Deposit Rates

Certificate of Deposit Rates

Certificate RatesMinimum Balance Required
Annual Percentage RateAnnual Percentage Yield
3 Month CD
IRA CD
$1,000.00
$1,000.00
0.10%
0.10%
0.10%
0.10%
6 Month CD
IRA CD
$1,000.00
$1,000.00
0.25%
0.25%
0.25%
0.25%
9 Month CD
9 Month Jumbo
IRA CD
$1,000.00
$50,000.00
$1,000.00
0.30%
0.40%
0.30%
0.30%
0.40%
0.30%
1 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.50%
0.60%
0.50%
0.50%
0.60%
0.50%
Youth CD$500.000.60%0.60%
15 Month CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.60%
0.60%
0.60%
0.60%
0.60%
0.60%
18 Month CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
2.08%
2.18%
2.08%
2.10%
2.20%
2.10%
2 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
0.90%
1.00%
0.90%
0.90%
1.00%
0.90%
3 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
1.25%
1.35%
1.25%
1.26%
1.36%
1.26%
4 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
1.35%
1.45%
1.35%
1.36%
1.46%
1.36%
5 Year CD
Jumbo CD
IRA CD
$500.00
$50,000.00
$500.00
1.75%
1.85%
1.75%
1.76%
1.87%
1.76%
Rates are subject to change without notice.
Dividends are paid monthly and calculated from day of deposit to day of withdrawal.

Traditional / Roth Club IRA Rates

Traditional / Roth Club IRA RatesAnnual Percentage RateAnnual Percentage Yield
IRA & HSA Shares0.50%0.50%
Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.

Diamond Money Market Account Rates

Diamond Money Market AccountsMinimum Balance RequiredAnnual Percentage RateAnnual Percentage Yield
Tier 1$25,000.00 >0.30%0.30%
Tier 2$10,000 - $24,999.990.25%0.25%
Tier 3$2,500.00 - $9,999.990.20%0.20%
If your Diamond Money Market Account falls below the minimum $2,500 balance, you will be assessed a $20 fee; and no interest will be paid for each month that the account balance remains below the minimum. Rates subject to change without notice. Dividends are paid monthly and calculated from day of deposit to day of withdrawal.

Share, Draft, and Club Rates

Diamond SavingsAnnual Percentage RateAnnual Percentage Yield
$7,500.000.50%0.50%
Dividends are paid monthly and calculated from day of deposit to day of withdrawal.
Regular SharesMinimum Balance RequiredAnnual Percentage RateAnnual Percentage Yield
Tier 1$1,000.00 >0.25%0.25%
Tier 2$500.00 - $999.990.10%0.10%
Tier 3$100.00 - $499.990.05%0.05%
Tier 4$0.01 - $99.990.00%0.00%
Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.
Club SharesAnnual Percentage RateAnnual Percentage Yield
Youth Club0.10%0.10%
Club For (Misc. Future Expenses) Accounts0.05%0.05%
Vacation Club0.05%0.05%
Payroll Club0.05%0.05%
Christmas Club (paid annually October 31)0.05%0.05%
Dividends are paid quarterly and calculated from day of deposit to day of withdrawal.
Ultimate Checking *Minimum Balance RequiredAnnual Percentage RateAnnual Percentage Yield
Tier 3$10,000+1.00%1.00%
Tier 2$500.00 - $9,999.993.00%3.04%
Tier 1$0.01 - $499.993.00%3.04%
* To receive 3.04% APY on your Ultimate Checking do the following each monthly qualification cycle:
  1. Make 10 debit card purchases of a minimum of $20 each
  2. Use PCCU's Online Banking (at least one log in)
  3. Receive e-Statements
  4. Receive 1 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. Plus, you get a base 0.10% APY** and you get right back to making 3.04% APY the next cycle you qualify.

* Dividends paid monthly. APY is based on the average daily balance on your PCCU checking account.
** Base Checking rates: $0 - $499.99: 0%, $500 and above: 0.10% APY