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. Your savings is an important part of your financial well being. We want to help you build up your balance, take aim at your goals, and prepare for life's rainy days. All P1FCU members have a regular savings, but everyone can add any of our additional savings accounts below.

Start saving now. Opening an account is easy!

Your Regular Savings holds your share of your membership with the credit union. This share makes you a member-owner of the credit union and allows you to help make decisions about the future of the credit union by voting for our board of directors.

  • Open account with minimum deposit of $35.
  • Earn 0.05% APY.1,2
  • Build up balance with direct deposit and payroll deductions.
  • Monitor and manage funds with free Online and Mobile Banking.
Start saving now. Opening an account is easy!

Do you want to give your savings a boost? A Money Market Account is a secure option that rewards you with higher interest rates. Our Money Market Accounts provide you easy access to your savings and the perk of higher dividends.

  • $500 minimum to open account3
  • 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

Money Market3 APY1
$500.00 - $24,999.99
$25,000.00 - $99,999.99 0.55%
$100,000.00 - $249,999.99 1.25%
$250,000.00 - $499,999.99
$500,000.00 +


Are you looking to earn higher dividends from your Money Market Account? When you have both a Money Market Account and an Ascend Checking Account that qualifies for dividends, you will earn a special bump rate on your Money Market.4

Here are the activities that qualify your Ascend Checking for dividends and Money Market for enhanced dividends:

  • Enroll in eStatements
  • Make at least 20 debit card purchases
  • Have at least one monthly direct deposit into your Ascend Checking greater than $250
Money Market Tiers4 Regular Money Market APY1 Ascend Money Market Bump APY1
$500-$24,999.99 0.45% 0.65% 
$25,000-$99,999.99 0.55% 0.75%
$100,000-$249,999.99 1.25% 1.45%
$250,000-$499,999.99 1.35% 1.55%
$500,000+ 1.45% 1.65%
If your Ascend Checking does not meet the qualifications for dividends one month, your Money Market Account will earn dividends at the regular dividend rate. Your Ascend Checking must be open under the same membership as your Money Market Account and only one Money Market Account will qualify for the enhanced dividend rate. If you have more than one Money Market Account, you can specify which account will receive the enhanced dividend rate by speaking with a representative.

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 account3
  • Choose savings period ranging from three months to five years
  • Monitor growth through Online and Mobile banking

Share & IRA Certificates 3,5 APY 1
3 Months 1.25%
6 Months 4.75%
12 Months 4.65%
18 Months 4.60%
24 Months 4.00%
36 Months 3.75%
48 Months 4.35%
60 Months 3.55%


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 deposit2
  • No annual fees
  • 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 Accounts3 APY1
$35.00 - $100,000+ 0.05 %

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 Accounts2 APY1
Medical Savings (Idaho) 0.05%

1 APY = Annual Percentage Yield. Rates and terms subject to change without notice. Fees may reduce earnings. Rates effective 5/16/2024.
2 Minimum balance requirements: The balance required to open this account is $35.00. You must maintain a minimum average daily balance of $35.00 in your account to obtain the disclosed annual percentage yield.
3 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.
4 To qualify for the Money Market Account Qualifying Bump Rate, you must have an Ascend Checking account linked to the Money Market account, and you must meet the Ascend Checking account dividend qualifications each calendar month. For each month you meet the Ascend Checking account dividend qualifications, you will qualify for the Money Market Account Qualifying Bump Rate. The three-monthly dividend qualifications for the Ascend Checking account are: 1) Enrollment in eStatements 2) A minimum of 20 debit card swipes per month (ATM transactions excluded) and 3) A monthly direct deposit of over $250. If the Ascend Checking dividend qualifications are not met, the Money Market will default to the standard Money Market Account Non-Qualifying Rate. Only one Money Market account may be linked to an Ascend Checking account at any time. The Money Market Account Qualifying Bump Rate will be applied to the Money Market account with the earliest opening date. If there are multiple Money Market accounts, you may select which Money Market account to apply the Qualifying Bump Rate at account opening or by reaching out to us at 800.843.7128. Future changes of your selection can be made in branch or by reaching out to us at 800.843.7128. The dividend rate and annual percentage yield may
change at any time. We may change the dividend rate for your account as determined by the credit union board of directors.
5 Early withdrawal penalties may apply (a penalty may be imposed for withdrawals before maturity).