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When you’re saving for something special

When you are planning for retirement, PLCU has accounts specially designed to help keep you on track to achieve your goals. The best part—you don’t have to do it alone. We have expert Team Members and Partners who can sit down with you and map out the best course to help you reach financial success.



Share Certificate accounts offered through PLCU 
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Individual Retirement Accounts

A tax-deferred investment in your future, your Individual Retirement Account allows you to contribute up to $5,500 a year, even if you have a retirement program where you work. The interest is tax deferred, and your spouse may also contribute,  whether or not he or she works.

  • Competitive, compounding dividends
  • Initial deposits as low as $50 for the Contributory IRA
  • No annual maintenance fee
  • Payroll deduction convenience
  • Certificate terms from one year to five years

Up to $250,000 in deposit insurance is provided for the funds in a member's retirement accounts, primarily Traditional and Roth IRAs (Individual Retirement Accounts), at one insured credit union.
In addition, the IRAs and other retirement accounts are insured separately from other non-retirement accounts at the same credit union. A member’s non-retirement accounts are also insured up to at least $250,000.