Skip to main content

Savings Account Rates

Rates effective: May 1, 2024

Expand All
  • Certificates

     

    Account Term Rate APY Minimum
    3 Month Certificate 3 Months 2.96% 3.004% $500
    6 Month Certificate 6 Months 4.00% 4.081% $500
    1 Year Certificate 12 Months 4.25% 4.341% $500
    2 Year Certificate 24 Months 4.00% 4.081% $500
    3 Year Certificate 36 Months 3.50% 3.562% $500
    4 Year Certificate 48 Months 3.75% 3.821% $500
    5 Year Certificate 60 Months 3.75% 3.821% $500
    Special 9 Month Certificate   4.25% 4.341%1 $500
    Special 18 Month Certificate   4.25% 4.341%2 $500
    2 Year Bump Up Certificate >730 days 4.00% 4.081%3 $500
    Horizontally scroll the table to see more

     

    Current Fee Schedule

    1APY (Annual Percentage Yield) effective as of 2/27/2024 for a special 9-month regular Certificate. Membership required. Not available for corporate accounts. This promotional rate offer is available for 9 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 12-month Certificate. Terms and conditions are subject to change without notice. For full terms and conditions visit thepolicecu.org.

    2APY (Annual Percentage Yield) effective as of 2/27/2024 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.

    3APY (Annual Percentage Yield) effective as of 2/27/2024 and subject to change at any time. IRA Certificates are not eligible. 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. 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.

    Certificate Terms and Conditions: Accounts are available for the range of days stated above. The APY assumes 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. Early Withdrawal Penalty: is based on the term of the account and assessed according to the following schedule: For 1-12 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 30 days of dividends. For 24-36 month term Certificates: dividends earned for the number of days the Certificate is open up to a maximum of 90 days of dividends. For a 48 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 120 days of dividends. For a 60 month term Certificate: dividends earned for the number of days the Certificate is open up to a maximum of 180 days of dividends. Individual Retirement Account Certificates terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

  • Money Market Wealth Builder Account

     

    Balance Dividend Rate APY Term
    $2,500 - $14.999.99 0.05% 0.050% Open-Ended
    $15,000 - $49,999.99 0.75% 0.753% Open-Ended
    $50,000 - $99,999.99 1.25% 1.258% Open-Ended
    $100,000 - $149,999.99 1.50% 1.511% Open-Ended
    $150,000 - $249,999.99 1.75% 1.765% Open-Ended
    $250,000+ 1.98% 2.000% Open-Ended
    Horizontally scroll the table to see more

     

    Current Fee Schedule

    GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts for more information.

  • Smart Advantage Money Market

     

    Balance Dividend Rate APY Term
    $2,500 - $14.999.99 1.00%+ 1.005%+ Open-Ended
    $15,000 - $49,999.99 1.98%+ 2.000%+ Open-Ended
    $50,000 - $99,999.99 3.73%+ 3.800%+ Open-Ended
    $100,000 - $149,999.99 4.21%+ 4.300%+ Open-Ended
    $150,000 - $249,999.99 4.31%+ 4.404%+ Open-Ended
    $250,000+ 4.44%+ 4.540%+ Open-Ended
    Horizontally scroll the table to see more

     

    Current Fee Schedule

    +APY = Annual Percentage Yield. Smart Advantage Money Market: To qualify for the higher Rate, you must have a current checking account, be enrolled in E-statements at The Police CU and meet the following requirements each month: Make 5 or more PIN and/or signature point-of-sale transactions (excluding cash advances) posted during the current calendar month to your account using your Visa® Debit Card. Have $500 a month in qualifying direct deposits deposited to your checking account during the current calendar month. A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement. Starting with the calendar month following when you open your Smart Advantage Money Market account, and monthly thereafter, whether the account earns the variable Standard or Relationship Rate for the entire calendar month will be determined at the end of the month based upon the number of qualifying transactions or direct deposit requirement for that month's activities and the dividend is paid at that time. If there are changes to your checking account (it is closed, changed to a new account type or no longer: 1) receives qualified direct deposit or 2) enrolled in E-statements, the rate will change to those in effect at the time of the change.

  • Savings Accounts

     

    Dividend Rate APY Min. to Open Min. to Earn APY Term
    0.05% 0.05% $25 $25 Open-Ended
    Horizontally scroll the table to see more


    Current Fee Schedule

  • Tiered Savings

     

    Balance Dividend Rate APY Term
    $0 - $4,999.99 0.05% 0.05% Open-Ended
    $5,000 - $14,999.99 0.05% 0.05% Open-Ended
    $15,000 - $49,999.99 0.50% 0.501% Open-Ended
    $50,000 and over 1.00% 1.005% Open-Ended
    Horizontally scroll the table to see more

    Current Fee Schedule

    GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $2,500. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts for more information.

  • Youth Accounts: Cadet Club and Money Patrol

     

    Dividend Rate APY Min. to Open Min. to Earn APY Term
    0.05% 0.05% $25 $25 Open-Ended
    Horizontally scroll the table to see more

     

    Current Fee Schedule

    GENERAL TERMS & CONDITIONS: The minimum deposit to open an account is $25. Dividend rates and yields may change after you open your account. The Dividend Rate and Annual Percentage Yield are based on the entire daily balance of the account. Subject to withdrawal limitations. The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts  for more information.

  • IRAs

     

    Account Term Rate APY Minimum
    IRA Savings+ None 0.05% 0.05% $100
    1 Year  12 Months 4.25% 4.341% $500
    2 Year  24 Months 4.00% 4.081% $500
    3 Year  36 Months 3.50% 3.562% $500
    4 Year  48 Months 3.75% 3.821% $500
    5 Year  60 Months 3.75% 3.821% $500
    Horizontally scroll the table to see more

     

    Current Fee Schedule

    Individual Retirement Accounts are available for the range of days stated above. There is an early withdrawal penalty if you withdraw any of the funds before the maturity date. All terms and conditions are disclosed in our retirement account agreement and disclosure statement that will be provided to you when you open the account.

    The Annual Percentage Yield (APY) shown is accurate as of the last dividend declaration date, which is the last day of each month, unless otherwise noted. Rates/Yields are variable and subject to change without notice including after you open your account. Above anticipated rates are subject to availability of funds. Fees could reduce earnings on the accounts. Dividends will be compounded monthly and will be credited monthly. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day. Dividends will begin to accrue on the day you deposit cash or non-cash into the account if deposited before close of business. The dividend declaration date is the last day of each month .For additional terms and conditions, see About Your Accounts (pdf 267 kb) for more information.

It's easy to open a Savings Account online.

We're Here to Help

Member Services Representative in front of The Police Credit Union Logo
Other ways to connect with us

Call us at 800.222.1391 or find a branch location, by clicking the button below.

Our Locations

Meet with us virtually

Schedule an appointment or meet a member of our Virtual Branch team from your computer, laptop, or mobile device

Visit our Virtual Branch

Virtual Branch Hours
Monday - Friday: 10:00 a.m. - 5:00 p.m. PST
Saturday: 9:00 a.m. - 12:00 p.m., 12:30 p.m. - 3:00 p.m. PST

External Link Alert


You are leaving our website and linking to an alternative website not operated by us. The Credit Union does not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

The Credit Union is not liable for any failure of products or services advertised on those sites. Each third-party site may have a privacy policy different than the Credit Union; and the linked third-party website may provide less security than the Credit Union's website. If you click "OK", an external website that is owned and operated by a third-party will be opened in a new browser window. If you click "CANCEL" you will be returned to our website.

Continue

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, click the button below to submit a membership application.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.

Save time by logging in to Digital Banking


Already a member?

If you're a current member, log in to Digital Banking and click on Apply for an Account. Your personal information will automatically be filled in for you.

Not a member yet?

If you're new to The Police Credit Union, or prefer to start with a blank application, click the button below.