Certificates

Your financial strategy likely involves a mixture of options with varying degrees of risk. When you’re balancing your portfolio, consider The Police Credit Union’s Certificates as a steady investment with terms that ensure your money’s liquidity. We help police officers and law enforcement members in California diversify their savings.

You also can use The Police Credit Union’s Certificates to create a “ladder” strategy in which your Certificates’ terms mature every month to provide extra income if you need it, or allow you to re-invest if you don’t. Get started today for as little as $500.

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Features & Benefits

Terms range from 3 months to 5 years
Guaranteed rate of return for the term
No monthly service or maintenance fees

2-Year Bump-Up Certificate

Earn 4.154% APY¹ (4.07%)
One time bump allowed during the account term
Only $500 to open
Upon maturity, rolls into 2 Year Certificate
New money only**
Not available for IRA Certificates

18 Month Certificate Special

Earn 3.930% (4.008% APY*)
In today’s volatile rate market, enjoy a highly competitive rate, with the peace of mind that your funds are insured
Only $500 minimum to open
Fast and easy online opening
Certificate rolls into 24-month Certificate upon maturity

Certificates

Rates Effective: March 8, 2023

Account	Minimum	Term	Dividend Rate	APY
3 Mo. Certificate	$500	3 Months	0.75%	0.753%
6 Month Certificate	$500	6 Months	2.25%	2.275%
1 Year Certificate	$500	12 Months	3.50%	3.562%
2 Year Certificate	$500	24 Months	3.85%	3.925%
3 Year Certificate	$500	36 Months	2.96%	3.004%
4 Year Certificate	$500	48 Months	2.96%	3.004%
5 Year Certificate	$500	60 Months	3.00%	3.045%
Special 18-Month Certificate	$500		3.930%*	4.008%*
2-Year Bump-Up Certificate (New Money Required**)	$500	>730 days	4.07%	4.154%¹

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*APY (Annual Percentage Yield) effective as of 03/08/2023 for a special 18 month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 18 months. A minimum opening deposit of $500 is required to obtain the promotional APY. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain the promotional APY. Once opened, no add-on amounts to the account during the term are allowed. At maturity, unless otherwise indicated, the balance of the Certificate will automatically roll-over into a regular Certificate at the rate currently in effect for a 24 month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

¹APY (Annual Percentage Yield) effective starting 2/17/2023 and subject to change at any time. IRA Certificates are not eligible. Membership required. Not available for corporate accounts. The bump-up option and promotional rate are only available on Certificates for a term of 24 months. A minimum opening deposit of $500 is required. Early withdrawal penalties will be imposed. Deposit balances must be maintained to maturity to obtain promotional APY. Once opened, no add-on amounts to the account during the term are allowed. Terms and conditions are subject to change without notice. This Credit Union is federally insured by the National Credit Union Administration.

**Rate requires new money to open. New money is defined as funds that have not been on deposit with The Police Credit Union for greater than 30 days.

Current Fee Schedule

Terms & Conditions: Rates/yields are subject to change. Fees could reduce earnings on the accounts. Certificates are available for the range of days stated above. The annual percentage yield and dividend rate assume that dividends remain on deposit until maturity. After the Certificate Account is opened, you may not make deposits or withdrawals into the account until the maturity date. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.