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Savings Accounts • Minimum balance is only $25.00 for membership par value into PCCU • Dividends paid quarterly. There is a $4 fee per withdrawal after six withdrawals including preauthorize, automatic, or telephone transfer. Grow your savings with every debit card purchase • Free • Must enroll online or in branch • PCCU will round up all your debit card purchases to the nearest dollar amount, • For example, if you spend $20.85, we’ll charge your debit card $21.00 and put $.15 in your savings Diamond Savings • Minimum to open $7,500.00 • If Balance falls below $7,500.00, no interest is earned, and a $10 monthly fee is assessed until the balance returns to the minimum. • No checking/debit card access Diamond Money Market Account • A minimum investment of $2,500 is required to earn dividends • Dividends are paid on three separate tiers • Dividends are paid monthly and are calculated from day of deposit to day of withdrawal • Checking access • If Balance falls below $2,500.00, no interest is earned, and a $20 monthly fee is assessed until the balance returns to the minimum • You are limited to six withdrawals and/or transfers from your savings account each monthly statement cycle by pre-authorized transfer, or telephone/PC transfer (including bill payments). Now all six may be by check. Miscellaneous Club • Club Accounts can be set up for any savings need you have • Title your account after what you're saving for: "vacation", "taxes", "bills", etc. • Dividends are paid quarterly • No withdrawal restrictions Christmas Club • Christmas clubs can be established any time during the year, as well as deposits made at your convenience • If you choose to withdraw early, the total balance must be withdrawn and you will not be paid dividends on the account • Dividends pay out on November 1 and the balance of your Christmas Club account is transferred into your share account • Christmas Club accounts closed before October 31 will not be paid dividends • If you have chosen to close an account before October 31 you may reopen a new account but will only be paid dividends on the new account balance from the open date to the following October 31 Share Certificate of Deposit • 3 month to 5 year terms available • Jumbo Share Certificates offered on terms of 9 months and above. The rates on the Jumbo Share Certificate's are higher than that of the regular share certificates • Dividends are paid monthly and are calculated from day of deposit to day of withdrawal • Dependent upon the length of investment you will incur a 30 or 90 day interest penalty on early withdraw. If your share certificate is invested for less than one year you will incur a 30 day interest penalty. If your maturity is for one year or more you will incur a 90 day penalty. Individual Retirement Accounts • Traditional and Roth IRA's available • Club accounts: no minimum balance required, dividends paid quarterly • Term certificates: various minimum balances available, dividends paid monthly • Early withdrawal penalties may apply
*To receive up to 3.04% APY do the following each monthly qualification cycle: 1) Make ten debit card purchases of a minimum of $20 each 2) Use PCCU's Online Banking 3) Receive e-Statements 4) Receive at least one direct deposit If you miss a monthly qualification cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. You will also enjoy: • No Service Fees • No Minimum Balance • No Per Check Charge • No Per Deposit Charge • Pays dividends monthly • Tiered dividends
PCCU has made it easy with one PC Checkcard that works as an ATM and Debit card all in one. The PCCU Visa Check Card works like a check... only better! Just swipe your card, sign the receipt, and go. Funds are withdrawn directly from your checking account. It's faster and safer than cash or checks and is accepted at millions of locations worldwide. Your Visa Check Card also doubles as an ATM card. Alliance One and MoneyPass are part of PCCU's ATM Access group and allows our members to use other ATM's in the Alliance and MoneyPass network without a surcharge.
• Teach your children how to save for their future early by enrolling them in the Super Saver Club at PCCU. • A fun and exciting way for children to save for the future • Any child, eligible for PCCU membership, age 12 or younger can be enrolled. • Earn rewards and prizes for saving by stopping in at your local PCCU branch.
The Super Saver Account • Super Saver Club kids are eligible to open a Super Saver account which earns higher interest on balances. (Once the child turns 13 you will be notified that these funds will be transferred to the child's regular share account.) If you are not currently a PCCU member, be sure to bring: • Your social security number and birth certificate
Teen Accounts If you are not currently a PCCU member and would like to join, please be sure to bring to the branch: • Your social security number and birth certificate • $25 for the Credit Union membership fee • Your parent or guardian if you are under the age of 18 Teen Money Management PCCU offers Dave Ramsey's nationally syndicated "Foundations" which is the premier curriculum for teaching money management to high school and college students. In 2009 we facilitated the "Foundations" money management classes to teens at Hagerstown High school and Lincoln High school. We are always looking for additional classrooms to provide the "Foundations" curriculum. The program is FREE of charge and includes a workbook for each student, a dynamic learning environment with video lessons, and hands on activities. For more information about starting this program in your school or as an after school program, please contac: Kim Welch, PCCU Education & Development Director, at 993-3069 or kwelch@pccu.com. |
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