Certificates of Deposit
Certificates of Deposits (CDs) are a great way to build financial security for you and your family. You'll find a wide range of CDs at PCU, each designed to provide the kind of savings to fit your financial goals.
Fixed Rate CDs
Fixed rate CDs are a safe, secure means of obtaining a good return on your investment. Here you'll find a wide range of terms offering competitive rates. The rate in effect when you open the CD is guaranteed for its full term. Plus, qualifying members can take advantage of a special CD rate bonus based on benefits earned as part of Member Merits.*
The minimum opening balance for all CDs is $1,000. Certificates are automatically renewable and interest earned can be added back to the CD or credited to your account. If you are a current member, you can open a CD online.
Variable Rate CDs
PCU offers two special Variable Rate CD terms of 36 and 60 months at competitive rates. When you invest in these Variable Rate CDs, you have nothing to lose and even more to gain. After the issue date, the rate may adjust twice during the term which is divided into three equal periods. The rate adjusts to current rate for like fixed rate certificate term less a margin on the anniversary date of each subsequent period. The rate may increase or decrease however it will never be lower than the rate earned on the date the CD was opened. If you are a current member, click here to open a CD online.
Youth Group CDs
All members of the Credit Union's youth groups – Junior Account Program, Financial Youth Group and Young Adult Financial Group – are eligible to open a CD with a minimum balance of $500. All youth groups CDs have the same terms and features as our CDs described above.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government National Credit Union Administration, a U.S. Government Agency.
*St. Louis market rates as reported in Money Monitor by BancAnalytics (March 2017) and include Member Merits Gold rates offered to households with combined loan and/or deposit balances of $25,000 or more.