Earn More with PAFCU Certificates
Grow your savings safely with a Certificate from People’s Alliance. Sometimes known as Certificates of Deposit (CDs), these accounts offer higher dividend rates than traditional savings in exchange for keeping your funds on deposit for a fixed term.
With competitive rates, flexible terms, and guaranteed returns, PAFCU Certificates help you maximize your savings with confidence.
Why Choose a PAFCU Certificate?
Our Certificates provide a secure, low-risk way to earn more on your money.
Higher dividend rates than standard savings accounts
Fixed rate for the full term
Flexible term options to fit your goals
Federally insured by the NCUA up to $250,000
Predictable, guaranteed earnings
Lock in your rate and know exactly how much your savings will grow.
Flexible Certificate Terms to Fit Your Goals
Choose from a range of certificate terms designed for short- and long-term savings.
- Short-term certificates for near-term goals
- Mid-term options for planned expenses
- Long-term certificates for maximum earnings
Terms range from 3 months to 5 years, giving you flexibility to align with your financial strategy.
Safe, Stable, and Predictable Growth
Unlike market-based investments, certificates offer stability. Your rate is locked in at account opening, protecting your savings from market fluctuations.
All PAFCU Certificates are federally insured by the National Credit Union Administration (NCUA), providing added peace of mind.
Opening a PAFCU Certificate is simple:
- Choose your term
- Deposit your funds
- Earn dividends at a fixed rate until maturity
At maturity, you can:
- Withdraw your funds
- Renew your certificate
- Transfer funds to another PAFCU account
PAFCU offers a variety of certificate accounts to meet your needs:
- Traditional Certificates: Fixed rate and fixed term
- Building Certificates: Fixed term, with a balance that can be added to at any time
- IRA Certificates: Tax-advantaged retirement savings
- Promotional Certificates: Limited-time special rates
View our current CD rates to see how much you can earn.
A certificate may be a smart choice if you want to:
- Earn higher interest than a savings account
- Save for a future goal or large purchase
- Grow money with low risk
- Diversify your savings strategy
| Term | Annual Percentage Yield | Rate |
|---|---|---|
| 11 Month Special | 3.56% | 3.50% |
| 18 Month Bump Up | 3.14% | 3.10% |
| 3 Months | 1.64% | 1.63% |
| 6 Months | 3.76% | 3.70% |
| 9 Months | 2.42% | 2.39% |
| 1 Year | 1.85% | 1.83% |
| 2 Year | 2.24% | 2.22% |
| 3 Year | 2.24% | 2.22% |
| 4 Year | 2.24% | 2.22% |
| 5 Year | 2.50% | 2.47% |
| Building 1 Year | 1.85% | 1.83% |
| Education 1 Year | 1.85% | 1.83% |
| 12 Month Youth | 2.15% | 2.13% |
| 12 Month Young Adult Building | 2.15% | 2.13% |
| Lucky Savers | 1.85% | 1.83% |
All rates and terms offered are subject to change without notice. A penalty will be assessed for premature withdrawal from share certificates. | ||