Deposit Rates

Savings

Account	Dividend Rate	Annual Percentage Yield	Minimum Opening Balance
Rates Effective: 5/1/2023
Savings (18+)	0.10%	0.10%	$5.00
Edge Savings (13-17)	0.10%	0.10%	$5.00
Liberty Savings	0.00%	0.00%	$5.00
IRA Savings	0.10%	0.10%	$5.00
SEP Savings	0.10%	0.10%	$5.00
OR First-Time Home Buyer Savings	1.00%	1.00%	$5.00

Checking

Account	Dividend Rate	Annual Percentage Yield	Minimum Opening Deposit	Minimum Balance to Avoid a Service Fee
Rates Effective: 1/1/2023
Basic Checking	0.00%	0.00%	$25.00
Checking Plus	0.05%	0.05%	$25.00	$500.00
eChecking	0.00%	0.00%	$25.00
eChecking Plus	0.05%	0.05%	$25.00	$500.00

Money Market

Account	Dividend Rate	Annual Percentage Yield	Minimum Balance To Earn APY*
Rates Effective: 11/1/2023
$2,000 - $9,999	0.25%	0.25%	$2,000
$10,000 - $24,999	0.25%	0.25%	$10,000
$25,000 - $49,999	0.50%	0.50%	$25,000
$50,000 & above	0.75%	0.75%	$50,000

Certificates & IRAs

	Balance $100 - $9,999		Balance $10,000 - $49,000		Balance $50,000 - $99,999		Balance $100,000 +
Rates Effective: 1/13/2025
	Dividend Rate	APY*	Dividend Rate	APY*	Dividend Rate	APY*	Dividend Rate	APY*
6 Month Special**	3.93%	4.00%	3.93%	4.00%	3.93%	4.00%	3.93%	4.00%
12 Month Special**	3.93%	4.00%	3.93%	4.00%	3.93%	4.00%	3.93%	4.00%
18 Month	1.94%	1.95%	1.94%	1.95%	1.94%	1.95%	1.94%	1.95%
2 Year	2.18%	2.20%	2.18%	2.20%	2.18%	2.20%	2.18%	2.20%
3 Year	2.28%	2.30%	2.28%	2.30%	2.28%	2.30%	2.28%	2.30%
4 Year	2.33%	2.35%	2.33%	2.35%	2.33%	2.35%	2.33%	2.35%
5 Year	2.38%	2.40%	2.38%	2.40%	2.38%	2.40%	2.38%	2.40%

To open a Certificate or IRA, email us or call 503-256-5858. To open all other accounts, click the button below.

*APY = Annual Percentage Yield. APY set forth assumes funds will remain on deposit until maturity. Early withdrawal penalty applies. Deposits insured to $250,000 by the NCUA. IRA accounts insured separately by the NCUA up to $250,000. Rates subject to change without notice. See your Member Relationship Officer for complete details. Certificate account rates are fixed for the length of the term and are determined by the opening dollar amount.
† Minimum balance for Youth Certificates is $100. Youth Certificates are available only to members 18 years of age and younger. Minimum opening balance for members 19 years of age and older is $1,000.
**CD Special: Rate is subject to change without notice. Minimum opening deposit is $1,000. Minimum balance for Youth Certificates is $100. The maximum deposit per each CD special is $250,000 per member.

Edge Youth Debit Account

Account Balance	Dividend Rate	Annual Percentage Yield	Minimum Balance To Earn APY*
Rates Effective: 10/16/2024
Up to $1,000	4.89%	5.00%	$5.00
$1,000.01 and higher	0.10%	0.10%	$1,000.01

High-yield Edge Debit account is available to members ages 17 and under. When member attains the age of 18, the account will be converted to an E-Checking account, earning that account’s published rate at that time. Members under 13 years old are required to have a parent or guardian on account. eStatements are required for account.

* APY = Annual Percentage Yield. Rate subject to change without notice. Stated high-yield APY is for balances up to $1,000; balances of $1,000.01 and higher earn posted account rate.
**PNWFCU will deposit the first $5 in the savings account and $50 in the Edge Debit account for new members only. Bonus will be included on a 1099-INT for tax purposes.
***All members may be assessed a surcharge by the ATM proprietor when they use a non-PNWFCU ATM.

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