Christmas Club

Why wait until the end of the year? Ease your holiday woes by saving all year long. With a Christmas Club savings account you can set money aside periodically and choose the method of disbursement (check, transfer, or continued savings in the Christmas Club) for the club account maturity date of October 1^st.

Scholarship Accounts

PCT Federal Credit Union offers Scholarship Accounts for a variety of reasons. Whether you’re looking to honor a loved one or benefit a specific population of students, we are more than happy to help you manage the designated funds. Scholarship accounts may only be held in the name of a school or by a member within the credit union’s field of membership. At least one signer on the account must be a current member in good standing with PCT Federal Credit Union.

Organization Accounts

Looking for an account to help manage funds for your organization, association, or club? PCT Federal Credit Union is here for all of your non-profit’s needs. An Organization Account is a great way to manage everything from club dues to fundraising projects. At least one signer on the account must be a current member in good standing with PCT Federal Credit Union.

DBA Accounts

If you’re a sole proprietor, PCT Federal Credit Union is here to provide you with the right tools to help your small business grow. A DBA (Doing Business As) Account is an excellent way to keep your business expenses separate from your personal expenses. With all of the same features as our regular savings and checking accounts, your business is in good hands.

Youth Savings Accounts

It’s never too early to start saving! PCT Federal Credit Union is here to work with you and your child along their path to financial independence. With these unique youth programs, your child will learn how to begin to manage their money and understand the importance of financial responsibility. Available to those under the age of 18.

Young Adult Accounts (ages 16-17)

• No minimum balance checking with VISA® Debit/ATM Card
• $5 minimum savings balance
• The young adult will be listed as the primary account holder

Teen Accounts (ages 11-15)

• No minimum balance checking with VISA® Debit/ATM Card (parent/guardian consent required)
• $5 minimum savings balance
• The teen will be listed as the primary account holder with a parent/guardian as an optional joint owner

Minor Accounts (ages 10 and under)

• $5 minimum savings balance
• If the child is able to sign, they may be listed primary account holder with a parent/guardian as joint. If the child is unable to sign, the account must be opened as an Uniform Transfers to Minor Act (UTMA) account with a parent/guardian as custodian with control over the account.