{"id":2563,"date":"2025-03-11T17:43:06","date_gmt":"2025-03-12T00:43:06","guid":{"rendered":"https:\/\/www.pcfcu.org\/iras-and-certificates\/"},"modified":"2025-10-14T21:11:50","modified_gmt":"2025-10-15T04:11:50","slug":"ira-y-certificados","status":"publish","type":"page","link":"https:\/\/www.pcfcu.org\/es\/iras-and-certificates\/","title":{"rendered":"Cuentas individuales y certificados"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__white co-flex_row__page-hero\" ><div class=\"co-flex_row--row co-row\">\t<header class=\"co-page_hero  co-page_hero__has_image display-img-desktop display-img-mobile\" aria-label=\"Header: IRAS AND CERTIFICATES\">\n\t\t<div class=\"co-page_hero--inner\">\n\t\t\t<div class=\"prow gap:5\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-page_hero--img_wrap pcol-lg:6\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"556\" height=\"360\" src=\"https:\/\/www.pcfcu.org\/files\/ferns-and-plants-in-the-forest-556x360-1.jpg\" class=\"co-page_hero--img\" alt=\"IRAs and Certificates Hero\" srcset=\"https:\/\/www.pcfcu.org\/files\/ferns-and-plants-in-the-forest-556x360-1.jpg 556w, https:\/\/www.pcfcu.org\/files\/ferns-and-plants-in-the-forest-556x360-1-540x350.jpg 540w, https:\/\/www.pcfcu.org\/files\/ferns-and-plants-in-the-forest-556x360-1-396x256.jpg 396w, https:\/\/www.pcfcu.org\/files\/ferns-and-plants-in-the-forest-556x360-1-75x49.jpg 75w\" sizes=\"auto, (max-width: 556px) 100vw, 556px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"co-page_hero--text pcol-lg:6\">\n\t\t\t\t\t\t<svg\n\t\tclass=\"co-page_hero--icon IconFern\"\n\t\tviewBox=\"0 0 100.8362 125.0572\"\n\t\twidth=\"100.8362\"\n\t\theight=\"125.0572\"\n\t>\n\t\t<title>Fern<\/title>\n\t\t\n\t\t<path d=\"M76.5249,112.0789c5.18-.2973,23.6525-8.646,24.3761-14.7561-1.5049-.7336-8.341,1.2766-17.8,5.8833a14.8075,14.8075,0,0,1-6.92,1.8091c-1.5354.0668-2.6322-.2586-2.4411,2.306.1753,2.3675.421,3.0373-.3481,4.6523-.908-2.4433-1.95-5.1726-3.12-8.1287-.0151-.7282.4976-2.0306,4.1433-2.57,6.1139-.9034,20.18-9.5555,20.6865-16.7671,0,0-5.0542.3679-14.034,6.2376-6.5827,4.3018-8.6422,2.7945-10.6319,2.8954-1.9905.1024-1.0673,3.5653-.6456,5.2379.4309,1.7143.2875,2.29-.3041,2.9978-1.1075-2.7551-2.3174-5.6794-3.6267-8.7272a4.6983,4.6983,0,0,1,2.947-3.8125c3.7184-1.4382,21.122-9.5851,21.4792-18.0225A50.7924,50.7924,0,0,0,73.6917,77.81c-4.2919,2.7953-5.9228,4.7008-7.6864,5.05-1.7614.3512-1.6863,2.0936-1.0431,5.5321a4.8593,4.8593,0,0,1-.0015,2.683c-1.0589-2.4258-2.1763-4.9192-3.3513-7.4588.0911-.6607.8951-1.8388,4.6037-3.3688,5.8667-2.4221,16.312-13.8011,14.7016-18.8281,0,0-3.3119.7464-10.5022,6.9143-4.6932,4.0264-6.8035,5.27-8.9479,5.99-2.1475.7206-2.4077.2-1.09,3.41l-1.7727-.4491q-1.056-2.1641-2.1627-4.35c-.0417-.487.1161-1.3192,1.4959-1.8282,2.04-.7555,15.6239-10.182,13.6691-18.7916,0,0-2.2453.5272-7.4505,5.9819-3.767,3.9476-5.2431,4.79-7.2,5.2234-1.9593.4362-3.1-.4414-2.1224,3.04.8837,3.1442,1.0422,3.7313.7593,4.7129-1.3442-2.6125-2.7414-5.2326-4.19-7.84-.0448-.5848.2936-1.4754,1.9654-2.6284C56.5074,58.64,65.8035,47.6913,63.6469,43.4813c0,0-1.3889.2465-5.765,4.5384-3.0585,2.9994-4.2828,3.6745-6.1458,4.4148-1.5839.6251-4.0818.5667-2.7445,2.6883,1.31,2.0785,1.6856,3.8019,1.5649,6.8012q-2.0617-3.6535-4.2517-7.2389c-.1327-.2161-.2617-.4224-.3937-.6371-.0872-.6054-.0591-2.14,2.0132-3.5888,2.6557-1.8538,8.0642-13.0471,5.98-15.413a12.4081,12.4081,0,0,0-3.6031,3.85c-1.816,2.8059-3.0244,4.5718-4.5839,5.4411s-3.4393.2671-2.2181,3.0388c1.219,2.77,2.0861,3.3186,1.4557,5.1111l.08.1426q-2.658-4.2647-5.1582-7.9853c-.0986-.19-.56-1.2728.9823-2.6375,1.7022-1.5049,8.0134-10.0137,5.3175-13.996,0,0-.4059-.2018-2.6823,2.8073-2.2749,3.0108-2.8521,4.0507-4.122,4.7767S36.57,36.209,37.759,38.402c1.1628,2.1445,1.4958,3.3945,1.1537,4.8123-1.6551-2.4335-3.2572-4.6909-4.813-6.8065a5.5725,5.5725,0,0,1,1.395-3.6638C37.08,30.6883,38.7155,24.82,36.6856,21.01c0,0-.6068-.2018-1.4716,1.1871s-1.6392,3.9051-2.9364,5.4662c-1.2971,1.5641-2.6837,1.2948-.89,3.239,2.0389,2.21,1.4283,2.636,1.7461,4.2008-1.7742-2.3735-3.4832-4.5513-5.1293-6.5592a4.1485,4.1485,0,0,1,.64-3.1806,9.9158,9.9158,0,0,0,1.5778-5.435A4.32,4.32,0,0,0,28.48,16.35s-.4021.0288-1.0924,2.0526a8.3487,8.3487,0,0,1-1.6407,3.24c-.49.55-1.5308.7661-.1108,2.369,1.0916,1.2311.8231,1.5679.9482,2.8226q-2.263-2.6875-4.3655-4.9739a3.1018,3.1018,0,0,1,.45-2.8613c1.0627-1.8508.8056-4.7743-.36-5.9812-.7221-.749-1.0119-.4892-1.0119-.4892-.2283.5784-.4862,2.5153-.9186,3.0653s-1.2971,1.16-.6038,2.0815a4.5269,4.5269,0,0,1,1.0043,2.6359c-1.37-1.4526-2.6875-2.7945-3.9543-4.0423a4.2291,4.2291,0,0,1,.3663-3.0919c.8056-1.9381-.2692-4.2752-1.3949-4.3617a13.4594,13.4594,0,0,0-.9217,1.65c-.5469.9558-1.21,1.9677-.1669,2.7164a2.4021,2.4021,0,0,1,1.1561,2.149c-1.552-1.5042-3.0289-2.8772-4.43-4.155A2.8061,2.8061,0,0,1,11.9514,9.07a1.94,1.94,0,0,0-.3231-2.7453c-.55-.2586-.8375.5511-1.2987.8413-.4566.2864-1.0081.6372-.6326,1.4458.3307.7127.6614.7984.7381,1.6575q-.7988-.7238-1.5657-1.4136L7.7027,7.7841A2.8753,2.8753,0,0,1,7.58,6.168c.2579-.9842.3132-1.4458-.5545-2.1088a2.53,2.53,0,0,0-.9945,2.19l-.352-.3232a3.0459,3.0459,0,0,1-.51-1.2523A2.132,2.132,0,0,0,4.3075,3.38c-.8769-.6042-.4218.1487-.9991.2087-.578.0584-.41-2.5139-1.3039-1.53,0,0-.1472-1.1549-1.94-1.7295A5.81,5.81,0,0,1,.7043,1.9163c.2617,1.0119.754.75.9558,1.2991s.1168.3754-.2579.5783c-.377.2029,1.1151.5424,1.5171.7794.4756.2818.421.8932-.1563,1.1531-.628.2844,1.8.3773,2.75,1.7579a1.5607,1.5607,0,0,0-1.56.8989c.29.4323.6129,1.0809,1.6188.69A2.3934,2.3934,0,0,1,7.69,9.5348l.4688.46c.2253.2037.4544.41.685.6179-.9254-.448-2.529.0587-2.6921.7475a7.9609,7.9609,0,0,1-.49,1.3927,4.9709,4.9709,0,0,0,3.49-.5166,1.3922,1.3922,0,0,1,1.2425-.2139c.9558.875,1.9434,1.7906,2.9675,2.7654-.7237.0276-.6759-.3285-1.4026-.6331a1.9084,1.9084,0,0,0-2.281.4673,5.6068,5.6068,0,0,1-1.7325,1.159c1.45,1.8176,3.3262,1.0044,4.6826.0486a1.97,1.97,0,0,1,1.36-.44c1.1242,1.081,2.2893,2.2325,3.4992,3.4735-.6508.0872-.8913.1866-2.0845-.6137-1.1332-.7616-1.6172-.17-2.6268.5537-1.01.7252-2.7741.7867-2.5389,1.508,1.6225,2.54,5.5169.22,6.6146-.4748a1.2912,1.2912,0,0,1,1.442-.1411q1.9139,1.9935,3.9756,4.3147l-.1457-.14c-.8958.3186-1.0119-.1138-2.3439-1.1227-1.33-1.0089-2.08.2071-3.927.7889s-2.944,1.1045-2.6853,1.3335c3.4734,2.969,7.543.795,8.6118.07a1.1784,1.1784,0,0,1,1.1728-.154c1.6362,1.8713,3.3437,3.9141,5.127,6.1624-.54-.07-1.2834-.4073-2.5957-2.0564-1.6506-2.0769-2.6314-.66-6.761.0425-4.13.7009-3.233,1.4792-2.9447,1.71C18.44,33.24,24.48,32.7363,26.27,31.9816a3.1143,3.1143,0,0,1,2.5389-.1062c1.9055,2.4342,3.8936,5.0983,5.9744,8.04l-1.0089-1.39C32.2,38.25,31.4265,37.1193,29.9572,35.229c-1.8455-2.3728-2.2832-.5241-3.8443.3307-1.56.8541-2.6777,1.1-5.5246,1.728-2.85.6258-3.2769,1.4094-3.06,1.6263,1.8145,2.837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transform=\"translate(-0.0649 -0.329)\" fill=\"#93a444\"\/>\n\t\t<\/svg>\n\t\t\t\t\t\t<div class=\"co-page_hero--text_inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"co-page_hero--title\">\n\t\t\t\t\t\t\tIRAS AND CERTIFICATES\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t<p class=\"co-page_hero--tagline\">For your longer-term savings goals, including a stable retirement.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__page-intro\" id=\"overview\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-page_intro\">\n\t\t<div class=\"co-page_intro--desc text-component\"><p>Whether you\u2019re saving for retirement, your child\u2019s college education, or another long-term goal, our IRAs and certificates offer higher returns and the flexibility you need. We offer two types of IRAs, Share Certificates, and Coverdell Educational Savings Accounts.<\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__sticky-nav\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sticky_nav_wrap is-active\" id=\"js-sticky_nav_wrap\">\n\t\t<nav\n\t\t\tclass=\"co-sticky_nav\"\n\t\t\tid=\"js-sticky_nav\"\n\t\t\taria-label=\"in page anchor navigation\"\n\t\t>\n\t\t\t<div class=\"co-sticky_nav--mobile\">\n\t\t\t\t<button\n\t\t\t\t\tclass=\"co-sticky_nav--toggle\"\n\t\t\t\t\tid=\"js-sticky_nav_toggle\"\n\t\t\t\t\taria-label=\"Open and close page menu\"\n\t\t\t\t>Page Menu<\/button>\n\t\t\t<\/div>\n\t\t\t<div\n\t\t\t\tclass=\"co-sticky_nav--row co-row\"\n\t\t\t\tid=\"js-sticky_nav_links\"\n\t\t\t>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#overview\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\taria-label=\"overview\"\t\t\t\t\t>\n\t\t\t\t\t\tOverview\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#compare\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\taria-label=\"compare\"\t\t\t\t\t>\n\t\t\t\t\t\tCompare Products\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#details\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\taria-label=\"details\"\t\t\t\t\t>\n\t\t\t\t\t\tHelpful Details\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#faqs\"\n\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-sticky_nav--link\n\t\t\t\t\t\t\tjs-sticky_nav_item\n\t\t\t\t\t\t\"\n\t\t\t\t\t\taria-label=\"FAQs\"\t\t\t\t\t>\n\t\t\t\t\t\tFAQs and Tips\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/nav>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__header-keyline\" ><div class=\"co-flex_row--row co-row\"><div class=\"co-header_keyline\">\n\t<div class=\"co-header_keyline--headline\">Compare Products<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__product-comparison\" id=\"compare\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-comp_table_outer_wrap js-comp_table\">\n\t\t\t\t<div class=\"co-comp_table_wrap co-comp_table_outer_wrap--second_chance\">\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_0\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Best if you want<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Best if you want<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Minimum balance<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Minimum balance<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Annual fee<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Annual fee<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Options and perks<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Options and perks<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_1\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p><strong>Save to Win<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Best if you want<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>A 12-month share certificate that offers the chance of a cash prize for every deposit you make.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Minimum balance<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>No minimum balance<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Annual fee<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>N\/A<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Options and perks<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>For every $25 you deposit, you increase your chances to win a cash prize.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_2\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p><strong>Certificate<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Best if you want<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>To save a high balance without needing immediate access to your funds.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Minimum balance<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>$500 ($100 for members 0-23 years of age)*<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Annual fee<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>N\/A<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Options and perks<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Available at terms&nbsp; of six months to five years.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_3\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p><strong>Traditional IRA<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Best if you want<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>To save long-term and make tax-deductible contributions.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Minimum balance<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>No minimum balance<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Annual fee<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>$12<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Options and perks<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Your contributions may be deducted from your taxable income, reducing the income taxes you pay now.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-comp_table co-comp_table__key_4\">\n\t\t\t\t\t<div class=\"co-comp_item\">\n\t\t\t\t\t\t<div class=\"co-comp_item--title js-comp_table_title text-component\">\n\t\t\t\t\t\t\t<p><strong>Roth IRA<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"co-comp_item--list js-comp_table_list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Best if you want<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>To save long-term with tax-free earnings.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Minimum balance<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>No minimum balance<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Annual fee<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>$12<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"co-comp_item--item js-comp_table_cell co-comp_item--item__last\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--name\">\n\t\t\t\t\t\t\t\t\t\t<p><strong>Options and perks<\/strong><\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-comp_item--value text-component\">\n\t\t\t\t\t\t\t\t\t\t<p>Your contributions aren&#8217;t tax-deductible, but your earnings are tax-free under certain conditions.<\/p>\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t<\/section>\n\t<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__certificate-deposit-calculator\" ><div class=\"co-flex_row--row co-row\">\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Certificate Calculator<\/h2><div class=\"co-intro_text--intro text-component\"><p>Certificates are a great way to \u201clock in\u201d great savings rates or to save up for expected purchases in the future. See how your savings could add up over time.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t<div class=\"co-pix_calc--wrapper\">\n\t\t<div\n\t\t\tclass=\"js-calc_wrapper co-pix_calc\"\n\t\t\tdata-name=\"acf\/certificate-deposit-calculator\"\n\t\t\t\t\t\t\tdata-deposit='{&quot;default&quot;:&quot;$1000&quot;,&quot;minimum&quot;:&quot;$500&quot;,&quot;maximum&quot;:&quot;&quot;}'\n\t\t\t\t\t\t\tdata-term_unit='&quot;months&quot;'\n\t\t\t\t\t\t\tdata-term_options='[{&quot;label&quot;:&quot;6 month certificate&quot;,&quot;value&quot;:&quot;3.10--\\\/--6 month certificate&quot;},{&quot;label&quot;:&quot;12 month certificate&quot;,&quot;value&quot;:&quot;3.25--\\\/--12 month certificate&quot;},{&quot;label&quot;:&quot;24 month certificate&quot;,&quot;value&quot;:&quot;2.75--\\\/--24 month certificate&quot;},{&quot;label&quot;:&quot;36 month certificate&quot;,&quot;value&quot;:&quot;2.50--\\\/--36 month certificate&quot;},{&quot;label&quot;:&quot;48 month certificate&quot;,&quot;value&quot;:&quot;2.50--\\\/--48 month certificate&quot;},{&quot;label&quot;:&quot;60 month certificate&quot;,&quot;value&quot;:&quot;2.50--\\\/--60 month certificate&quot;}]'\n\t\t\t\t\t\t\tdata-term_options_default='{&quot;label&quot;:&quot;6 month certificate&quot;,&quot;value&quot;:&quot;3.10--\\\/--6 month certificate&quot;}'\n\t\t\t\t\t>\n\t\t<\/div>\n\t\t<div class=\"co-pix_calc--disclosures\">\n\t\t\t<p>Calculated amounts are for estimation purposes only. Full certificates disclosures shown below.<\/p>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-center  flex-center \">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content text-component\"><div class=\"co-rates_table_wrap co-rates_table_wrap__rates_list\">\n\t<table class=\"co-rates_table\">\n\t\t<caption class=\"co-rates_table_wrap--title\" id=\"certificates\">\n\t\t\tCertificates\t\t<\/caption>\n\t\t\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t\t<tr>\n\t\t\t\t\t<td class=\"co-rates_table--foot_cell\" colspan=\"4\">\n\t\t\t\t\t\t<p>Rates effective as of May 05, 2026.<\/p>\n<p><strong>* APY<\/strong> = Annual Percentage Yield.<\/p>\n<p><strong>IRA Certificates are available for all terms excluding Save to Win Certificates and Specials General Conditions:<\/strong><\/p>\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<div class=\"page\" title=\"Page 1\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p class=\"p1\"><b>Rates. <\/b>Certificate rates are subject to change on Tuesday morning of each week. The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Edge Certificate rates only available to members 0-23 years of age. <i>Certificate Rates remain <\/i><i>fixed for the term of the certificate, excluding Bump Rate certificates. Save to Win certificates are only available to members age 18 and older.<\/i><\/p>\n<p class=\"p1\"><b>Dividends. <\/b>Dividends are paid from current income and available earnings after providing for the required reserves. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.<\/p>\n<p class=\"p1\"><b>Crediting. <\/b>Dividends will be credited quarterly. Once credited, dividends may be withdrawn without penalty. (IRA accounts and Save to Win certificates may be subject to other restrictions, see agreements for details.)<\/p>\n<p class=\"p1\"><b>Balance. <\/b>The minimum balance required to open each certificate is set forth above. Dividends are calculated by the Daily Balance method, which applies a daily periodic rate to the principal. After your account is opened you may not make additional deposits to your account, except for Add-On Certificates and Save to Win Certificates. Additional deposits of $500.00* or more are permitted at any time during the initial term of the Add-On Certificates and additional deposits of any amount to Save to Win Certificates. Making additional deposits will not change the maturity date or other terms of the account. If the Add On Certificate or Save to Win Certificate is set to automatically renew, the Add On feature will continue for any renewal term.<\/p>\n<p class=\"p1\"><b>Accrual of Dividends. <\/b>Dividends will begin to accrue on cash or noncash deposits (e.g. checks) on the business day you make the deposit to your certificate.<\/p>\n<p class=\"p1\"><b>Maturity. <\/b>At maturity, your certificate will automatically be renewed into the closest to the original term not to exceed the original term, beginning on the maturity date set forth on your Certificate Disclosure Statement. You will receive a notice of renewal at least 20 days prior to maturity and you will have the opportunity to instruct the Credit Union if you wish to redeem the certificate during the renewal grace period as explained in the notice of renewal.<\/p>\n<p class=\"p1\"><b>Penalties. <\/b>There are substantial penalties for early withdrawal of certificate funds. Early withdrawal of certificate funds is subject to a penalty of one half of the interest that would be earned over the original term of the certificate. The penalty is calculated on the amount withdrawn. Save to Win Certificates are subject to distinctive penalty rules.<\/p>\n<p class=\"p1\"><strong>**Wherever $500 is stated, $100 applies for members 0-23 years of age. Please refer to your certificate disclosure form for specific details.<\/strong><\/p>\n<p><b>Note: For all accounts listed, rates and terms are subject to change without notice. Earned dividends are paid on entire balance in the account. Accounts, other than certificates, must remain open to the end of the dividend period to be paid dividends. Fees and charges may apply (and may reduce earnings) on the above accounts. Please refer to the Fee Schedule for details. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union\u2019s Board of Directors. Dividends are paid from current income and available earnings after providing for the required reserves and cannot be guaranteed. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period and can be viewed on the \u201cCurrent Dividend Rates\u201d and the \u201cCurrent Certificate Rates\u201d disclosures. Dividends will begin to accrue on the business day the deposit is made to the account.<\/b><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t<\/tfoot>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>6 Month Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>3.065%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>3.10%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>12 Month Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>3.211%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>3.25%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>12 Month Save To Win Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>3.211%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>3.25%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$25<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>18 Month Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.869%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.90%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>24 Month Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.722%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.75%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>26 Month Add-on Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.231%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.25%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>30 Month Bump-Rate Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.231%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.25%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>36 Month<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.477%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.50%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>48 Month Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.477%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.50%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Certificate Term<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>60 Month Certificate<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Dividend Rate<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.477%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>2.50%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>Min. Balance**<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>$500<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n<\/div>\n<p>&nbsp;<\/p>\n<div class=\"co-rates_table_wrap co-rates_table_wrap__rates_list\">\n\t<table class=\"co-rates_table\">\n\t\t<caption class=\"co-rates_table_wrap--title\" id=\"iras\">\n\t\t\tIRAs\t\t<\/caption>\n\t\t\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>IRA Type<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th\n\t\t\t\t\t\t\tclass=\"co-rates_table--heading\"\n\t\t\t\t\t\t\tscope=\"col\"\n\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t<\/thead>\n\t\t\t\t\t<tfoot>\n\t\t\t\t<tr>\n\t\t\t\t\t<td class=\"co-rates_table--foot_cell\" colspan=\"2\">\n\t\t\t\t\t\t<p>Rates effective as of Nov 1, 2024<\/p>\n<p>*Annual Percentage Yield. DIVIDENDS are declared and paid monthly and calculated on the average daily balance.<\/p>\n\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t<\/tfoot>\n\t\t\t\t\t<tbody>\n\t\t\t\t\t\t\t\t\t<tr class=\"co-rates_table--row\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>IRA Type<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>Basic Savings IRA<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<td class=\"co-rates_table--cell\">\n\t\t\t\t\t\t\t\t<div class=\"co-rates_table--cell_mobile_title\">\n\t\t\t\t\t\t\t\t\t<p>APY*<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<p>0.20% \/ Dividend Rate &#8211; 0.20%<\/p>\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t<\/table>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__testimonial\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-testis co-testis__no_image co-testis__brown has_intro\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Win or Lose I Have a Savings Account<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-testi gap-y-lg:0 co-testi__no_image\">\n\t\t\t\t\t\t\t<img\n\t\t\t\t\tclass=\"co-testi--wood_image\"\n\t\t\t\t\tsrc=\"https:\/\/www.pcfcu.org\/wp-content\/themes\/peninsula-theme\/images\/wood-background.png\"\n\t\t\t\t\talt=\"wood\"\n\t\t\t\t\twidth=\"481\"\n\t\t\t\t\theight=\"475\"\n\t\t\t\t\tloading=\"lazy\"\n\t\t\t\t>\n\t\t\t\t\t\t\t\t\t<blockquote class=\"co-testi--quote co-testi--quote__center\">\n\t\t\t\t<div class=\"co-testi--quote_text text-component\">\n\t\t\t\t\t<p>Save to win is a really cool tool to use. I&#8217;ve had one for a couple years now, and I&#8217;ve won the cash prizes twice. But the best part is at the end of the contest, win or lose I still feel like a winner because I have a larger savings account than when I started. It pays to save!<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<cite class=\"co-testi--attr\">\n\t\t\t\t\tTim, Port Orchard\t\t\t\t<\/cite>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__header-keyline\" ><div class=\"co-flex_row--row co-row\"><div class=\"co-header_keyline\">\n\t<div class=\"co-header_keyline--headline\">Helpful Details<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__columns\" id=\"details\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:2 co-columns--row__no_media justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h2 class=\"co-columns--box_headline\" >Wealth Management<\/h2><div class=\"co-columns--box_desc text-component\"><p>Meet with one of our CFS financial advisors to chat about your goals and create a retirement strategy plan that works for you.<\/p>\n<\/div><div class=\"co-columns--box_button\"><a class=\"co-columns--button co-button gtm-button\" href=\"https:\/\/www.pcfcu.org\/wealth-management\/\"  >Visit Our Wealth Management Site<\/a><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-columns--box\">\n\t\t\t\t\t\t<h2 class=\"co-columns--box_headline\" >IRS Information About IRAs<\/h2><div class=\"co-columns--box_desc text-component\"><p>Learn more about contribution limits, deductions, tax advantages, and withdrawal restrictions.<\/p>\n<\/div><div class=\"co-columns--box_button\"><a class=\"co-columns--button co-button gtm-button\" href=\"https:\/\/www.pcfcu.org\/es\/speed-bump\/?url=https%3A%2F%2Fwww.irs.gov%2Fretirement-plans%2Findividual-retirement-arrangements-iras&#038;prev=https%3A%2F%2Fwww.pcfcu.org%2Fes%2Firas-and-certificates%2F\" target=\"_blank\" >Learn More at IRS.GOV<\/a><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__header-keyline\" ><div class=\"co-flex_row--row co-row\"><div class=\"co-header_keyline\">\n\t<div class=\"co-header_keyline--headline\">FAQs &#038; Tips<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__faqs\" id=\"faqs\"><div class=\"co-flex_row--row co-row\">\t<section class=\"co-accords_section\" aria-label=\"\">\n\t\t\t\t<div class=\"co-accordion\" data-animation=\"on\" data-multi-items=\"on\">\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2724\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t\tWhat is an IRA?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\ttext-component\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>An \u201cIndividual Retirement Account\u201d is a type of savings account that provides tax benefits to help you save for retirement. Anyone with an income can open an IRA.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2725\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t\tWhat is a Share Certificate and how does it work?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\ttext-component\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>A share certificate is a type of deposit. Certificate\u2019s are a low risk investment in which you are paid interest quarterly to keep funds on hold in your account for a set term. Our Certificate terms vary from 6 months to 5 years. Each term has a different dividend rate for you to earn from the funds on hold. Because the funds are on hold, it is not easily accessible to spend; making it a good way to save!<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"co-accordion--item\">\n\t\t\t\t\t<button\n\t\t\t\t\t\t\t\t\t\t\t\t\tdata-accordid=\"2726\"\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"\n\t\t\t\t\t\t\tco-accordion--header\n\t\t\t\t\t\t\tjs-accord_toggle\n\t\t\t\t\t\t\tclosed\n\t\t\t\t\t\t\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg class=\"co-accordion--icon no-js:is-hidden\" viewBox=\"0 0 20 20\"><g class=\"icon__group\" fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><line x1=\"3\" y1=\"3\" x2=\"17\" y2=\"17\"><\/line><line x1=\"17\" y1=\"3\" x2=\"3\" y2=\"17\"><\/line><\/g><\/svg>\n\t\t\t\t\t\tAre there fees on a Share Certificate?\t\t\t\t\t<\/button>\n\t\t\t\t\t<div class=\"\n\t\t\t\t\t\tco-accordion--panel\n\t\t\t\t\t\tjs-accord_content\n\t\t\t\t\t\ttext-component\n\t\t\t\t\t\">\n\t\t\t\t\t\t<p>Penalties can apply for withdrawing money before the maturity date.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<div class=\"co-accordion--cta\"><p><a href=\"https:\/\/www.pcfcu.org\/assistance\/\" target=\"_blank\" rel=\"noopener\">See all FAQs<\/a><\/p>\n<\/div>\t<\/section>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block prow items-center  \">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:7\">\n\t\t\t\t\t<h2 class=\"co-long_form--headline\" >Quick Tip<\/h2><div class=\"co-long_form--content text-component\"><p><strong>When rates are low, stick to short terms.<\/strong><\/p>\n<p>This way you won\u2019t be stuck to a low performing rate if they increase. As the rates get higher, you can feel more confident lengthening the term so you will make more money over time. Transcript<\/p>\n<p><a href=\"https:\/\/www.pcfcu.org\/tools-and-calculators\/\">GET MORE TIPS<\/a><\/p>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-long_form--media pcol-md:5\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"540\" height=\"360\" src=\"https:\/\/www.pcfcu.org\/files\/PCUAPR11-0091-730x487-1-540x360.jpg\" class=\"co-long_form--image\" alt=\"Money Minute Tip\" srcset=\"https:\/\/www.pcfcu.org\/files\/PCUAPR11-0091-730x487-1-540x360.jpg 540w, https:\/\/www.pcfcu.org\/files\/PCUAPR11-0091-730x487-1-396x264.jpg 396w, https:\/\/www.pcfcu.org\/files\/PCUAPR11-0091-730x487-1-75x50.jpg 75w, https:\/\/www.pcfcu.org\/files\/PCUAPR11-0091-730x487-1.jpg 730w\" sizes=\"auto, (max-width: 540px) 100vw, 540px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__multi-path-cta\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-mp_ctas\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Ready to open a Peninsula Certificate or IRA account?<\/h2>\t\t<\/header>\n\t\t\t\t<div class=\"co-mp_ctas--list prow justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.pcfcu.org\/branches-and-atms\/\"  >Find your closest branch<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tCall us\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"tel:18004261601\"  >1.800.426.1601<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tHablamos Espa\u00f1ol\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"mailto:SpanishTeam@pcfcu.org\"  >Env\u00edanos un mensaje<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__disclosures\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Disclosures<\/h2>\n\t\t<dl class=\"co-disclosures--list\">\n\t\t\t\t\t\t\t<div class=\"co-disclosure\">\n\t\t\t\t\t<dd class=\"co-disclosure--desc\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"text-component\"><p>IRA Certificates are available for all terms excluding Save to Win Certificate and Specials.<\/p>\n<p>*Wherever $500 is stated, $100 applies for Members 0-23 years of age.<\/p>\n<p>Rates and terms are subject to change without notice. All rates quoted refer to Annual Percentage Yield (APY). Earned dividends are paid on entire balance in the account. Accounts, other than certificates, must remain open to the end of the dividend period to be paid dividends. Fees and charges may apply (and may reduce earnings) on the above accounts, please refer to the Fee Schedule for details. The Dividend Rate and Annual Percentage Yield may change monthly as determined by the Credit Union\u2019s Board of Directors. Dividends are paid from current income and available earnings after providing for the required reserves and cannot be guaranteed. The Dividend Rates and Annual Percentage Yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Dividends will begin to accrue on the business day the deposit is made to your account. You may make unlimited withdrawals or transfers in person, by mail, or at an automated teller machine, or by telephone with a check mailed to you. NCUA \u2013 Your savings insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency.<\/p>\n<\/div>\t\t\t\t\t<\/dd>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/dl>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__testimonial\" ><div class=\"co-flex_row--row co-row\">\t<div class=\"co-testis co-testis__no_image co-testis__green\">\n\t\t\t\t<div class=\"co-testi gap-y-lg:0 co-testi__no_image\">\n\t\t\t\t\t\t\t\t\t<blockquote class=\"co-testi--quote co-testi--quote__center\">\n\t\t\t\t<div class=\"co-testi--quote_text text-component\">\n\t\t\t\t\t<p>After they worked with me, I now feel like I am being an adult, I have a savings account, and I am prepared for emergencies.<\/p>\n\t\t\t\t<\/div>\n\t\t\t\t<cite class=\"co-testi--attr\">\n\t\t\t\t\tDana, Belfair\t\t\t\t<\/cite>\n\t\t\t<\/blockquote>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-2563","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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