Sock away some money for a rainy day fund or retirement with PFCU’s certificates. PFCU offers certificates for various terms and various rates.

  • Feel secure: Enjoy peace of mind with the ability to earn interest while receiving a reliable return on your investment.
  • Save more: Instead of keeping cash in your checking or standard savings, earn interest and make more out of your money.
  • Prepare for milestones: Get ready for important life events – from college and home buying to retirement.
  • Save effortlessly: All you have to do is open a Certificate and watch your money mature.


  • 3 years at 1.50% APY*
  • 4 years at 1.75% APY*
  • 5 years at 2.20% APY*
 *Some restrictions apply. Annual Percentage Yield. Minimum balance $1,000.

Regular and IRA Certificates

  • Minimum issue of $1,000
  • Members may withdraw dividend earned and paid with no penalty
  • Early withdrawal penalty will apply to all other withdrawals (2% of amount withdrawn)

Minor Certificates

  • Members under age 18 can purchase certificates with terms of 60 months or until their 18th birthday, whichever occurs first
  • Minimum issue of $500
  • Add to the certificate in increments of $50 or more

Purchase a certificate today at any of our PFCU branches in Michigan and enjoy great certificates rates. If you have any questions, use our live chat support feature at the top of this page or contact us.