supercharge Your Savings With a Certificate

Much like CDs from traditional banks, certificates from PFFCU can keep your savings growing securely with a competitive yield that’s locked in for a set term. Our certificates come in a range of maturities and yields to suit your specific savings goals. Open your certificate in Online/Mobile Banking, by phone, or at a Branch with a minimum balance of $1,000. Plus, it’s easy and free to transfer funds from another institution.

Certificate Purchase Application

Your Information

You must already be a PFFCU member to use the form below to open a certificate. This form is to purchase a certificate only, not to be used for an IRA certificate. If you are not a member, please go to the Membership Application.

(If you have a TAC on your account, this must be filled out in order for PFFCU to process your request.)

Do not update records with this email

New Certificate Details

Maturity Term*

Maturity Term(Required)

All joint owners on an account will be joint owners of any and all non IRA certificates held within an account.

Please choose an account to deposit funds from*

1. Premium Yield Account owners are entitled to two FREE withdrawals per calendar month, including the transfer of funds. Accounts will be charged $10 for each additional withdrawal/transfer per month.

Please choose a certificate dividend option*

Certificate Dividend Option(Required)

Comments

Police and Fire Federal Credit Union accounts, loans, and other services are available only to members of the Police and Fire Federal Credit Union. If you would like to see if you qualify for membership, please review our online membership information, or contact one of our Telephone Member Service Representatives at (215) 931-0300 or (800) 228-8801.

have read disclosure(Required)

I/We agree that clicking the Submit button below and forwarding this application acts as my/our signature on this application that I/we am/are submitting to PFFCU. I/We certify that all of the information provided is true and correct, and agree to be bound to the terms and conditions regarding the account(s) as well as any disclosures, that have been or will be provided to me/us.

Build Your Nest Egg With an IRA Build Your Nest Egg With an IRA

IRAS

Build Your Nest Egg With an IRA

With tax-advantaged, risk-free growth, an IRA from PFFCU is a great way to save for your retirement or your child’s education. Whether you’re still working or you’re already retired, you can help secure your future with a Traditional IRA or Roth IRA. Have kids under 18? You can open a Coverdell ESA IRA for education expenses.

Open Now Manage an IRA

How Much Could Your Savings Grow?

 

FAQs

Be in the Know

Traditional IRAs (individual retirement accounts) allow for pre-tax contributions with tax-deferred growth, but withdrawals in retirement are taxed.

Roth IRAs are funded with post-tax dollars, offer tax-free growth, and permit tax-free withdrawals in retirement.

SEP-IRAs (Simplified Employee Pension individual retirement accounts) are designed for self-employed individuals and small business owners, permitting larger pre-tax contributions than Traditional IRAs but taxing withdrawals in retirement.

With a Coverdell ESA (Education Savings Account), post-tax contributions can grow tax-free until they are withdrawn for qualified education expenses.

PFFCU offers all four IRA options.

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Keep It All at Your Fingertips Keep It All at Your Fingertips

MOBILE BANKING

Keep It All at Your Fingertips

Manage your finances with ease – anytime, anywhere. Use the secure PFFCU Mobile App to view your account balances, transfer funds, pay bills, deposit checks, apply for loans, and more.

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You’re Shielded You’re Shielded

SHARE INSURANCE

You’re Shielded

Just like at the big commercial banks, your accounts at PFFCU are federally insured. The National Credit Union Administration (NCUA) insures your accounts for up to $250,000 per qualifying account.

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Here for You

Our Member Service Representatives can help you select the right savings account for your needs. Find a Branch or call us at 215.931.0300.

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Tap for Convenience

Download the PFFCU Mobile App for quick, secure access to your accounts and tools like:

Mobile check deposit
Online loan applications
Customized debit/credit card controls
Learn More

More Financial Solutions

You name it. We’ll help you do it. PFFCU offers a full suite of personal banking and lending products.