Certificate of Deposits

Specifically designed for members to use as a safe and profitable investment for savings, our CDs or Term Share Certificates may be just what you’re looking for.

Certificate of Deposits (CDs), or Share Certificates, are risk-free and federally insured by the National Credit Union Administration for up to $250,000. A CD has a fixed term, from six months to two years, and a fixed interest rate. The CD holder agrees to keep a certain amount of money on deposit until the CD matures (the term length ends). In exchange for maintaining the money on deposit for the entire term, the CD earns a higher dividend rate than a Regular Savings Account. Money withdrawn before the CD matures is charged a penalty for early withdrawal.

The minimum balance requirement for most CDs at PTFCU is $1,000 unless noted otherwise on the rate sheet. Dividends are paid monthly. You may choose to have dividends paid to you by check, by deposit to another savings account, or by having it reinvested in the certificate.

At the end of the certificate’s term, you may redeem your certificate without penalty. Otherwise, it will be rolled over for another term equal to the original certificate. If you redeem your certificate before maturity, a substantial dividend penalty will be imposed.

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2500 Perryton Pkwy
Pampa, Texas 79066-0920

Phone: (806) 665-0057
Fax: (806) 665-0533

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What Is An Equal Housing Lender?

As an Equal Housing Lender, Certified Federal Credit Union does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Under this Act, financial institutions are prohibited from discriminating on the basis of race, color, religion, national origin, sex, handicap or familial status. Under the Federal Fair Housing Act, it is illegal to:
  • Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
  • Discriminate in fixing the amount, interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property
on the basis of race, color, religion, national origin, sex, handicap or familial status.

Your funds are safe at your federally insured credit union.

All credit unions provide insurance to their members from the National Credit Union Administration (NCUA ), an independent agency of the federal government. This means that your money deposited in a federally insured credit union is insured up to $250,000, similar to the insurance provided by the FDIC (Federal Deposit Insurance Corporation) to banks.

The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA.