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Deposit Rates

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Savings & Checking Accounts

Health Savings Accounts (HSA)

PCCU Cash (Checking)1



To earn your rewards, just do the following transactions and activities in your PCCU Cash account during each Monthly Qualification Cycle:

  • Have at least 15 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements
  • Have at least 1 automatic payment (ACH) or direct deposit post and settle

Share / IRA Certificates2

NOTE: IRAs available only in 12-, 13-, 24-, and 36-month terms with tiers.

A penalty may be imposed for early withdrawal.

^ Children’s certificates include 24-month share certificates or IRA Educational (Coverdell) Savings Accounts.

Premier Savings Account

Premium Savings Account requires a daily account balance of $2,500 to avoid monthly fees. See our fee schedule for additional information. 


Pinnacle Savings Account


Pinnacle Savings Plan is available members who maintain a checking account with a recurring direct deposit. A daily account balance of $25,000 must be maintained to avoid monthly fees. See our fee schedule for additional information

Platinum Money Market 3


Gold Money Market 4

1APYs accurate as of 10/01/2023. Rates may change after account is opened. The minimum to open account online is $5. For PCCU Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 and credited to account on the last day of monthly statement cycle; (2) balances up to $15,000 receive APY of 6.00%; and (3) balances over $15,000 earn 0.05% dividend rate on the portion of the balance over $15,000, resulting in 0.81% – 6.00% APY depending on the balance. If qualifications are not met on PCCU Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle PCCU Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. Purchases must be made with debit card associated with your PCCU Cash account. “Monthly Qualification Cycle” is defined as a calendar month in which dividends are paid. Actual dividend amount paid may be less than advertised PCCU Cash APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. Credit terms and conditions apply.

2APYs accurate as of 12/01/2023. We recommend consulting your tax advisor.

3APYs accurate as of 08/02/2021 and subject to change without notice. Other fees and charges may apply.

4APYs accurate as of 07/01/2023 and subject to change without notice. Other fees and charges may apply.

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