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Rates

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

Savings Accounts

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

Effective 11/24/2021


Debit Accounts

PowerPlus Debit³ (Consumer) APY*
$0.00 - $24,999.99 0.30%
Funds exceeding $25,000.00 0.15%

Preferred Debit² (Consumer) APY*
Not qualified to earn dividends on any dollar amount. 0.00%

Prime Debit¹ (Consumer)
APY*
Not qualified to earn dividends on any dollar amount. 0.00%
 
Effective 11/24/2021


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


Personal Money Market Accounts**

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

Money Market Savings**
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

Business Money Market Accounts**

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


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%
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 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).
1) Prime Debit has a monthly fee of $2.99 – waived with eStatements 2) Preferred Debit has a monthly membership fee of $4.99 3) PowerPlus Debit has a monthly membership fee of $7.99 – waived if an average daily balance of $1,000 is maintained.
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.