Deposit Services
Saving money for your future can be a complicated process. At PAC FCU, we work with you to help you determine which investment plan best meets your needs.
As a member of PAC FCU, you can take advantage of the wide variety of investment and savings account options we have to offer, all at more competitive rates than banks.
Our options include Savings, Money Market Accounts, Certificates of Deposit, and IRAs. All of our savings and investment plans are designed to make the most of your money.
Share Accounts
Consider these savings options:
- PAC FCU Share Accounts
- Dividends are calculated on your daily balance and paid quarterly
- No low-balance fees
- Immediate access to your available funds
How to Sign Up
To sign up for a PAC FCU Share Account, visit any of our branches or call a customer service representative at 248-619-0440.
Money Market Accounts
PAC FCU offers a special Money Market account for our members that earns you a higher Annual Percentage Yield. If you are interested in growing your money with a higher interest rate account, but still want easy access to your funds, a Money Market account is for you.
- Interest is calculated on your daily balance and paid monthly
- Unlimited deposits or withdrawals from the account at any of our convenient branches without penalty
- The higher the balance, the greater the return on the account
- Pays a higher interest rate.
- Requires a $2,500 minimum balance
How to Sign Up
To sign up for a PAC FCU Money Market Account, visit any of our branches or call a customer service representative at 248-619-0440.
Certificates of Deposit
PAC FCU offer a variety of Certificate of Deposits to fit your personal financial needs. Our minimum deposit requirements are low, making even small investments earn the highest possible dividends. Remember, your investment and the dividends are guaranteed throughout the life of the term by the NCUA.
- Choose from maturities of three months to five years
- Rates are usually based on the length of the CD 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
How to Sign Up
To sign up for a PAC FCU Certificate of Deposit, visit any of our branches or call a customer service representative at 248-619-0440.
Credit Union IRAs
An Individual Retirement Account (IRA) is a special savings plan that allows you to plan and save for retirement. The goal of the IRA plan is to help you reach financial stability when you retire.
PAC FCU currently offers the following IRA accounts at competitive rates:
- Traditional IRA
- Roth IRA
- We offer one-year term IRAs with high rates. Also, our three and five-year certificate IRAs give you even more options
- Federal insurance coverage and protection of up to $250,000
- Remember to check with your tax advisor regarding IRAs and your retirement options
How to Sign Up
To sign up for a PAC FCU IRA, visit any of our branches or call a customer service representative at 248-619-0440.
