Term Share Certificates

PCM Credit Union’s Term Share Certificates offer a fixed rate of interest for a pre-determined period of time. Members can earn competitive rates of interest with maturities from 3 months to 4 years.

The initial interest rate is based on market conditions and can change on a weekly basis. However, once your certificate is opened, you are assured this rate for the full term of your certificate.

Your interest rate varies with the length of the certificate term. The minimum balance required is only $500. Additional deposits of at least $100 can be made on certificates with terms of 1 year or less. Dividends are available any time after they are paid, and may be transferred into another PCMCU account or mailed to you in the form of a check. See Rates

Term Share Certificate Features:

$500 minimum deposit to open.
Terms available: 3 month, 6 month, 9 month, 12 month, 18 month, 24 months, 36 month, and 48 month. Special terms and rates may also be available (see Rates).
No monthly maintenance fees.
Quarterly statement provided.
Interest is compounded and credited monthly.
Additional deposits of at least $100 can be made on certificates with a term of one year or less.
90-day early withdrawal penalty on certificates with an original maturity of one year or less.
180-day early withdrawal penalty on certificates over a one-year term.
All certificates will automatically renew at maturity.
Ten-day grace period after maturity to withdraw funds without an early withdrawal penalty.