Police And Fire FCU (PA/DE/NJ) Ups 9-Month Certificate Rate


Deal Summary: 9-Month Certificate, 1.15% APY, $1k minimum deposit

Availability: Residents of Pennsylvania, Delaware, and New Jersey with American Consumer Council membership; Active/retired Philadelphia police officers and firefighters; 400+ SEGs.

Pennsylvania-based Police and Fire Federal Credit Union (PFFCU) raised the rate on its 9-month Certificate (1.15% APY) at the beginning of the month. This recent addition of 25 basis points has resulted in an APY above 1.00% for the first time in nearly seven years. The minimum deposit is $1k, with no stated balance cap.

4.00%$500-Police and Fire Federal Credit Union9 Month IRA (Traditional, Roth)
4.00%$1k-Police and Fire Federal Credit Union9 Month CD
Rates as of February 27, 2024.

The 9-month Certificate is also available as an IRA (Traditional, Roth, CESA) earning the same APY, with the same funding requirement.

As stated on PFFCU’s Fee Schedule page, the Early Withdrawal Penalty reads as follows:

9 to 24 months — forfeiture of 180 days dividends.


Headquartered in Philadelphia, Police and Fire Federal Credit Union offers membership to all residents of Pennsylvania, Delaware, and New Jersey through membership in the American Consumer Council.

Employment: As the Credit Union’s name suggests, “Any active or retired Philadelphia police officer or firefighter is eligible” to join. In addition, employees of more than 400 SEGs qualify or membership.

Affiliation: Members of nearly 100 associations and organizations are also eligible to join.

Relationship: Family members (parent, grandparent, child, sibling) of current PFFCU are also membership eligible.

Joining PFFCU and/or opening a CD can be done to any of ten Pennsylvania branches located in Bensalem, Philadelphia (8), and Warminster, or the Washington Township, New Jersey branch.

PPFCU has an online application that starts the process.

Your online application will be reviewed within one business day and upon approval, PFFCU will send a copy of the application to you for your signature. Your initial deposit will be debited from your existing account and credited into your new PFFCU account within 2 to 5 business days.

Credit Union Overview

Police and Fire Federal Credit Union has an overall health grade of "A+" at DepositAccounts.com, with a Texas Ratio of 1.93% (excellent), based on December 31, 2016 data. In the past year, PFFCU increased its total non-brokered deposits by $160.43 million, an excellent annual growth rate of 4.49%. Please refer to our financial overview of Police and Fire Federal Credit Union (NCUA Charter # 2551) for more details.

Chartered in 1938, Police and Fire Federal Credit Union is currently Pennsylvania’s second largest credit union, with more than 253,000 members and assets in excess of $4.5 billion. Following a year of impressive growth, PFFCU has recently expanded its footprint with a new full-service branch in Springfield.

How the CD Compares

When compared to the similar length of term CDs tracked by DepositAccounts.com, requiring a similar minimum deposit and available within the FOM, Police and Fire Federal Credit Union’s 9-Month CD APY currently ranks second.

The above rates are accurate as of 4/13/2017.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table or our Rates Map page.

  |     |   Comment #1
having that $15 lifetime ACC comes in handy
  |     |   Comment #2
definitely true. Gets you into lots of credit unions
Top Long-Term CD Rates at Police & Fire Federal Credit Union - PA Only

It's getting harder finding 2% CDs especially at large banks and credit unions which are available to large parts of the country. One large credit union that's still offering a 2% CD is Police and Fire Federal Credit Union. It has a 2.00% APY 5-year CD and IRA CD with a $500 minimum deposit. Its 3-year and 4-year CD rates are also competitive with yields of 1.50% and 1.75%. These rates are listed on the credit union's rates page as of 8/15/2012.

PFFCU had been offering 3% 5-year CDs a year...

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Top CD Rates in Pennsylvania at Police & Fire Federal Credit Union - PA Only
It has been a while since I mentioned Police and Fire Federal Credit Union, but they should not have fallen off my radar. They continue to offer top long-term CD and IRA CD rates. The two best are the 5-year CD with a 3.00% APY and the 4-year CD with a 2.50% APY. Minimum deposit is $500. These rates are listed on the credit union's rates page as of 7/19/2011.

One downside is a large early withdrawal penalty. According to the truth in savings disclosure, the EWP for terms of 30...

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Why Police and Fire FCU CD Rates Have Been So High

Police and Fire Federal Credit Union (PFFCU) reduced its CD rates in January, but its long-term CD and IRA CD rates continue to be very competitive. The best is its 5-year CD which has a 3.00% APY. Other competitive rates include a 2.50% APY 4-year CD and a 2.00% APY 3-year CD. Minimum deposit is $500. These rates are listed in the credit union’s rates page as of 1/5/2011.

As a comparison to internet banks on 1/5/2011, the best 5-year CD rate is 2.75% APY at Salem Five Direct and the...

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Top Long-Term CD and IRA CD Rates Continue at Police and Fire FCU - PA Only

Police and Fire FCU (PFFCU) continues to offer a 3.25% APY 5-year CD and IRA CD. Other top long-term rates include a 2.75% APY 4-year CD and a 2.25% APY 3-year CD. These rates are listed in the credit union's certificates rates page as of 11/04/2010.

As a comparison with internet banks, the best 5-year CD rate is currently 2.75% APY at Sallie Mae Bank and the best 3-year CD rate is currently 2.25% APY at iGObanking.com.

PFFCU has a good refer-a-family-member deal. You can make $25 per family member who joins...

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Update on Membership Eligibility and CD Rates at PFFCU

Update 7/7/2010: I'm afraid PFFCU is off the nationwide list. The credit union has added the following requirement for Weavers Way Coop members: "must be a resident of PA, NJ or DE". I'm afraid this makes it clear that they don't want out-of-area members.

I'm adding Police and Fire Federal Credit Union (PFFCU) to my list of nationwide accounts. Thanks to Alan who described in the comments how anyone can join Weavers Way Cooperative Association to qualify for PFFCU membership. This association is one of many listed under "Associations and Organizations"...

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