When You Have Time to Earn Higher Dividends

PAFCU offers a variety of Certificates of Deposit to fit your personal financial needs. Our minimum deposit requirements are low, making even small investments earn the highest possible return. Remember, your investment and the dividends are insured up to $500,000 throughout the term.

• Choose from maturities of three months to 5 years
• Rates are usually based on the length of the certificate term
• A low $500 minimum deposit
• Lock in a great, competitive rate. The rate you initially invest at is the rate you will earn for the entire selected term -- even if interest rates drop

You can learn about all of our current Certificate rates here.

.How to Sign Up

To invest in a Polish-American FCU Certificate, visit any of our branches or call a customer service representative at 248-619-0440.

*Refer to the Your Insured Funds (PDF Booklet) for complete details.

Enjoy Extra Insurance from PAFCU

Thanks to our extra deposit insurance for Certificate and Money Market accounts, members may have extra peace of mind knowing their accounts covered for up to $500,000.

Your basic federal coverage from our regulator, the National Credit Union Administration (NCUA) insures you deposit accounts up to $250,000. 

However, PAFCU has taken the additional step for you with a separate policy provided by ESI Excess Share Insurance (ESI). This is entirely paid by the credit union.

This our way to say, "Thank you" for entrusting us with your funds.