Rates

Savings Accounts APY*
Regular Savings (Business & Consumer) 0.25%
Medical Savings (Idaho) 0.25%
Non-Profit Savings 0.25%
Checking Accounts APY*
good$ense Checking*** (Consumer)  
$0.00 - $24,999.99 0.30%
Funds exceeding $25,000.00  0.15%
Basic Checking (Consumer)  
Not qualified to earn dividends on any dollar amount. 0.00%
Business Non-Profit  
$0.01 + 0.15%
Business No Fee  
Not qualified to earn dividends on any dollar amount 0.00%
Business (Premium Account Only, minimum $1000 balance)  
$0.00 - $999.99 0.00%
$1000.00 - $25,000 0.15%
$25,000.01+ 0.55%
IRA Accounts**  APY*
$35.00 - $9,999.99 0.25%
$10,000.00 - $99,999.99 0.25%
$100,000.00 + 0.25%
Money Market Accounts ** APY*
Money Market** (Consumer)  
$500.00 - $9,999.99 0.40%
$10,000.00 - $99,999.99 0.45%
$100,000.00 + 0.55%
Money Market Share Draft** (Consumer Only)  
$500.00 - $9,999.99 0.40%
$10,000.00 - $99,999.99 0.45%
$100,000.00 + 0.55%
Money Market** (Business)  
$500.00 - $9,999.99 0.55%
$10,000.00 - $99,999.99 0.55%
$100,000.00 + 0.55%
Share & IRA Certificates ** APY* APY* APY*
Deposit Amount: $500.00 - $9,999.99 $10,000.00 - $99,999.99 $100,000.00 +
6 Months 0.75% 0.75% 0.75%
12 Months 1.76% 1.76% 1.76%
18 Months 1.66% 1.66% 1.66%
24 Months 2.01% 2.01% 2.01%
30 Months**** 2.50% 2.50% 2.50%
36 Months 2.50% 2.50% 2.50%
48 Months 2.65% 2.65% 2.65%
60 Months 2.75% 2.75% 2.75%

* APY - Annual Percentage Yield. Rates and terms subject to change without notice.
** Minimum balance requirements: The balance required to open this account is $500.00. You must maintain a minimum average daily balance of $500.00 in your account to obtain the disclosed annual percentage yield. Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity).
*** $9.99 monthly fee.
**** 2.50% APY on certificate account with a minimum initial deposit of $500. Certificate may experience a maximum of two (2) rate bumps during the term if P1FCU’s rates change. Members may make one (1) deposit to the account within the first 15 months of the term, with no maximum deposit amount. This term is open to new money only.

RATE INFORMATION: The dividend rate and the annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union Board of Directors.