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Savings Accounts

Accounts to suit your style of saving

At PLCU we know the importance of saving for a financial emergency. We also know saving for a vacation or college education can be just as important. With our various savings accounts, you will be sure to find one that will meet your purpose.


Share Savings Account

Special features set our Share Savings account apart from your average savings account:

  • Competitive monthly dividends
  • Bank by phone service
  • Collateral for secured loans
  • Option of automatic deposit/direct deposit



Money Management Account

Maximize the return on your cash account, earning higher rates than normal savings and checking accounts. A Money Management account gets you close to share certificate rates without actually being a share certificate. In fact, the Money Management account is more flexible than a share certificate.

  • Dividends paid monthly on balances of $1,000 or more
  • $1,000 minimum opening deposit
  • Collateral for Secured Loans
  • Check writing convenience, 3 per month

Health Savings account offered through PLCU

Health Savings Account

A Health Savings Account, or HSA, is designed to help members or members and their families who are covered by a High Deductible Health Insurance Plan (HDHP) to take advantage of possible tax savings. HSAs are IRA-like accounts that are designed to cover medical expenses incurred by the HSA account owner, the account owner’s spouse and his or her dependents. HSA contributions are deductible and, if amounts are used for qualified medical expenses, distributions of principal and earnings are tax free.
Please consult your tax advisor for details.

 Frequently asked questions regarding HSA’s can be found on the US Treasury site.

Please call the PLCU Call Center at (858) 495-3400 or Toll-Free at (888) 495-3400 or visit any branch to open a Health Savings Account.


Holiday Club Savings account offered through PLCU

Holiday Club Account

Our Holiday Club account is perfect for when you want to save for something specific, like holiday gifts or a ski vacation. You can set up a direct deposit and get where you want to go with the same high dividends as our Share Savings account. Once a year, the week before Thanksgiving, PLCU sends you a check just in time for the holidays.

Please call the PLCU Call Center at (858) 495-3400 or Toll-Free at (888) 495-3400 or visit any branch to open a Holiday Club account.