ISPFCU Share Rates
Share Certificate Rates
Open any share certificate with a minimum balance of $500 and earn the following Annual Percentage Yields. A 90 day interest penalty for early withdrawal will be imposed on all  certificates except the One-Time Withdrawal Share Certificate as long as that one-time withdrawal does not reduce the balance below $500.

One Time Withdrawl Share Certificates
Funds can be withdrawn one time for balance over $500.
Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 Months 0.55% 0.80%
36 Months 0.30% 0.55%
24 Months 0.00% 0.10%
Student Growth Share Certificates
$50 minimum to open. Certificate available to members age 16-22 with an ISPFCU Student Checking account. Funds can be added to purchase amount of the certificate in any denomination at any time.
Term Annual Percentage Yield PFI Member
Annual Percentage Yield
24 Months 0.85% 1.10%
18 Months 0.80% 1.05%
12 Months 0.70% 0.95%
6 Months 0.60% 0.85%
Growth Share Certificates
Funds can be added to purchase amount of the certificate in any denomination over $250 at any time.
Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 Months 0.80% 1.05%
36 Months 0.55% 0.80%
24 Months 0.10% 0.35%
Traditional, Roth, and Education IRA Growth Share Certificates
Funds can be added to purchase amount of the certificate in any denomination over $250 at any time.
Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 Months 0.95% 1.20%
36 Months 0.70% 0.95%
24 Months 0.25% 0.50%
12 Months 0.00% 0.25%
Traditional, Roth, and Education IRA Share Certificates
Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 Months 1.20% 1.45%
36 Months 0.95% 1.20%
24 Months 0.50% 0.75%
12 Months 0.25% 0.50%
Conventional Share Certificates
Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 months 1.05% 1.30%
36 months 0.80% 1.05%
24 months 0.35% 0.60%
12 months 0.10% 0.35%
Share Rates
Share Type Annual Percentage Yield
Regular Shares 0.15%
IRA Regular Shares 0.30%
Health Savings Account 0.30%
Christmas Club 0.15%
Heritage Checking
(with balance $100 or higher)
0.01%
Student Checking
(with balance $100 or higher)
0.01%
Money Market Checking - over $5,000 0.15%
Money Market Checking - over $10,000 0.15%
Money Market Checking - over $25,000 0.15%
Money Market Savings - over $10,000
0.15%
Money Market Savings - over $25,000 0.15%
Rates Effective 04-01-2014

Rates subject to change at any time.
Fees may reduce earnings on accounts.