SHARE CERTIFICATES/CDS

We Got Your Back

IT’S ALL ABOUT BROTHERHOOD

Pacific NW Ironworkers Credit Union exists to help you meet your financial goals. Because we are a non-profit organization, YOUR Credit Union is able to offer higher rates on a variety of saving accounts and certificate of deposits.

With a Share Certificate account from the Pacific NW Ironworkers Federal Credit Union, you are guaranteed an exact return on your investment as a result of fixed dividend rates. Take advantage of higher yields, federal insurance, automatic renewal, and convenient dividend and maturity options today. Choose from 3- to 60-month terms with great rates, depending on your investment strategy.

*Short-Term Certificate: For members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, generally less than one year.

*Long-Term Certificate: For members wanting to invest their money for longer than one year, generally receiving a higher rate of return.

*You must be a member to purchase a certificate.

You can start with as little as $500 and set your own term from 6 to 60 months.

Three options also exist for the payment of principal at certificate maturity:

1. Use the principal to automatically renew the certificate

2. Have it transferred to your Federal Regular Share, checking account, or Money Market Savings Account

3. Have it sent to you by check

Automatic Renewal

Your certificate will automatically renew at maturity unless you change your options via online banking. You can also call or write with other instructions. Note that a penalty will be imposed for early withdrawal from certificates. This fee could reduce your earnings.

Accounts insured by the NCUA to $250,000.

Open your certificate today and start saving for your future.

Bump up Share Certificates

We are excited to offer a new, flexible Certificate of Deposit program that allows members to “bump up” the rate one time, without penalty, if the market changes and our interest rates go up during the term of your Share Certificate. The “Bump Up” Share Certificate program offers Share Certificates starting for as little as $5,000 for 24-60 month terms and is for new investments into the credit union. Money rolled over from other Pacific NW Ironworkers Federal Union accounts are not eligible for this special program.

*Bump Interest Rate Information. You may choose to update or “Bump” the Interest Rate and Annual Percentage Yield on 24-60 month certificate terms. The “Bump” option can only be exercised once during the term of the certificate. The rate will be changed to the current rate for that particular Bump-up Certificate type. Additional funds can be added to the account when the bump option is exercised. The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.

Details
Mininum Balance $500 mininum to open
Features
  • Free Internet Branch online account access
  • Unlimited TalkTone Teller® calls
  • Free Statements
  • Automatic reinvestments
  • Fixed term account
Dividends
  • Tiered dividend rates based on balance and term
  • See our current rates
Fees
  • No set-up fee
  • Early withdrawal penalty

When we say we have FREE checking, we mean it. No monthly fees to use your debit card. No service fees. No fees to use ATMs.

Give us a call at 877-769-4766 to find out all your credit union can do.

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FREE Online Banking

Online banking gives you the option to skip the time-consuming hassle of traditional paper-based banking. It’s a quick and efficient way to manage your finances 24-hours a day–securely and confidentially. 24-hour account information, transfer funds, view checks and account history, instantly view your statements and tax information. Once your online account is set up, you can set up Bill Pay, Direct Deposit, E-Statements, and more.

ONLINE BANKING

Your money is safe and secure
All deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency. The NCUA is the federal agency that administers the National Credit Union Share Insurance Fund (NCUSIF).
The NCUSIF is a federal insurance fund backed by the full faith and credit of the U.S. Government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union. If you have more than $250,000 on
deposit at Pacific NW Federal Credit Union, ask us how you can maximize your coverage.