Christmas Club Accounts |
The Christmas Club account is a perfect way to save for the holidays. Systematic savings through direct deposit or payroll deduction makes saving easy and convenient. There is no minimum deposit/balance to open and maintain the account. Deposits and withdrawals can be made at any time without penalty. Funds from this account are transferred into members’ Share accounts the first week of November. Just in time for the holiday season. |
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Special Share Savings Accounts |
The Special Share Savings account may be opened if you would like to save for a special purpose such as a vacation. There is no minimum deposit/balance to open and maintain the account. |
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Certificate Accounts |
PCEFCU offers both short and long term certificates. The minimum deposit to open is $500. Terms from 6 months to 4 years are available. IRA Certificates are also available. |
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Individual Retirement Accounts |
Individual Retirement Accounts are tax-deferred investment accounts. We all know how important it is to put aside some funds to make our retirements comfortable and affordable. Many members purchase IRA’s to supplement other retirement plans. PCEFCU offers a variety of IRA investment options. They range from an IRA share savings account to certificate ranging from 6 to 48 months. Come in and let our staff show you how to get started today! |
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Traditional Individual Retirement Accounts |
Traditional IRAs offer tax-deferred earnings, and the possibility for tax deductible contributions. The IRA account carries no maintenance or service fees. |
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Roth IRAs |
A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Unlike traditional IRAs, your contributions to a Roth IRA are not tax-deductible. However, the money in your Roth IRA, including earnings, can be withdrawn tax-free. However you must conform to the plan provisions to get this tax-free advantage. |
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