Deposit Rates

 Dividend RateAPY*Minimum Opening BalanceMinimum Balance for APY*
PNCU Perks Checking Account
Balances between $0.01 to $10,000.000.74%0.75%$25.00$0.01
Portion over $10,000.000.05%0.75%-0.05%**$25.00$10,000.01
Cost Less NOW Account0.05%0.05%$25.00$10.00
Teen NOW Account0.05%0.05%$25.00$10.00
*Annual Percentage Yield (APY), effective August 1, 2019. The Dividend Rate is paid on the entire balance in your account.
**Blended Annual Percentage Yield of 0.40% on a balance of $20,000.00. The APY ranges depending on the balance in the account. A lower APY will be realized for balances over $20,000.00.
 Dividend RateAPY*Minimum Opening BalanceMinimum Balance for APY
Perks Savings
Balances up to $1,000.003.00%3.09%
Balances between $1,000.01 and $2,000.002.00%3.09% - 2.57%
Balances between $2,000.01 and $3,000.001.00%2.57% - 2.05%
Balances $3,000.01 and over.10%2.05% - .10%
Statement Savings0.10%0.10%$25.00$10.00
Teen Statement Savings0.10%0.10%$25.00$10.00
Youth Statement Savings0.10%0.10%$25.00$10.00
Christmas Club0.10%0.10%$5.00$10.00
All Purpose Club0.10%0.10%$5.00$10.00
Money Market0.10%0.10%$1,000.00 $1,000.00
IRA Money Market0.10%0.10%$10.00$10.00
Premium Money Market
$1,000 - $24,999.990.15%0.15%$1,000.00 $1,000.00
$25,000 - $74,999.990.20%0.20%$1,000.00$25,000.00
$75,000 - $99,999.990.25%0.25%$1,000.00$75,000.00
$100,000 - $149,999.990.35%0.36%$1,000.00$100,000.00
$150,000 + above0.40%0.41%$1,000.00$150,000.00
*Annual Percentage Yield (APY), effective August 1, 2019. The Dividend Rate is paid on the entire balance in your account.
**Blended Annual Percentage Yield of 0.40% on a balance of $20,000.00. The APY ranges depending on the balance in the account. A lower APY will be realized for balances over $20,000.00.
 TermDividend RateAPY*
Term Share3 months0.10%0.10%
6 months0.35%0.36%
12 months0.40%0.41%
18 months0.50%0.51%
24 months0.70%0.71%
36 months1.00%1.02%
48 months1.15%1.17%
60 months1.50%1.53%
*Annual Percentage Yield (APY), effective November 6, 2019. The Dividend Rate is paid on the entire balance in your account. The minimum balance to open a Term Share account is $500.00. The minimum balance to earn the stated APY for a Term Share account is $500.00. Not eligible for IRAs. Available for individuals only. Maximum deposit or balance per account for this special is $250,000.00. A penalty may be imposed for early withdrawal. Compounds daily. Fees could reduce earnings. Contact a Credit Union representative for additional information about applicable fees and terms. Offer can be rescinded at any time.
 TermDividend RateAPY*
Term Share IRA12 months0.40%0.41%
18 months0.50%0.51%
24 months0.70%0.78%
36 months1.00%1.02%
48 months1.15%1.17%
60 months1.50%1.53%
*Annual Percentage Yield (APY), effective November 6, 2019. The Dividend Rate is paid on the entire balance in your account. The minimum balance to open an IRA Term Share account is $250.00. The minimum balance to earn the stated APY for an IRA Term Share account is $250.00. Available for individuals only. Maximum deposit or balance per account for this special is $250,000.00. A penalty may be imposed for early withdrawal. Compounds daily. Fees could reduce earnings. Contact a Credit Union representative for additional information about applicable fees and terms. Offer can be rescinded at any time.

Your Deposits are Insured in Full

The Credit Union is federally insured by NCUA. Additional insurance is provided by MSIC. Learn more about deposit insurance.

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Important Notice - As of Monday, November 18, 2019 our Exchange Street branch will no longer be open Thursday, Friday or Saturday.