Share Certificates
Not every dollar needs to be on call. Share certificates are a great way to set aside funds you won’t need right away and let them grow on a predictable path.
A Steady Way to Save. Designed with Your Future in Mind.
If you want to grow your money without the stress of high-risk investments, share certificates might be your financial happy place. With fixed terms, guaranteed returns and rates that often beat traditional savings accounts, they offer a refreshingly steady way to build your nest egg.
Here’s how share certificates complement your big-picture financial goals:
Higher Earnings, Guaranteed
- Competitive, Guaranteed Rates: Lock in higher dividend rates than traditional savings, with earnings that won’t fluctuate during your term.
- Terms that Fit Your Timeline: Choose from a range of term lengths, short or long, so your savings are always aligned with your plans.
Your Money: Stay Put and Grow, Federally Insured Safety
- Earn More by Saving More: Higher balances and longer terms often come with higher rates, rewarding your commitment. There are exceptions like our Special Limited-Term 5-Month Share Certificate.
- Smart Diversification: Use our share certificates to balance your portfolio with a low-risk, predictable savings option.
- Federally Insured: Your money is protected and insured up to $250,000 by the NCUA, just like bank CDs are FDIC-insured.
Sound Good So Far? It Gets Better.
- It Doesn’t Take a Fortune: Nearly all of our share certificates open with a $500 minimum deposit. Exemptions include our 12-Month Save to Win Certificate with a minimum deposit of just $25 and, at times, limited-term specials with varying minimums and conditions to open.
- Speaking of Specials: Check out our Special Limited-Term 5-Month Share Certificate with a high return without a lengthy commitment. Open with a $5,000 minimum deposit.
Belonging Starts with Your New Checking Account.
Exclusive Checking and Savings Bundle from Piedmont Advantage Credit Union
Switching to PACU isn’t just about better banking. It’s about belonging to a financial institution that prioritizes people over profits and community above all else.
For a limited time, open a PACU Simple+ Checking or More Checking account1 to unlock a gift of a PACU Mid-Century Baseball Hat or PACU Nostalgia Tote Bag2. Pair it with a new 12-month or longer-term PACU Share Certificate3 to receive another one of these great gifts.
Every $25 deposit into a Save to Win® Certificate earns you a chance at cash prizes, plus savings growth.
Turn Saving into Winning
For more information and disclosures about Share Certificate Accounts, please click the Personal Disclosures link at the bottom of this page.
Disclosures
¹Current dividend rates and annual percentage yields for checking accounts are stated in PACU’s Truth-In-Savings Disclosure (“TISD”). Simple+ Checking is a tiered rate checking account. Minimum account balance of $100 required to earn the dividends and annual percentage yields stated in the TISD. If minimum qualification requirements are met during a monthly qualification cycle, the first dividend rate and annual percentage yield stated in the TISD will apply up to the first $20,000 of your account balance, and the second dividend rate and annual percentage yield listed in the TISD will apply to any remainder of your account balance. To meet minimum qualification requirements for a monthly qualification cycle, you must: 1) make 15 debit card purchases that post and settle your account; 2) be enrolled to receive e-statements; and 3) have one direct deposit of $100 or more settled to your account. The monthly qualification cycle is defined as a calendar month. If minimum balance requirements are met but you do not meet all of the minimum qualification requirements during a monthly qualification cycle, the third dividend rate and annual percentage yield listed in the TISD will apply to your entire account balance. As of January 1, 2026, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 1.75%; second annual percentage yield, 0.25%; and third annual percentage yield, 0.01%. Dividend rates and annual percentage yields are subject to change and may change after account opening. More Checking does not earn dividends. Student Checking does not earn dividends.
²Promotional bonus offers are for a limited time while supplies last and may be discontinued at any time. Offers not available if you closed a Piedmont Advantage Credit Union (“PACU”) checking account on or after July 1, 2025, or if you had a PACU account that was closed with a negative balance within the last three years or closed within 90 days of account opening. You must be or become a member of PACU to open a checking account or a share certificate account. You can receive only one bonus gift per new checking account and one bonus gift per new share certificate account, and you can only receive one of each of these bonus gifts per membership.
To receive the bonus gift for opening a new consumer or student checking account, you must (i) open and fund (minimum to open $25) a new PACU Simple+ Checking account, More Checking account or Student Checking Account on or after January 5, 2026, and (ii) enroll in online banking, mobile banking and eStatements within thirty (30) days of account opening.
To receive the bonus gift for opening a new consumer share certificate account, you must: (1) have an open PACU Simple+ Checking account, More Checking account or Student Checking Account; (2) open a new consumer share certificate with a term of 12 months or longer (minimum to open 12-Month Save to Win Share Certificate $25, minimum to open all other share certificate accounts $500) on or after January 5, 2026; and (3) fund the new share certificate account at account opening with at least $100 for 12-Month Save to Win Share Certificates and at least $500 for all other share certificate account types eligible for this promotion.
Bonus gifts must be claimed within 90 days of opening your account. Bonus gifts may be picked up at any PACU branch location or mailed upon request at your expense. Failure to claim bonus gifts within 90 days of opening the account may result in forfeiture of the bonus gift. Colors and designs of bonus gifts may vary, and PACU reserves the right to substitute another bonus gift of equal or greater value. These bonus offers may be tax-reportable.
³Current dividend rates and annual percentage yields for share certificates are stated in the Share Certificate Truth in Savings Disclosure. As of January 1, 2026, annual percentage yields for share certificates with a term of 12 months or longer vary between 2.25% and 3.30% depending on certificate type and term length. Dividend rates and annual percentage yields are subject to change.