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Share Certificate & IRA Share Certificate Accounts

Secure, long-term savings with competitive earnings

If you're looking for secure, long-term savings with competitive earnings, a Share or Individual Retirement Account (IRA) Certificate from People First FCU is for you. With a certificate, you decide right up front how much to deposit and how long to keep it invested. Then, sit back and watch it grow.

Certificate Features:

  • Share Certificates or IRA Certificates
  • Minimum $500 opening deposit required
  • 6 to 60-month terms available
  • Earn competitive dividends monthly
  • Automatic renewal
  • Maturity notices mailed approximately 30 days in advance
  • Federally insured by the NCUA*

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Visit any one of our branches and a Member Service Representative will be happy to meet with you!

Share & IRA Share Certificates

TermAPY*Dividend Rate
6 months0.15%0.15%
8 months0.25%0.25%
12 months0.25%0.25%
15 months0.35%0.35%
18 months0.30%0.30%
24 months0.30%0.30%
30 months0.35%0.35%
36 months0.40%0.40%
48 months10.45%0.45%
60 months10.50%0.50%
Dividend Rates and Annual Percentage Yields are effective: November 1, 2021
*APY = Annual Percentage Yield. Rates are subject to change without notice. 1 A better People Perks rate may be possible based upon your relationship with People First FCU. Minimum opening deposit is $500. Withdrawals could reduce the earnings on accounts. Penalty for early withdrawal. Individual Retirement Account (IRA) rates include Traditional, Roth, and Education IRAs.

Penalties and fees may be imposed for early withdrawal.

*Certificates and Savings Accounts, excluding IRAs, are federally insured by the National Credit Union Administration (NCUA) up to a total of $250,000 for any balance set up under the same ownership. This is the maximum amount allowed by law. The combined balances of your People First FCU IRA Shares and IRA Certificates are federally insured up to $250,000 and are insured separately from other People First FCU Savings and Certificate Accounts.

For more information please view our Consumer Account Agreement.

See our Consumer Fee Schedule for associated fees.

At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines (WCAG) 2.1. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at or by calling our Member Service Center at 610.797.7440.

Equal Housing Lender
Equal Opportunity Lender

Your savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.

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