CERTIFICATES & IRAS
Bigger Yields. Brighter Futures.
Saving for retirement, college, or something else? We have solutions.
Open NowExperience 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
| $1,000 Minimum | Dividend Rate | APY | |
|---|---|---|---|
| 3 month | 2.960% | 3.000% | |
| 6 month | 2.960% | 3.000% | |
| 9 month | 2.960% | 3.000% | |
| 1 year | 3.057% | 3.100% | |
| 15 month | 3.105% | 3.150% | |
| 18 month | 3.154% | 3.200% | |
| 2 year | 3.203% | 3.250% | |
| 30 month | 3.203% | 3.250% | |
| 3 year | 3.203% | 3.250% | |
| 4 year | 3.203% | 3.250% | |
| 5 year | 3.203% | 3.250% |
| $1,000 Minimum | Dividend Rate | APY | |
|---|---|---|---|
| 3 month | 2.960% | 3.000% | |
| 6 month | 2.960% | 3.000% | |
| 9 month | 2.960% | 3.000% | |
| 1 year | 3.057% | 3.100% | |
| 15 month | 3.105% | 3.150% | |
| 18 month | 3.154% | 3.200% | |
| 2 year | 3.203% | 3.250% | |
| 30 month | 3.203% | 3.250% | |
| 3 year | 3.203% | 3.250% | |
| 4 year | 3.203% | 3.250% | |
| 5 year | 3.203% | 3.250% |
| Dividend Rate | APY | ||
|---|---|---|---|
| IRA Money Markets-Traditional and Roth (S6/S12) | 3.203% | 3.250% |
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
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.
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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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:
More Financial Solutions
You name it. We’ll help you do it. PFFCU offers a full suite of personal banking and lending products.
