Certificates

Empower your money and help us empower others

When you bank with us, your deposits not only support your financial well-being, but they help us support the environment, sustainability and the local economy. Seriously!

You see, we offer a little program called Energy-Smart Loans that help improve housing stock, lower energy usage and put people to work. And as a financial cooperative, the money you deposit helps us lend to others. Are the dots connecting now?

Our Certificates are just one of the ways we stand behind our commitment to socially-responsible banking. Learn more below, click on the button to see our great terms and rates, and then contact us to start making an impact today.

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Wave Club Increase

As an additional benefit to being a member of PSCCU, you can increase some Certificate rates by simply having an active Checking Account and VISA Credit Card with us.* It’s really that simple, and it’s really that empowering.

As a reminder, Certificates are a set savings method; meaning rates and terms are locked in from the time you open the account to the last day of the chosen term. Fees do apply if you choose to make any early withdrawals or close the account before the end of the term.

View Certificates, Rates & Terms

*APY = Annual Percentage Yield. All Certificates have fees for early withdrawal. Limit one (1) Member Appreciation Certificate (MAC) per member. Contact the credit union for more information.

**APY = Annual Percentage Yield. All Certificates have fees for early withdrawal. $1,000 minimum.

Wave Club: To qualify, member must have their primary checking account (direct deposit or regular deposits), as well as an active VISA Credit Card (recent monthly activity) with Puget Sound Cooperative Credit Union. Wave Club discounts are only valid for Certificates, Auto Loan, Personal Loans, or Boat/Motorcycle/RV Loans. Other restrictions may apply. Contact the Credit Union for full details.  Wave Club Certificate rates are listed on the rates page and apply only to the 6, 12, 24 and 48 month terms.  The increase can not be applied to the MAC, IRA or any certificate specials.