Features & Benefits
Terms range
from 3 months to 5 years
Guaranteed rate of return
for the term
No monthly fees
You won't be charged for monthly service or maintenance
2-Year Bump Up Certificate
- Earn 3.562% APY1 (3.50%)
- 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
9-Month Certificate Special
- Earn 4.341% APY2 (4.25%)
- 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 12-month Certificate upon maturity
18-Month Certificate Special
- Earn 4.341% APY3 (4.25%)
- 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
Explore all of our Certificate rates.
Think Only a Big Bank Offers the Best Rates?
Take a closer look at The Police Credit Union! When it comes to getting the best value, our great rates make the decision easy.
| Financial Institution | 6-Month Certificate APY | 12-Month Certificate APY | 18-Month Certificate APY |
|---|---|---|---|
| The Police Credit Union | 4.320%* | 3.562%* | 4.341%* |
| Bank of America | 0.03%** | 0.03%** | 0.03%** |
| Wells Fargo | 2.00%** | 1.01%** | N/A** |
| CAHP Credit Union | 4.05%** | 4.75%** | N/A** |
| SF Fire Credit Union | 3.50%** | 3.50%** | 0.20%** |
| Monterra Credit Union | 1.00%** | 2.00%** | 2.25** |
What our members are saying
I've been a Police Credit Union member for three decades. I'm proud to be part of an institution that stands behind our men and women in uniform. In addition to providing excellent loan rates, The Police Credit Union has the best service online or in person.
Asad S.
My entire family has utilized the variety of different services offered at the credit union from checking, savings, loans, and home mortgages. We love the people who work there and their services they provide.
Jerry N.
Certificate FAQs
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What is a Certificate of Deposit?
A Certificate is an account that allows you to deposit a certain amount of money for a fixed period of time at a specified interest rate. When you open a Certificate, you agree to leave your money in the account for a predetermined period (term), which can range from a few months to several years. In return, the credit union pays you interest on your deposit.
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What is the minimum balance required to open a Certificate?
The minimum deposit to open an account is $500.
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Are there any monthly fees associated with a Certificate?
There are no monthly service fees or charges associated with our Certificate accounts, but there may be penalties for early withdrawal.
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Are Certificates insured?
Yes, your funds are insured by the National Credit Union Administration (NCUA) up to at least $250,000 per account owner.
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Do I need to be a member to open a Certificate?
Yes, but you can open your Certificate at the same time you establish your membership using our convenient online application.
Certificate account support and tools right at your fingertips.
Why choose The Police Credit Union for your Savings Account?
No Monthly Fees
You won't be charged monthly service or maintenance fees for your account.
Peace of Mind
Your deposits are federally insured by the National Credit Union Administration.
Direct Deposit
Take advantage of free Direct Deposit and payroll deductions.**
We're Here to Help
Other ways to connect with us
Call us at 800.222.1391 or find a branch location by clicking the button below.
Our LocationsMeet 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 BranchVirtual Branch Hours: Monday - Friday: 10:00 a.m. - 5:00 p.m. PST, Saturday: 9:00 a.m. - 12:00 p.m. PST, 12:30 p.m. - 3:00 p.m. PST
1APY (Annual Percentage Yield) effective as of 9/24/2024 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.
2APY (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.
3APY (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.
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 may be an early withdrawal penalty if you withdraw any of the funds before the maturity date. Eligibility restrictions, terms and conditions apply, and are subject to change without notice. See About Your Accounts or contact a Member Service representative for more details and information.
*APY (Annual Percentage Yield) effective as of 9/24/2024, rates subject to change. A minimum opening deposit of $500 is required. 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. 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. Federally insured by the National Credit Union Administration.
**Competitor APY (Annual Percentage Yield) are based on latest rates available as listed on each Financial Institutions websites as of 10/15/2024 and are subject to change.
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.
