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Rates

Save more on your loans, earn more on your savings – with P1FCU.

Savings Accounts

Savings APY*
Regular Savings (Business & Consumer) 0.05%
Idaho Medical Savings 0.05%
Non-Profit Savings 0.05%

Effective 11/24/2021


Consumer Checking Account

Ascend Checking 1 APY*
$0.00 - $15,000  1.45%
$15,000.01  0%

 
Effective 08/08/2022


Business Checking Accounts

Business Non-Profit Checking
APY*
$0.01 + 0.15%

Business No Fee Checking
APY*
Not qualified to earn dividends on any dollar amount 0.00%

Premium Business Checking** APY*
$0.00 - $999.99 0.00%
$1000.00 - $25,000 0.15%
$25,000.01+ 0.20%
Effective 11/24/2021
 
**Dividends paid when the minimum balance is maintained.


IRA Accounts

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


Consumer Money Market Account**

Money Market**
APY*
$500.00 - $9,999.99 0.30 %
$10,000.00 - $99,999.99 0.30 %
$100,000.00 + 0.30 %



Effective 10/03/2022

Business Money Market Account**

Money Market**
APY*
$500.00 - $9,999.99 0.30%
$10,000.00 - $99,999.99 0.30%
$100,000.00 + 0.30%
 
Effective 10/03/2022


Share & IRA Certificates**

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 Special2 1.00% 1.00% 1.00%
11 Month Special3 2.32% 2.32% 2.32%
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%
 
Effective 10/03/2022

* 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).
1 Qualifiers to earn interest on Ascend Checking must be enrolled in eStatements with a valid email and have 20 transactions on your Ascend Checking Account debit card, excluding transactions at ATMs and one monthly direct deposit of more than $250. Requirements are calculated for each calendar month. APY=Annual Percentage Yield. 1.45% APY applies to the first $15,000. Balances over $15,000 earn 0.00% APY. If the account requirements are not met, the rate will be 0.00% APY. No minimum balance is required to earn APY. Rates may change after account opening. Fees may reduce earnings. APY accurate as of 08/08/22. Insured by NCUA.
2 The 7 month certificate special is being offered for a limited time and may end without notice. 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.
3 The 11 month certificate special is being offered for a limited time and may end without notice. 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.