CDs & IRAs

A prime way to earn higher dividends

FLASH SALE

4.00% APY 13-Month Certificate*

Learn More

*Annual Percentage Yield (APY) reflects dividend rate of 4.01% with dividends credited and compounded at maturity. Offer valid 06/02/2025 – 06/07/2025. Penalty for early certificate withdrawal. Fees may reduce actual earnings. Minimum opening deposit: $250. Membership eligibility required. Federally insured by NCUA.

A Certificate empowers you to save confidently on your terms.

Traditional Certificate

Earn higher dividends when you commit to longer savings terms.

Roth IRA Certificate

Contribute after-tax dollars and enjoy tax-free growth for retirement. Learn more about Roth IRA contributions and distributions on the Internal Revenue Service (IRS) website.2

Traditional IRA Certificate

Contribute pre- or after-tax dollars and enjoy tax-deferred growth for your retirement savings. Learn more about Traditional IRA contributions and distributions on the Internal Revenue Service (IRS) website.2

Coverdell Certificate

Contribute after-tax dollars and enjoy tax-free growth for qualified education expenses. Learn more about Coverdell contributions and distributions on the Internal Revenue Service (IRS) website.2

Term Rate APY2 Min. Required to Earn Stated APY2
2 Month3,4 0.75% 0.75% $250
3 Month3,4 0.75% 0.75% $250
6 Month5 1.00% 1.00% $250
6 Month3 1.00% 1.00% $250
12 Month3 2.00% 2.00% $250
12 Month (Automatic Deposit)5,6 2.00% 2.00% $250
18 Month7 2.00% 2.02% $250
24 Month7 2.50% 2.53% $250
30 Month7 2.60% 2.63% $250
36 Month7 2.75% 2.79% $250
48 Month7 2.85% 2.89% $250
60 Month7 3.00% 3.04% $250
Rate Match Ask Us Ask Us $250
Effective Date: May 21, 2025

IRA Share5

Rate APY2 Min. Required to Earn Stated APY2
.03% .03% $0
Effective Date: May 21, 2025
Membership eligibility is required.
1: APY is "Annual Percentage Yield". Rate(s) effective as of date indicated by table. Fees may apply and reduce earnings. View Truth in Savings disclosure for full details.
2: Prime Financial Credit Union does not offer tax advice. Consult your tax advisor.
3: Dividends compounded and paid at maturity.
4: Share Certificate only.
5: Dividends compounded and paid monthly.
6: Certificate requires a $50 minimum monthly recurring auto-transfer deposit from another PFCU account. $25,000 maximum balance.
7: Dividends compounded and paid quarterly.

Open a Certificate today!

Features & Benefits

Dividends up to 

3.04%

APY1

Automatic Renewal Options
Flexible Dividend Posting
Low Minimum Balance
Tax Benefits
With Select Account Types
Federally Insured by NCUA
Member Story

"The reason for my loyalty is simple... Prime has the best rates in town, the staff is always friendly, and they know me by first name."

Empowering you during every financial decision

Online Banking Services

Open Online Anytime, Anywhere
Blog

Find helpful tips and answers in the Prime Financial Credit Union blog
FAQs

For all your questions