Deposit Rates

_{Disclaimer for Deposit Rates}

_{The following rates are subject to change without notice and represent the Annual Percentage Yield (APY) and Interest Rate for various account types at PCT Federal Credit Union. Please review the specific account details for minimum balance requirements to earn interest and to open an account.}

_{Please note that the rates mentioned above are subject to change and may vary depending on the account balance. Fees may reduce earnings on the account. For the most up-to-date information and specific account terms and conditions, please contact PCT Federal Credit Union.}

_{*APY (Annual Percentage Yield) reflects the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period. Rates are accurate as of the effective date and may change at any time.}

_{Additional Disclosures}

_{1. Federally Insured: All deposits at PCT Federal Credit Union are federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency.}

_{2. Rates Subject to Change: Rates are subject to change at any time without prior notice. Changes may occur based on market conditions, economic factors, or credit union policies.}

_{3. Dividend Calculation: Dividends are calculated using the Average Daily Balance method, which considers the balance in your account each day during the dividend period.}

_{4. Compounding and Crediting: Interest on savings accounts is compounded and credited quarterly. Interest on Certificates of Deposit (CDs) is compounded and credited according to the terms of the specific CD.}

_{5. Early Withdrawal Penalty: Early withdrawal penalties may apply to Certificate of Deposit (CD) accounts. Please refer to the account agreement and disclosures for details on penalties.}

_{6. Membership Eligibility: Membership eligibility criteria apply. To become a member of PCT Federal Credit Union, certain requirements must be met. Please contact our branch for eligibility details.}

_{7. Account Terms and Conditions: Account terms and conditions, including withdrawal restrictions, may apply. Refer to the specific account agreement and disclosures for complete details.}

_{8. Fees: Account fees may apply, which could reduce the earnings on your account. Please review our Fee Schedule for a comprehensive list of applicable fees.}

_{9. Tax Considerations: Interest earned on accounts may be subject to federal and state income taxes. Consult a tax advisor for information about your specific tax situation.}

_{10. Online and Mobile Banking: Access to account information and online/mobile banking services may be subject to terms and conditions outlined in separate agreements.}

_{11. Privacy and Security: Protecting your personal and financial information is a top priority. Please review our Privacy Policy and Security Practices for information on how we safeguard your data.}

_{12. Other Terms and Disclosures: These are general disclosures. Specific account terms, conditions, and disclosures may apply to individual accounts. Please request and review the account-specific disclosures for a comprehensive understanding of your account.}

_{For any further questions or clarification regarding these disclosures or your accounts, please contact PCT Federal Credit Union. Our team is here to assist you with your financial needs.}