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Share Savings 
A Share Savings account is your key to membership at Penobscot County Federal Credit Union (PCFCU). You can open the account with as little as ten dollars, and maintain the account by keeping the five dollar minimum balance required.
PCFCU's Share Savings offers competitive rates and gives you access to your account anytime via Audio Response, My P.A.L. or at thousands of Automated Teller Machines (ATM) using your Visa Check Card. You can even use available funds from your Share Savings account to cover overdrafts on your checking account.
Our Share Savings is also a great way to teach children and youth about the value of saving and thrift. Opening an account is easy at any of our three locations, so why not drop by today and start enjoying the benefits of membership!
| Account Type |
Minimum Balance |
Dividend Rate |
APY* |
| Share Savings |
$5.00 |
0.05% |
0.05% |
Club Savings 
Saving for those special times has never been easier than with our Club Savings accounts.
Although our Christmas Club is the most popular, we can setup and tailor accounts to meet virtually any need - just ask! With our flexibility and great rates we can put together a club account just for you.
Stop by any of our three locations and open your Club account today!
| Account Type |
Minimum Balance |
Dividend Rate |
APY* |
| Club Savings |
$5.00 |
0.05% |
0.05% |
Individual Retirement Accounts (IRA's) 
Let us help you plan for, save towards, and then enjoy your retirement years. An IRA is a great way to save for retirement, and Penobscot County Federal Credit Union offers both Traditional and Roth IRA accounts with great competitive rates.
We offer Coverdell Education IRA's too so you can save for your little one's education. Best of all, every type of IRA is available in both an IRA Share Saving or IRA Share Certificate format, allowing you to chose which one is right for your and your goals.
Stop by any of our three branches and talk to our friendly staff about opening your IRA today or view more information in our IRA Brochure.
| Account Type |
Minimum Balance |
Dividend Rate |
APY* |
| IRA Share Savings |
$5.00 |
0.995% |
1.000% |
Money Market 
Watch your money really grow with our Money Market account. Designed to offer a higher dividend rate in return for a higher minimum balance, you'll find that our five thousand dollar minimum balance is one of the lowest available for the high dividend rate offered. Rates are tiered based on the balance in the account.
Start earning near certificate rates of return without the early withdrawal penalty* - open a Money Market account today at any of our three locations!
| Account Type |
Balance |
Dividend Rate |
APY* |
| Money Market Tier 1 |
$ 5,000 - $ 9,999.99 |
0.499% |
0.500% |
| Money Market Tier 2 |
$10,000 - $74,999.99 |
0.747% |
0.750% |
| Money Market Tier 3 |
$75,000 - $99,999.99 |
0.847% |
0.850% |
| Money Market Tier 4 |
$100,000 and up |
0.995% |
1.000% |
Share Certificates 
Our Share Certificates are a great way to save for the future, and we have terms to meet just about any need, from just three months to five years.
Available in regular, Traditional/Roth Individual Retirement Account, or Coverdell Education Savings formats, we are sure to have a combination that will allow you to grow your money at a higher rate than traditional savings accounts. You can even have the monthly dividends deposited into your share savings or checking account or, if you wish, we'll mail you a monthly check. If you have never opened a Share Certificate account, now is the time, and we make it easy. Stop by any of our three locations to open your Share Certificate account today!
| Share Certificate Term |
Balance |
Dividend Rate |
APY* |
| 3 Months |
$500 |
0.499% |
0.500% |
| 6 Months |
$500 |
0.896% |
0.900% |
| 12 Months |
$500** |
1.095% |
1.100% |
| 18 Months |
$500 |
1.243% |
1.250% |
| 24 Months |
$500 |
1.490% |
1.500% |
| 36 Months |
$500 |
1.982% |
2.000% |
| 60 Months |
$500 |
2.716% |
2.750% |
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** Minimum balance on a 12-month share certificate is lowered to $100 for those 18 years and younger.
Early withdrawal penalties apply to all certificates. Rates and terms subject to change without notice.
*All annual percentage yields and annual percentage rates are accurate and effective as of Sep 8, 2010.
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