Share Certificates

Share Certificates (CDs)

Paradise Valley Federal Credit Union members interested in an investment account can take advantage of a variety of competitive-yield certificates. Generally, CDs earn you more than a regular savings account because you deposit a specified amount (referred to as “Share”) for an established period of time. Dividends earned are paid monthly.

PVFCU CDs can be tailored to fit your financial needs, with terms as short as 6 months or up to 5 years to lock in high earnings requiring a minimum Share of $2,500.

Investing in CDs is a safe, simple way to earn a competitive rate on your money.

Like all deposit accounts at PVFCU, CDs are insured by the National Credit Union Administration (NCUA) for up to $250,000.


Strong Assurance Of Real Safety

All deposits are fully insured up to $250,000 per member account by the NCUSIF (National Credit Union Share Insurance Fund), the strongest insurance fund available.
The insurance funds that reside with the NCUSIF are completely separate from the funds that cover deposits in savings and loans and banks (FDIC).

Certificate Rates

Effective date: 4/01/2022

Share Certificates – $2,500 – $24,9993
Six months$2,500 minimum0.30%0.30%MonthlyDaily4
Twelve months $2,500 minimum0.40%0.40%MonthlyDaily5
Twenty-four months $2,500 minimum0.55%0.55%MonthlyDaily6
Thirty-six months $2,500 minimum0.65%0.65%MonthlyDaily7
Forty-eight months $2,500 minimum0.75%0.75%MonthlyDaily8
Share Certificates – $25,000 – $99,0009
Six months$25,000 minimum0.30%0.30%MonthlyDaily10
Twelve months $25,000 minimum0.40%0.40%MonthlyDaily11
Twenty-four months $25,000 minimum0.60%0.60%MonthlyDaily12
Thirty-six months $25,000 minimum0.75%0.75%MonthlyDaily13
Forty-eight months $25,000 minimum0.85%0.85%MonthlyDaily14
Share Certificates – $100,000+15
Six months$100,000 minimum0.35%0.35%MonthlyDaily16
Twelve months $100,000 minimum0.45%0.45%MonthlyDaily17
Twenty-four months $100,000 minimum0.65%0.65%MonthlyDaily18
Thirty-six months $100,000 minimum0.75%0.75%MonthlyDaily19
Forty-eight months$100,000 minimum0.85%0.85%MonthlyDaily20

Additional Disclosures:

  • Rates expressed as Annual Percentage Yield (APY)
  • Fees could reduce the earnings on account.
  • Penalty may be imposed for early withdrawal.
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    PV Federal Credit Union
    2700 E. 4th Street
    National City, CA 91950
    Phone: (619) 475-4313, or toll free, (800) 253-6991
    Fax: (619) 475-0998
    E-mail: paradise@paradisevalleyfcu.com
    Access 24: (619) 475.2009
    Toll free 1 (866) 760.3777

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