Share Certificates
Certificates of Deposit
NCUA Insurance
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the US Government.
Share Certificates of Deposit
Earn more with flexible certificates.
Tired of big bank certificate rates that earn almost nothing? Try the alternative — a P&S Credit Union Certificate that gives you the returns you deserve. Pick your maturity date and start earning today!
The benefits of a P&S Credit Union Share Certificate Account:
- Lock in a great rate!
- Low minimum deposit of only $500
- Certificates automatically renew
- Dividends compounded quarterly, paid at maturity
- Deposit is insured up to $250,000 by NCUA
- Flexible maturity dates - choose terms from 6 to 60 months
- You may incur a penalty should you choose to withdraw before completion of the term
One-Time Bump Share Certificate
Even more flexibility with "Bump Certificates"
With terms from 6 months to 5 years and a minimum deposit of $500. If the rate increases during the term of the certificate you can bump to a higher rate!
The benefits of a P&S Credit Union One-Time Bump Share Certificate Account:
- Low minimum deposit of only $500
- 6 months to 5 year terms*
- One time bump during the term of the certificate**
- Dividends compounded quarterly, paid at maturity.
- Deposit is insured up to $250,000 by NCUA.
*The One-Time Bump Share Certificate is not automatically renewed. At the maturity the certificate will renew to a Regular Certificate with the same term as the original, without the one-time bump option unless it is withdrawn within the 10-day grace period after it matures. You may incur a penalty on dividends should you choose to withdraw your money before the completion of the term.
**The certificate is allowed a one-time dividend rate increase (bump) which must be requested by the account owner. When the request is made by the account owner the rate will change to the current rate of the Regular Certificate of the same term length.
Open a Share Certificate of Deposit!
Please email memberservices@pandscu.org, call the credit union at: (801) 973-0575, or visit our office.