Share Certificates


A POCU Term Share Account pays a fixed rate of interest for a predetermined period of time. The initial rate, which is assured for the full-term of your account, is determined by market conditions and can change on a weekly basis.

Feature Term Share Account IRA Term Share Account
Minimum Deposit to Open $500 $500
Fixed or Variable Rate Fixed Fixed
Minimum Balance to Earn Interest $500 $500
Balance Computation Method Daily Balance Daily Balance
Additional Deposits Not Allowed Not Allowed
Interest Withdrawal At Maturity Without Penalty At Maturity Without Penalty

Account Features & Benefits:

  • $500 minimum deposit to open

  • Terms range from six months to four years in length

  • No maintenance fees

  • Interest compounded and paid monthly, and available for withdrawal monthly

  • Automatic renewal at maturity, with a ten day grace period after maturity without penalty if you need to withdraw

  • If you need to withdraw funds before maturity, we offer a term share account-secured loan to avoid an early withdrawal penalty

  • Fees could reduce the earnings on the account

  • A penalty will or may be imposed for early withdrawal

  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, through the National Credit Union Administration (NCUA), a U.S. government agency

See our current Term Share Account rates and terms for more information.

Our comprehensive POCU Truth in Savings Disclosure 2014 is available for your convenience and review.