Forrest with waterfront and mountains in the background

Savings Accounts

Take strong steps toward a more secure financial future.


Get a jump-start on a sunnier tomorrow.

Start with a few dollars or a fistful. Focus on one account or take a diversified approach. Whatever your saving style, we want to help you build up your balance, take aim at your goals, and prepare for life's rainy days and all its other twists and turns.

Regular Savings

  • Open account with minimum deposit of $35.
  • Earn competitive interest.
  • Build up balance with direct deposit and payroll deductions.
  • Monitor and manage funds with free Online and Mobile Banking.
  • Open multiple accounts for specific savings goals. Name your accounts whatever.
Start saving now. Opening an account is easy!
 

Idaho Medical Savings Accounts

An Idaho Medical Savings Account (MSA) allows you to save for medical expenses and long-term care costs while reducing your Idaho individual income tax burden. Call us or stop by your local branch for more information.

Savings Accounts APY*
Regular Savings 0.05%
Medical Savings (Idaho) 0.05%
 
Effective 11/24/2021

*APY - Annual Percentage Yield. Rates and terms subject to change without notice.
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.


Ready to branch out from from your traditional savings account? A Money Market Accoung is a secure option that rewards you with higher interest rates. Plus, you don't have to commit your money for long periods, as is the case with some other investments.

  • $500 minimum to open account
  • Earns higher interest than a traditional savings account
  • Tiered rate structure means that higher balance can earn higher returns
  • Immediate access funds with checks, Online and Digital Banking, and at P1FCU branches
  • Good choice for both everyday savers and seasoned investors looking to diversify their portfolios
  • Deposits are insured by National Credit Union Administration

Money Market** APY*
$500.00 - $9,999.99
0.10 %
$10,000.00 - $99,999.99 0.10 %
$100,000.00 +
0.10 %

 
Effective 11/24/2021
 
Put your savings on a schedule that fits with your future needs and long-term goals. Our Share Certificates offer plenty of options, all of which pay higher interest than most traditional savings accounts.

  • $500 minimum to open account
  • Choose savings period ranging from three months to five years
  • Tiered rate system means that bigger balances can earn higher returns
  • Monitor growth through Online and Mobile banking
  • Safe, secure investment with deposits protected by National Credit Union Administration

Share & IRA Certificates** APY* APY* APY*
Deposit Amount $500.00 - $9,999.99 $10,000.00 - $99,999.99 $100,000.00+
3 Months 0.10% 0.10% 0.10%
6 Months 0.30% 0.30% 0.30%
7 Month Special1 0.70% 0.70% 0.70%
11 Month Special2 2.12% 2.12% 2.12%
12 Months 0.50% 0.50% 0.50%
18 Months 0.60% 0.60% 0.60%
24 Months 0.65% 0.65% 0.65%
36 Months 0.70% 0.70% 0.70%
48 Months 0.75% 0.75% 0.75%
60 Months 0.85% 0.85% 0.85%
1 The 7 month certificate special is being offered on new money deposited for a limited time and may end without notice. New money is defined as funds that were not at P1FCU, in any type of account as of June 29, 2022, prior to taking advantage of the 7 month certificate special. This is a non-renewable certificate for the 7 month term and will automatically renew into a 6 month term at the published rate for that product, unless you have selected a different term or another share, prior to maturity. IRA Certificates are not eligible. All other terms and conditions are subject to the Account Agreement, All About Your Account and Truth in Savings Disclosures.
 
2 The 11 month certificate special is being offered on new money deposited for a limited time and may end without notice. New money is defined as funds that were not at P1FCU, in any type of account as of July, 21 2022, prior to taking advantage of the 11 month certificate special. This is a non-renewable certificate for the 11 month term and will automatically renew into a 12 month term at the published rate for that product, unless you have selected a different term or another share, prior to maturity. IRA Certificates are not eligible. All other terms and conditions are subject to the Account Agreement, All About Your Account and Truth in Savings Disclosures.
 
Effective 7/21/2022
 
Making a list of everything you want to do during your retirement? With the right financial planning, you'll be able to check off every box while living a comfortable lifestyle. At P1FCU, we can help you save for your golden years with tax-advantaged Traditional and Roth IRAs.

  • Start account with just $35 opening deposit
  • Contribute up to $6,000 per year ($7,000 if over age 50)
  • No annual fees
  • Tiered rate system means that bigger balances can earn higher returns
  • With Traditional IRAs, you may be able to take a federal tax deduction each year you contribute funds
  • With Roth IRAs, all withdrawals are tax-free
  • With both types of IRAs, annual interest and dividend payments are tax-free
  • Consult your financial advisor for more information on IRAs and their tax benefits

IRA Accounts** APY*
$35.00 - $9,999.99 0.05 %
$10,000.00 - $99,999.99 0.05 %
$100,000.00 + 0.05 %
 
Effective 11/24/2021

















*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).

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.