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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  0.09-1.45%

 
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 - $24,999.99 0.40%
$25,000.00 - $99,999.99 0.51%
$100,000.00 - $249,999.99 0.65%
$250,000.00 - $499,999.99  0.80%
$500,000.000 + 1.45%


Effective 11/16/2022

Business Money Market Account**

Money Market**
 APY*
$500.00 - $24,999.99 0.40%
$25,000.00 - $99,999.99 0.51%
$100,000.00 - $249,999.99 0.65%
$250,000.00 - $499,999.99  0.80%
$500,000.000 + 1.45%
 
Effective 11/16/2022

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 0.65% 0.65% 0.65%
6 Months 3.50% 3.50%
3.50%
12 Months 4.25% 4.25% 4.25%
18 Months 4.00% 4.00%  4.00%  
24 Months 4.50% 4.50% 4.50%
36 Months 4.00% 4.00%   4.00%
48 Months 4.00% 4.00% 4.00%
60 Months 4.00% 4.00% 4.00%
 
Effective 12/01/2022

* 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. 
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.