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Email: info@pcmcu.com
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Green Bay Main Office

601 Willard Drive
Green Bay, WI 54304
Phone (920) 499-2831
Toll Free (877) 373-4023
Fax (920) 499-7548

Marinette Branch Office

1740 Stephenson Street
Marinette, WI 54143
(715) 732-4051
Fax (715) 732-4551

IRA Accounts

Term Share Certificates

PCM Credit Union’s Term Share Certificates offer a fixed rate of interest for a pre-determined period of time. Members can earn competitive rates of interest with maturities from 3 months to 4 years.

The initial interest rate is based on market conditions and can change on a weekly basis. However, once your certificate is opened, you are assured this rate for the full term of your certificate.

Your interest rate varies with the length of the certificate term. The minimum balance required is only $500. Additional deposits of at least $100 can be made on certificates with terms of 1 year or less. Dividends are available any time after they are paid, and may be transferred into another PCMCU account or mailed to you in the form of a check.

Term Share Certificate Features:

  • $500 minimum deposit to open.
  • Terms available: 3 month, 6 month, 9 month, 12 month, 18 month, 24 months, 36 month, and 48 month.
  • Special terms and rates may also be available. See rates
  • No monthly maintenance fees.
  • Quarterly statement provided.
  • Interest is compounded and credited monthly.
  • Additional deposits of at least $100 can be made on certificates with a term of one year or less.
  • 90-day early withdrawal penalty on certificates with an original maturity of one year or less.
  • 180-day early withdrawal penalty on certificates over a one-year term.
  • All certificates will automatically renew at maturity.
  • Ten-day grace period after maturity to withdraw funds without an early withdrawal penalty.

Individual Retirement Accounts

PCMCU’s member service department can help you set up an IRA, and also help explain the basics of each type of IRA offered. The credit union offers Traditional, Roth, Education and Passbook IRA Accounts.

Fixed rate IRAs are available in 6 month, 12 month, 24 month, 36 month and 48 month terms. All certificate rules apply and are subject to IRA regulations. An IRA Passbook Account is for members who want to make periodic deposits of smaller amounts. The IRA Passbook Account is a variable rate account with no initial deposit requirement. Deposits can be made by payroll deduction.

When you receive a lump-sum distribution from your retirement and/or savings plan, you may deposit such funds into an IRA Rollover Account. This will allow you to maintain the tax-sheltered status of your company’s savings/retirement plan.

IRA accounts are federally insured, separate from other PCMCU accounts, to $250,000 by the NCUA. Consult your Professional Tax Advisor for personal and financial advice.