Savings

With life’s unexpected twists and turns, we know everyone needs access to emergency funds. We offer a simple solution with no hidden agenda.

  • $35 Minimum
  • Direct deposit
  • Free Home Banking & Mobile Banking
  • Payroll Deductions

You Name It Savings
Need more than one savings account to keep yourself organized? Open additional accounts with a $5 minimum deposit.

Apply Now

We also offer Idaho Medical Savings Accounts. Call us or stop by your local branch for more information.

Savings Accounts APY*
Regular Savings 0.25%
Medical Savings (Idaho) 0.25%

*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.

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  • Money Market Savings  

    Ready for a savings account that earns more dividends? If your rainy day fund is full enough you might be ready to upgrade to a money market account that requires a higher minimum balance but pays you more! A $500 minimum will get you started.

    Money Market Savings** APY*
    $500.00 - $9,999.99 0.40%
    $10,000.00 - $99,999.99 0.45%
    $100,000.00 + 0.55%
  • Certificates  

    Ready to invest, but not ready to plunge into the stock market? Try a P1FCU Share Certificate with higher rates that increase, as the term gets longer. Certificates start at a $500 minimum, and dividends are compounded and paid quarterly. We also offer IRA Certificates for safe keeping of your retirement funds.

    Looking to invest more aggressively? We have an experienced financial advisor ready to assist you with your investment goals. Meet Our Advisor

    Share & IRA Certificates** APY* APY* APY*
    Deposit Amount $500.00 - $9,999.99 $10,000.00 - $99,999.99 $100,000.00+
    6 Months 0.75% 0.75% 0.75%
    12 Months 1.76% 1.76% 1.76%
    18 Months 1.66% 1.66% 1.66%
    24 Months 2.01% 2.01% 2.01%
    30 Months*** 2.50% 2.50% 2.50%
    36 Months 2.50% 2.50% 2.50%
    48 Months 2.65% 2.65% 2.65%
    60 Months 2.75% 2.75% 2.75%

    *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).
    ***2.50% APY on certificate account with a minimum initial deposit of $500. Certificate may experience a maximum of two (2) rate bumps during the term if P1FCU’s rates change. Members may make one (1) deposit to the account within the first 15 months of the term, with no maximum deposit amount. This term is open to new money only
    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.

  • IRA Savings  

    Planning for the future can be overwhelming but necessary. Don’t let it get you down. At P1FCU we offer both Traditional and Roth IRA’s to help keep you on track for retirement. No added fees or hoops to jump through, just a $35 minimum balance.

    If you are ready for a more aggressive approach to your retirement planning, our Financial Advisors with P1FCU Investment Services can help!

    IRA Accounts** APY*
    $35.00 - $9,999.99 0.25%
    $10,000.00 - $99,999.99 0.25%
    $100,000.00 + 0.25%