Deposit Accounts

Savings Accounts for All Stages of Life

As a member and shareholder of PCT Federal Credit Union, you can select from a range of savings accounts that fit both your current and future financial needs.

Member Share Savings Account

Start your PCT Federal Credit Union membership by opening a Member Share Savings Account. 

  • Open your account with just a $5.00 minimum deposit 

  • Gain access to all our products, services, and exclusive member benefits

  •  Secure your membership for life

Money Markets Accounts

Our Money Market Accounts offer flexibility while helping your savings grow.High-yield, tiered-rate account

  • A minimum balance of $2,000.00 is required

  • Access flexible terms for maximized earnings

  • Provides a variety of options for withdrawing money

Savings Certificates

If you're looking for a secure way to grow your savings, our Savings Certificates are a great option.

  • Open your account with a $500.00 minimum deposit

  • Term options available from 6 to 60 months

  • Lock in high-interest rates for a specific term

  • Higher dividend earnings

  • Perfect for short- and long-term investing

Individual Retirement Accounts (IRA)

Ensure your retirement is as stress-free and relaxing as it should be by opening an IRA today.

  • Provides diversification across retirement plans

  • Options include Traditional and Roth IRAs, and Coverdell Education Savings Accounts

  • High-yield earnings you may not find at other financial institutions

  • Distributions on contributions may be tax-free

  • May provide additional tax benefits - check with your tax advisor or financial planner for details