Every Personal Savings Account Includes Free
Instant Issue
ATM/Debit Card
Online Banking
and Bill Pay
Mobile Banking and
Mobile Check Deposit
Electronic Statements
with Check Images
ATM Transactions
within Networks
DISCLOSURES
Minimum opening deposit is $5. Interest rates are subject to change without notice. Other fees may apply, see current fee schedule for details. See a Member Service Representative for further details. Account opening subject to approval.
Account Options
Basic Savings
The easiest and most convenient way to start putting away your money.
- Establish a membership at and ownership in People’s Credit Union by opening a Basic Savings Account
- The Basic Savings Account requires $5 to open
- You earn interest and pay no monthly service charge
Certificates of Deposit
We offer a variety of terms ranging from 3 months to 5 years.
- A Certificate of Deposit allows for greater flexibility and guaranteed interest over the term of the deposit*
- Most Certificate of Deposit accounts can be opened with as little as $500.00
How to Open
You can open our 7-month, 9-month, 10-month and 18-month CDs online. To open other terms, please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
DISCLOSURE
Penalties for early withdrawal apply. See a branch representative for details.
Individual Retirement Accounts (IRAs)
We offer two different IRAs:
- IRA Statement Account
- IRA Certificate of Deposit
We also offer the Roth IRA and the Education IRA which both feature tax-free withdrawals.
How to Open
Please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
Save myChange™
Save myChange ™ is a debit card round-up feature on a checking account linked to a savings account. When you use your debit card to make a purchase the transaction amount is rounded up to the nearest dollar and your “change” is transferred into your Save myChange™ savings account. Saving is easy and you also earn a market-leading rate on your savings account.
How to Open
Please contact our Member Service Center for more information or visit one of our six locations to open your account today.
Phone: 800.498.8930
Email: [email protected]
Personal Money Market
A tiered interest rate savings account getting you the most out of your money.
- Enjoy the benefits of a high interest savings account and low activity checking account all in one
- You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield
How to Open
Please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
Max Yield Money Market
Our Max Yield Money Market™ is a tiered rate account that can take your savings to the next level. As your balances move higher, so do your returns.
To open a new Max Yield Money Market™ account, you must currently have a Max Yield Checking™ account. If you don’t already have one, we’ll help you open it.
- Enjoy the benefits of a high interest savings account and low activity checking account all in one
- You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield
How to Open
Please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
Holiday Club
The best way to prepare throughout the year for your holiday spending needs.
- Enjoy a stress-free holiday season with the ease of knowing you won’t break the bank
- For as little as $1.00 you can open a Holiday Club Account and earn interest at the end of the club term^ and pay no monthly service charge
- Your funds will be paid out in October, just in time to start your holiday shopping
How to Open
Please call our Member Service Center at 800.498.8930 for more information or visit one of our six locations to open your account today.
Still Undecided? Start Here.
Financial
Calculators
Our convenient financial calculators can help you make more informed decisions.
How much do I need to save for college?
This calculator computes the amount you need to save each month in order to pay for college.
How much will I need to save for a major purchase?
This calculator computes how much money you will need to save monthly in order to reach a desired savings goal.
How much should I save each month?
Use this calculator to compute the monthly deposit amount needed to reach a savings goal.
What rate would I need to earn on my savings?
Use this calculator to compute the rate of return you would need to reach your savings goal.
What savings amount should I start with?
Use this calculator to compute how much money you would need to start with to reach a savings goal.
How much could I save over time?
Use this calculator to compute the total amount you would be able to save with monthly deposits.
Related Products
Frequently Asked Questions
What can we help you with today?
Yes, at People’s Credit Union your deposits are insured. Federally chartered credit unions are regulated by the National Credit Union Administration and insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, NCUSIF is similar to deposit insurance coverage provided by the Federal Deposit Insurance Corporation. For more information on how your deposits are insured please visit https://www.mycreditunion.gov/share-insurance
If you are an existing member, you can open an additional deposit account through your online banking profile. Once you log in navigate to the Open an Account tab and follow the flow to complete the account opening process. Your new account can be funded with either an existing People’s Account or a linked external account.
To access your statements online for downloading or printing, you would sign into your online banking profile on a desktop or laptop to access the full site. Once logged in, you would navigate to the “Accounts” header and select “Statements & eDocuments”. Once on that page, you would select the desired account and follow the prompts to enroll in estatements or to view your statement if previously enrolled.
To remove a signer from your account you can visit us at one of our six convenient locations.
A signer can only be removed from a joint personal account in the event the signer has passed away. We must be provided with an original death certificate to proceed with this request.
If you are seeking to remove a joint owner/signer from a personal account other than in the above scenario, the account must be closed and a new account opened. This is to ensure that the removed owner/signer no longer has access to the account number, checks, or other access devices.
Business members may add or remove authorized signers as needed with proper documentation.
Rates
Active as of 12.21.2024
Personal Saving Accounts
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | APY* | How to Open |
|---|---|---|---|---|
| Save myChange** | $5.00 | $5,000.00 | .05% | Contact Us |
| $0.01 | .50% | |||
| Basic Savings | $5.00 | $0.01 | .05% | Open Now |
| Personal Money Market*** | $2,500.00 | $75,000.00 | .25% | Contact Us |
| $50,000.00 | .15% | |||
| $25,000.00 | .10% | |||
| $2,500.00 | .05% | |||
| Max Yield Money Market**** | $2,500.00 | $500,000.00 | 3.00% | Contact Us |
| $50,000.00 | 3.00% | |||
| $2,500.00 | 3.00% | |||
| Individual Retirement Statement Savings | $100.00 | $100.00 | .05% | Contact Us |
| Holiday Club Savings | $1.00 | $0.01 | .05% | Contact Us |
DISCLOSURES
Interest Rates are subject to change without notice after account opening. Annual Percentage Yield (APY) subject to change without notice after account opening. Fees could reduce the earnings on selected accounts listed above.
**Must conduct 4 debit transactions per statement cycle in associated checking account to earn the higher rate. Otherwise, the rate will be calculated using the lowest tier.
***Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY).
****Must maintain a minimum daily balance of $2,500.00 to avoid the $10.00 service charge and to obtain the disclosed Annual Percentage Yield (APY). Must have an active Max Yield Checking Account to obtain the higher rate of interest. If the checking is closed at anytime of the month, the account will pay the current Personal Money Market rate of interest.
Certificates of Deposit
| Term | Minimum to Open | Minimum Daily Balance to Earn APY | APY* | How to Open |
|---|---|---|---|---|
| 3 Months | $500.00 | $500.00 | .10% | Contact Us |
| 6 Months | $500.00 | $500.00 | 3.75% | Contact Us |
| 7 Months | $500.00 | $500.00 | 4.50% | Open Now |
| 9 Months | $500.00 | $500.00 | 3.00% | Open Now |
| 10 Months | $500.00 | $500.00 | 4.00% | Open Now |
| 12 Months | $500.00 | $500.00 | 3.00% | Contact Us |
| 15 Months | $500.00 | $500.00 | 3.25% | Contact Us |
| 18 Months | $500.00 | $500.00 | 3.51% | Open Now |
| 24 Months | $500.00 | $500.00 | .35% | Contact Us |
| 30 Months | $500.00 | $500.00 | .40% | Contact Us |
| 36 Months | $500.00 | $500.00 | .45% | Contact Us |
| 48 Months | $500.00 | $500.00 | .55% | Contact Us |
| 60 Months | $500.00 | $500.00 | .65% | Contact Us |
DISCLOSURES
Interest Rates are subject to change without notice and offer may be withdrawn at any time.
*Annual Percentage Yield (APY) are accurate as of the date reflected above. APY assumes principal and interest remain on deposit for the term of the certificate. Minimum to open a Certificate of Deposit (CD) or earn APY is $500. All CDs are available for Individual Retirement (IRA) deposits. Fees could reduce the earnings. A penalty will be imposed for early withdrawal. We offer two (2) penalty free withdrawals on all new and rollover CD’s, penalty will apply if withdrawal is taken in the first week after opening. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor.
