Certificates of Deposit

When you want your money to grow the most possible, a certificate is what you may be looking for!  PAFCU offers certificates of deposit that range from 6 months to 5 years.  PAFCU understands that members have different savings needs. Some prefer short-term maturity while others prefer to deposit funds for a longer term to take advantage of higher dividends. PAFCU Certificates of Deposit provide a wonderful way to maximize dividends while investing funds for a fixed period of time.

Terms Offered:

  • 6 months
  • 12 months
  • 24 months
  • 36 months
  • 48 months
  • 60 months


  • Earn at a higher rate than our Share Savings or Money Market accounts
  • Fixed-rate returns for the length of your CD
  • Higher rates on longer term share certificates
  • Multiple terms offered to fit your needs
  • Funds are NCUA insured for your protection

Save to Win

Helping credit union members save money and build wealth is a cornerstone of the credit union social mission. No matter what you are saving for, every time a credit union member makes a $25 deposit into their Save to Win account, they’re entered into a drawing to win cash prizes! For every deposit growth of $25 into your Save to Win account, you will be entered to win the national prize of $5,000 quarterly and entered into PAFCU’s quarterly prize of $500. Here is how to get started:

  • Visit a PAFCU branch, email us, or call us at the information listed below. Info@peoplesadvfcu.org 804.748.3081
  • Open a 12-month Save to Win share certificate with at least $25. This will be your first entry into that month’s drawing as well as additional drawings throughout the year.
  • Make deposits into your share certificate each month. Every $25 deposit earns you an entry into the drawings, up to 10 prize entries per month.
  • Prizes ranging from $25 to $5,000 will be awarded monthly and quarterly. For a complete list of prizes click here.

When you Save to Win, you not only get a chance at winning $5,000 each quarter, but you walk away with the deposits you made over the year – plus interest. A definite win-win situation!

All accounts are subject to final approval.

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Where our mission is to enable the underserved, unbanked, and no credit population to build and fulfill dreams by taking the Peoples "Advantage".