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Share Rates

Rates Effective 04-01-2018

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

Share Rates

Share Type Annual Percentage Yield
Regular Shares 0.01%
Christmas Club 0.01%
Heritage Checking
(with balance $100 or higher)
0.00%
Student Checking
(with balance $100 or higher)
0.00%
Money Market Checking - over $5,000 0.01%
Money Market Savings - over $10,000
0.01%

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.

Click here for more information about Preferred Financial Institution membership

Conventional Share Certificates

Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 months 0.50% 0.75%
36 months 0.25% 0.50%
24 months 0.00% 0.25%
12 months 0.00% 0.05%

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 0.25% 0.50%
36 Months 0.00% 0.25%

One Time Withdrawal Share Certificates

Funds can be withdrawn one time for balance over $500.

Term Annual Percentage Yield PFI Member
Annual Percentage Yield
48 Months 0.00% 0.25%

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 0.50% 0.75%
18 Months 0.45% 0.70%
12 Months 0.35% 0.60%
6 Months 0.25% 0.50%
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