A prime way to earn higher dividends

Bring Your Money Home

4.40% APY 13-Month Certificate*

Your deposits stay local, helping support people and opportunities throughout the community we share. Save with purpose. Earn more along the way.

*APY = Annual Percentage Yield. 4.40% APY; 4.41% dividend rate. Rates effective: 8/17/2026. $500 minimum opening deposit required. New funds only. Rate and APY are fixed for the 13-month term. A penalty equal to 90 days’ dividends will be imposed for early withdrawal. Fees could reduce earnings. Additional deposits are not allowed. At maturity, the certificate will automatically renew for a 12-month term at the rate then in effect unless otherwise instructed; a 10-day grace period applies. Limited-time offer may be discontinued at any time and without notice. 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 Month^3,4	0.75%	0.75%	$250
3 Month^3,4	0.75%	0.75%	$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: August 19, 2026

IRA Share⁵

Rate	APY²	Min. Required to Earn Stated APY²
.03%	.03%	$0

Effective Date: August 19, 2026

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!

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

Certificates & IRAs

Bring Your Money Home

4.40% APY 13-Month Certificate*

Your deposits stay local, helping support people and opportunities throughout the community we share. Save with purpose. Earn more along the way.