RATES

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Deposit Rates

Rates effective as of October 3, 2022.

ProductAPY*Interest RateMin Balance to EarnMin Balance to Open
Membership Savings0.10% 0.10%$25.00$5.00
Christmas Club0.10% 0.10% $25.00$10.00
Vacation Club0.10%0.10% $25.00$10.00
High Yield Savings10.25%0.25%$0.01 – $9,999.99$10.00
 My Reward Savings22.00%1.98%$0.01 – $3,000.00$5.00
0.10%0.10%$3,000.01
Money Market30.10%0.10%$0.01 – $1,999.99
 0.15%0.15%$2,000.00 – $9,999
 0.20%0.20%$10,000 – $24,999
 0.25%0.25%$25,000 – $49,999
 0.25%0.25%$50,000 – $74,999
 0.30%0.30%$75,000 – $99,999
 0.30% 0.30%$100,000 or more  –
Certificates of Deposit (CD) 
6 Month1.75%1.75%$0.01$500.00
9  Month2.00%2.02%$0.01$500.00
12 Month2.125%2.125%$0.01$500.00
18 Month2.75% 2.79%$0.01 $500.00 
24  Month2.75%2.79% $0.01 $500.00 
30 Month2.00%1.98%$0.01$500.00
36 Month2.00%1.98%$0.01$500.00
48 Month2.00%1.98%$0.01$500.00
60 Month 3.00%3.04%$0.01$500.00
Individual Retirement Account (IRA)
IRA Accumulator 0.50%0.50%$25.00$10.00
12 Months Traditional/Roth IRA CD2.125%2.125%$0.01$500.00
18 Months Traditional/Roth IRA CD2.75%2.79%$0.01$500.00
24 Months Traditional/Roth IRA CD2.75%2.79%$0.01$500.00
36 Months IRA CD Traditional/Roth IRA CD2.00%1.98%$0.01$500.00
48 Months IRA CD Traditional/Roth IRA CD2.00%1.98%$0.01$500.00
60 Months IRA CD Traditional/Roth IRA CD3.00%3.04%$0.01$500.00
*Annual Percentage Yield (APY) effective 10.1.2022.

1 Annual Percentage Yield (APY) as of 10.18.2021, but may vary after account opening, is subject to change and is based on daily balances. Rates may change throughout the month and will affect the monthly interest payment. Fees may reduce earnings. Accounts cannot be accessed using ATM or Debit Card. $10,000 minimum opening deposit is required.

2 2.00% APY will be paid on the balance in your account up to $3,000. An interest rate of 0.10% will be paid on the remaining balance in your account that exceeds $3,000. For example a $3,000.01 balance in your account will earn 2.00% APY and a $4,000 balance in your account will earn 1.53% APY. $5.00 minimum deposit to open. One My Reward Savings per person and must be linked to My Reward Checking. Rates may change after account opening. Funds earn dividends from the first business day of deposit and are compounded and paid monthly.

3 Money Market: Account: Minimum opening deposit $2,000.00; minimum balance of $2,000.00 to avoid $5.00 monthly fee.

*Annual Percentage Yield (APY) effective 10.1.2022. Rates subject to change after account opening. Fees may reduce earnings.

CD: Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees could reduce earnings on the account. Please see PCT’s Truth in Savings for Certificates of Deposit. 3, 6, 9, 12, 15, 18, and 24 Month CD Specials cannot be combined with any other offer. To satisfy this requirement, an additional $5,000 in external funds must be added to transfers from existing PCT accounts. All CDs that roll over upon maturity will earn the base rate of interest in effect at that time. CD Specials roll into a standard CD product with a comparable term

*Annual Percentage Yield (APY) effective 10.1.2022. Rates subject to change after account opening. Fees may reduce earnings.
Federal Regulations require a substantial penalty on funds withdrawn prior to maturity for all Certificate of Deposit (CD) accounts. Fees could reduce earnings on the account. Please see PCT’s Truth in Savings for Certificates of Deposit. 12, 15, 18, and 24 Month CD Specials cannot be combined with any other offer. To satisfy this requirement an additional $5000.00 in external funds must be added to transfers from existing PCT accounts. All CDs that roll over upon maturity will earn the base rate of interest in effect at that time. CD Specials will roll into a standard CD with a comparable term.