Business High-Yield Savings Accounts (HYSA)
Our new High-Yield Savings Account (HYSA) empowers you to grow your savings faster—safely, securely, and with the personal service you expect from us. Whether you’re planning for the future, building an emergency fund, or simply looking for a smarter way to save, a HYSA gives your savings the boost they deserve.
- Enjoy a significantly higher dividend rate compared to a standard savings account—helping your balance grow faster without added risk.
- 20X the national average on savings accounts
- Whether you’re saving for travel, education, or simply building a stronger financial foundation, your HYSA keeps you on track.
- Receive a $250 reward after 3 months of a new checking account*. Offer expires 3/31/2026
High-Yield Savings (HYSA)
- Higher dividend rates
- Accelerated growth on deposits
- No minimum balance requirements
- Ideal for both everyday savers and strategic planners
Traditional Savings
- Standard dividend rates
- Slower long-term growth
- Best for basic savings needs
Business Savings Account
PFCU’s Business Savings Account lets you earn competitive returns on excess business funds while keeping your money accessible.
- $20 minimum balance to open
- No monthly service fee or transaction fees
- No Dollar limit on deposits and withdrawals
- Dividend is paid quarterly
Business Premier Account
PFCU’s Business Premier Account includes unlimited check, ACH, debit, and teller transactions—all for one low monthly fee.
- No minimum balance requirement
- Complimentary Business VISA® Debit Card with access to over 45,000 ATM locations
- Access to your account via over 5,000 shared branching credit union locations nationwide for a nominal fee
- Complimentary cash/coin deposits & withdrawals combine for up to $100,000
- Complimentary Night Drop facility at our Georgia & Alabama locations
- Business Bill Pay offers convenient features like payroll direct deposit, tax payments, and multi-user access—all designed for your business needs
Limited Check Cashing Account
PFCU’s Limited Check Cashing Account supports businesses handling third-party checks, with unlimited transactions and specialized deposit options for streamlined operations.
- No security deposit required as the third-party check face amount for this account is less than $1,000
- Complimentary Business VISA® Debit Card with access to over 45,000 ATM locations
- Access to your account via over 5,000 shared branching credit union locations nationwide for a nominal fee
- Business Remote Deposit Capture
- Complimentary Night Drop facility at our Georgia & Alabama locations
- Business Bill Pay offers convenient features like payroll direct deposit, tax payments, and multi-user access—all designed for your business needs
Money Service Business Account
This account offers unlimited coin, currency, check, ACH, debit, and teller transactions, plus flexible options for third-party check deposits.
- Security deposit required for third-party checks with face amount over $3,000
- Complimentary Business VISA® Debit Card with access to over 45,000 ATM locations
- Access to your account via over 5,000 shared branching credit union locations nationwide for a nominal fee
- Business Remote Deposit Capture
- Complimentary Night Drop facility at our Georgia & Alabama locations
- Business Bill Pay offers convenient features like payroll direct deposit, tax payments, and multi-user access—all designed for your business needs
Business Basic Checking
The Business Basic Checking is ideal for managing day-to-day business finances with ease and flexibility.
- Up to $5,000 in Cash/Coin Deposit/Withdrawal Free per month
- Business Remote Deposit Capture
- Complimentary Business VISA® Debit Card with access to over 45,000 ATM locations
- Access to your account via over 5,000 shared branching credit union locations nationwide for a nominal fee
- Free Night Drop facility at our Georgia & Alabama locations
- Domestic and International Wire Transfer facility available
- Business Bill Pay offers convenient features like payroll direct deposit, tax payments, and multi-user access—all designed for your business needs
Business Select Checking
The Checking Account for businesses with limited cash transactions needs comes with unlimited check, ach and teller transactions for a one low monthly fee of $19.99.
The following features apply to Platinum FCU’s Limited Cash Transactions Account:
- Free Mobile/Home Banking with text message alerts
- Free Notary Services
- Letter of Credit for Georgia Lottery, Money Order, Gasoline, Utility companies, etc.
- Access your checking account via over 5,500* shared branching credit union locations Nationwide
- No Minimum Balance Requirement
- Choose between Monthly E-Statements or Print Statements both with check images
- Free Direct deposit/Debit Transactions
- Up to $20,000 in Cash/Coin Deposit/Withdrawal Free per month. Fee of 6 cents per $100 for Cash/Coin Deposit/Withdrawal over $20,000 per month via armored service or 12 cents per $100 for in branch cash transactions.
- Free Unlimited Check transactions
- Free Unlimited Teller transactions
- Free Night Drop facility at our Georgia Locations
- Next Day Clearing on Most of your Check Deposits
- Safe Deposit boxes available at Georgia Locations for secure corporate document storage
- Both Domestic and International Wire Transfer facility available
- One of the Best Bill Pay designed specifically for Business members available at no additional charge, if at least one bill payment is made a month. If no bill payment is made for any month the account will be charged $5.95 for that month. This includes payroll direct deposit, tax payments, multiple logins, etc.
Business ATM Account
The Business ATM Account is ideal for low-cash businesses, offering unlimited ACH and teller transactions.
- Access to your account via over 5,000 shared branching credit union locations nationwide for a nominal fee
- Free Night Drop facility at our Georgia & Alabama locations
- Up to $20,000 in Cash/Coin Deposit/Withdrawal Free per month
- Remote Deposit Capture
ITF GA Lottery Account
The ITF Georgia Lottery Checking Account offers unlimited check, ACH, and teller transactions—ideal for lottery retailers.
- Access to your account via over 5,000 shared branching credit union locations nationwide with a nominal fee
- Complimentary Night Drop facility at our Georgia & Alabama Locations
- Up to $20,000 in Cash/Coin Deposit/Withdrawal
ITF Georgia COAM Account
The ITF Georgia COAM Account offers unlimited check, ACH, and teller transactions—ideal for lottery retailers.
- Access to your account via over 5,000 shared branching credit union locations nationwide with a nominal fee
- Complimentary Night Drop facility at our Georgia & Alabama locations
- Up to $20,000 in Cash/Coin Deposit/Withdrawal included per month
Business Money Market Account
Platinum FCU’s Business Money Market Account offers competitive, tiered rates—perfect for growing your savings while keeping funds accessible.
- Tiered interest rates
- Up to $20,000 in Cash/Coin Deposit/Withdrawal Free per month
- No monthly fee with an average balance of $1,000
- No dollar limitations on deposits or withdrawals
- Sweep options available – Easily move excess funds between accounts to optimize cash flow and maximize earnings
Business CD
Platinum FCU’s Business Certificate Accounts offer fixed returns, flexible terms from 6 to 60 months, and competitive rates for secure, predictable growth.
- Short-Term Certificate: For business members wanting a quick return on their investment, generally payable or reaching maturity within a relatively brief time, usually less than one year.
- Long-Term Certificate: For business members wanting to invest their money for longer than one year, generally receiving a higher rate of return.
- There is an early termination fee if you choose to withdraw funds before maturity.
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Home Lending
Digital Banking
High Yield Savings Account
Credit Cards
Wire Transfers