Savings

Build your bank.

You’re our #1 Priority! Get unmatched value and open a savings account with us today!

• $5.00 opening deposit and minimum balance

• Dividends are earned daily and credited each quarter

• Make deposits through payroll deduction, direct deposit, by mail, through online fund transfers or at any Priority branch location

• Use your savings for overdraft protection* on your Personal Checking Account (limit 6 electronic transfers per month)

• Your deposits are completely secured and federally insured by NCUA, up to $250,000.00

Looking to save more long term? We offer Traditional, Roth and Educational IRAs.

Earn greater dividends and still have access to your funds with a Money Market Account that delivers.

• $50.00 opening deposit and $1,000.00 minimum balance to earn dividends

• Interest earnings are paid monthly

• Make deposits through payroll deduction, direct deposit, by mail, through online fund transfers or at any PCU branch location

• Competitive, tiered variable rates

• Use your Money Market Account for overdraft protection on your Personal Checking Account (limit 6 electronic transfers per month)

• Your deposits are completely secured and federally insured by NCUA, up to $250,000.00

Looking for a fixed rate savings product? We offer flexible CD terms from 3 months to 5 years.

Diversify your Portfolio.

Earn a yield and avoid risk with a safe and secure Priority CD.

Diversify your portfolio with a safe and secure Priority Certificate of Deposit. We offer a range of terms with competitive rates.

Contact us to open a CD today.

• $500.00 minimum deposit

• Flexible term options from 3 months to 5 years

• Competitive, fixed rates

• Interest Earnings are paid monthly and may be added to the certificate principal amount or paid to another account

• Interest is calculated using the daily balance method

• All regular Certificates automatically renew at maturity for a matching term at the current rate offered

• Your deposits are completely secured and federally insured by NCUA, up to $250,000.00

Be A Worry-Free Retiree.

Prepare for retirement with a Priority Credit Union IRA.

When making individual contributions, we offer competitive rates and flexible terms that deliver. Additionally, there are no annual maintenance fees.

IRA Information

An Individual Retirement Account (IRA) is a smart wealth-building opportunity, allowing you to save money with tax-deferred or tax-free advantages, so you will have a substantial nest egg to rely on in the future.

What are the benefits of saving with a PCU IRA?

• Monthly deposit amounts are flexible and contributions are not mandatory

• Choose from Traditional or Roth

• Contribute a maximum each year (double if you and your spouse file jointly), with higher allowable contributions over certain age limits

• Competitive Rates

• Earnings are tax-free and offers other valuable tax benefits

• IRA accounts are federally insured up to $250,000.00 by the NCUA

Traditional IRA

• Your earnings grow tax deferred, so you won’t owe income taxes until you make withdrawals

• Contributions are tax deductible

• Age requirement to make contributions, currently up to 70½. If you are not covered by an employer-sponsored retirement plan there are no income restrictions

Contribution Amounts

• For tax year 2018 and 2019, you can contribute up to $5,500.00 to a traditional IRA. If you’re age 50 or older in each of these years, you can make an extra $1,000.00 catch-up contribution

• If you’re a single taxpayer and you’re covered by an employer-sponsored retirement plan, or you’re a married taxpayer and either you or your spouse is covered by an employer plan, your eligibility depends on your modified adjusted gross income

Roth IRA

• Earnings in a Roth IRA grow tax free and are also tax free when you make qualified withdrawals

• Roth IRAs offer more flexible withdrawal rules

• Early distribution penalties may be waived for medical, first time home buying and college expenses

• As long as you meet the Modified Adjusted Gross Income (MAGI) limits, and as long as you’re working and have earned income, you can make contributions to a Roth IRA, even after turning age 70½

• Roth IRAs do not require you to take required minimum distributions when you turn age 70½

• Participation in an employer-sponsored retirement plan does not affect your Roth IRA eligibility

Contribution Amounts

• Contribute up to $5,500.00 to a Roth IRA. If you’re age 50 or older in each tax year, you can make an extra $1,000.00 catch-up contribution

• Contributions for the 2018 tax year ended on April 15, 2019

• For the 2019 tax year make contributions anytime between January 1, 2019 and April 15, 2020

Day in and day out, you deliver for others! Now it’s time to reward yourself. Open a vacation club account and start saving for that special vacation. You earn interest on your money, pay no monthly fees and there’s no minimum balance required. Make unlimited deposits and withdrawals at any time. We offer competitive savings rates.

We offer competitive savings rates.

• $5.00 opening deposit and no minimum balance required

• Dividends are earned daily and credited each quarter

• Make deposits through payroll deduction, direct deposit, by mail, through online fund transfers or at any Priority branch location

• Your deposits are completely secured and federally insured by NCUA, up to $250,000.00

Make saving for the holidays all year a priority!

Avoid those high interest rate credit cards or your regular savings account. Put your money in a place that delivers value. Priority Holiday Club Account. We offer competitive savings rates. Early withdrawal fee $5.00.

• $5.00 opening deposit and no minimum balance required

• Automatic distribution to share account in November

• Dividends are earned daily and credited each quarter

• Make deposits through payroll deduction, direct deposit, by mail, through online fund transfers or at any Priority branch location

• Your deposits are completely secured and federally insured by NCUA, up to $250,000.00