How can We Help You?
Access your account at PFCU 24 hours a day with Home Banking or call us at 1(877) PFCU4YO (732-8496) or at (404) 297-9797. You can also text "PFCU" to 437-83 to opt-in to our text messaging system.

Personal

With a Certificate Account from Platinum Federal Credit Union, you know your exact return on investment with fixed dividend rates. Choose from 6 to 60 Month terms, depending on your investment strategy. Our competitive rates let you take advantage of risk-free* investing while enjoying the great rates you've come to expect. We offer a variety of rates for business accounts with minimum opening deposits as low as $1,000.

Short-Term Certificate: For 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 members wanting to invest their money for longer than one year, generally receiving a higher rate of return.

Account Access
Access your accounts at PFCU 24 hours a day with Home Banking.

NCUA insurance limit up of $250,000.

PFCU's Business Savings Account gives you the option to earn a competitive rate of return on the excess cash you may have in your business accounts. Open a Business Savings Account today!

  • $20 minimum balance to open
  • One time fee of $20 for Business membership
  • No monthly service fee
  • No transaction fees
  • No Dollar limit on deposits and withdrawals
  • Dividend accrues from the date of deposit
  • Dividends paid semi-annually

Celebrate Diamond Jubilee with a Diamond Jubilee Savings Account from PFCU!

Platinum Federal Credit Union is proud to introduce our Diamond Jubilee Savings Account with a 60 weeks savings Challenge for Youth and Adults. For 60 weeks, match or exceed weekly deposit goals* and we will match it with a 1% APY** monthly compounding dividend.

For more information or to open an account, visit any of our locations or visit platinumfcu.org today!

Jubilee Savings Chart

*Weekly deposit amounts vary from $2 - $20 per week for youth members and $20 - $200 for adult members. The deposit goal for 60 weeks for youth totals $600 + dividend and for adult totals $6,000 + dividend.

**Dividend rate of 1 % monthly compounding is guaranteed for sixty weeks starting May 2017 and ending July 2018. Annual Percentage Rate.

College Savings Account

Saving a little bit every pay period for your child's college with PFCU's College Savings Account can really add up.

PFCU's College Savings Accounts are insured up to $250,000 by NCUA, a government agency. Deposits in PFCU College Savings Account do not drop in value as compared with the 529 College Savings Account Equity options. PFCU pays interest rate monthly on college savings account which is equivalent to three years Certificate of Deposit interest rate as of the end of previous year. Click here for detailed information on PFCU's College Savings account and comparison with ESA Coverdell and 529 Plan.

At Platinum Federal Credit Union, we offer our members with what we call it a No Hassle Personal Checking Account which pays interest on your balance and has no minimum balance requirement, no monthly maintenance fee, free home banking, free bill pay, etc. etc. etc. Since PFCU is part of the credit union shared branching network you can access your account free of charge at one of the 5,000 credit union locations nationwide.

The following features apply to Platinum FCU's Simple Interest Bearing Checking Account:

  • Tiered interest rates - the more your balance the more it earns
  • Free VISA® Debit Card with access to over 45,000 ATM locations
  • Free Home Banking with text and email alerts.
  • Free Access to your account via over 5,000 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
  • Free Unlimited Transactions
  • Free Unilimed Teller Transactions
  • Free Night Drop Facility
  • Next Day Clearing on Most of your Check Deposits
  • Free Notary Services
  • Overdraft Lines available based on financials and credit worthiness
  • Safe Deposit boxes available at Georgia Locations for secure valuables and document storage
  • Both Domestic and International Wire Transfer facility available

Peace of mind. It’s one of the most important benefits a financial institution can provide.With unrivaled security and smart savings – it’s simple! With Platinum Secure Checking it’s easier to protect your finances, take advantage of smart discounts on financial services and everyday purchases, and enjoy your life. That’s something you can count on. The Platinum Since PFCU is part of the credit union shared branching network you can access your account free of charge at one of the 5,000 credit union locations nationwide.

The following features apply to Platinum Secure Checking Account:

  • $50 Minimum balance to open
  • Tiered Interest Rates
  • Free VISA® Debit Card with access to over 45,000 ATM locations
  • Free Home Banking with text and email alerts
  • Free Access to your account via over 5,000 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
  • Free Unilimed Transactions
  • Free Unilimed Teller Transactions
  • Free Night Drop Facility
  • 3 Free Bankers Check per month
  • First 5 ATM Fee's waived
  • Free Notary Services

With Platinum Secure Checking you also receive the following benefits at no additional cost:

  • IDProtect®
  • Cellular Telephone Protection
  • Accidental Death & Dismemberment Insurance
  • Debit Advantage®
  • Travel and Leisure Discounts
  • $hopping Rewards™
  • Family Health Discounts

Checking Account Comparison Chart

At Platinum Federal Credit Union, we offer our members with convenient Student Checking Account which pays interest on your balance and has no minimum balance requirement, no monthly maintenance fee, free home banking, free bill pay, etc. etc. etc. Since PFCU is part of the credit union shared branching network you can access your account free of charge at one of the 5,000 credit union locations nationwide. So you can attend some years of college in one state and transfer to another college across the country to finish your college and still have access to your checking account at PFCU via a physical credit union branch location in addition to hundreds of surcharge free ATM's.

The following features apply to Platinum FCU's Student Interest Bearing Checking Account:

  • Tiered interest rates - the more your balance the more it earns
  • Free VISA® Debit Card with access to over 45,000 ATM locations
  • Free Home Banking with text and email alerts.
  • Free Access to your account via over 5,000 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
  • Free Unlimited Transactions
  • Free Unilimed Teller Transactions
  • Free Night Drop Facility
  • Next Day Clearing on Most of your Check Deposits
  • Free Notary Services
  • Overdraft Lines available based on financials and credit worthiness
  • Safe Deposit boxes available at Georgia Locations for secure valuables and document storage
  • Both Domestic and International Wire Transfer facility available

Money Market Account

With Platinum Federal Credit Union, you have access to competitive rates no matter how much savings you have. Whether you're saving for an upcoming house purchase, remodeling your house, tax payments, saving for emergencies or simply trying to help your liquid money work as hard as it can, our tiered money market account is an ideal way to earn more dividends on your funds while maintaining flexibility.

  • Tiered interest rates - the more you save the more it earns
  • No monthly fee with minimum balance of $1,000; otherwise $10 per month
  • Up to six withdrawals or transfers per month
  • No dollar limitations on deposits or withdrawals
  • Convenient account access

One of the greatest challenges facing Americans today is ensuring the financial well being and security of your family throughout your retirement years. With uncertainty over the adequacy of social security growing daily, it's increasingly necessary to rely on your own savings plans and resources to support your future retirement plans.

Yet another challenge is finding money for the impending college education expenses for your children. Tuition and other collegiate expenses are on the rise, so it's a good idea to get a head start on saving for those expenses now, instead of getting caught unprepared later!

At Platinum FCU, we offer three long term savings accounts geared to help you save for your family's future: Traditional IRAs, Roth IRAs and Coverdell Education Savings Accounts (ESAs).

Invest with confidence with the help of our Member Wealth Management (MWM) team who will work closely with you to provide strategies that help with your unique situations. Our Member Wealth Management services include retirement and income strategies, investment analysis and portfolio allocation, and wealth transfer and estate planning services.

Traditional IRAs are valuable long-term savings tools that can provide safety and security for you and your family. Your contributions can be deducted from your taxable income, reducing the income taxes you are currently paying.

raditional IRA Features:

  • Can be opened and funded without any employer participation
  • Contributions and/or earnings are tax-deferred until retirement
  • Possible deductions based on retirement plan participation and income
  • Provide full accessibility to your funds; 10% early distribution penalty if younger than 59½ years
  • Completely flexible as there is no minimum contribution in any year
  • under age 70½ years may contribute a maximum of $5K per year

Platinum FCU offers a Traditional IRA that pays competitive market rates. No minimum amount is required to set up a Traditional IRA savings account. To view current rates click here or click here for the retirement calculators.

Roth IRAs offer you a very easy way to plan for the future of you and your family. Your contributions are not tax-deductible but the earnings within a Roth IRA are tax-free as long as your funds have been in the account for at least 5 years and you are either over 59½ years of age, disabled, or buying your first home.

Roth IRA Features:

  • The money you contribute to a Roth IRA has already been taxed. So the principal amount is never subject to taxes or penalties in the future, as long as you stay within the contribution guidelines.
  • Roth IRAs enable the money you contribute to grow tax-deferred. If you do not withdraw any of the earnings until you have had the IRA for at least 5 years and have a qualifying event, those earnings become tax-free
  • There is no 70½ year age limit on making contributions. You do, however, need earned income, which is defined the same as for Traditional IRAs. As long as you satisfy the Roth IRA requirements, you may contribute to a Roth IRA, even after the year in which you reach 70½ years.

Platinum FCU offers a Roth IRA that pays competitive market rates. No minimum amount is required to set up a Roth IRA savings account. To view current rates click here or click here for the retirement calculators.

Are you ready to start planning for your child’s future? There is no time like the present! And the perfect way to start is with a Coverdell Education Savings Account (ESA) from Platinum FCU.

The ESA allows after-tax contributions of $2K per year for each child until they reach 18 years of age. Contributions and earnings are tax free when withdrawn to pay for qualified education expenses which include tuition, fees, books, supplies and equipment.

Coverdell Education Savings Account Features:

  • Contributions are not tax-deductible, but the contributions may earn interest tax deferred until distributed
  • The child will not owe tax on any withdrawal from the account if withdrawal is equal to or less than the child's qualified education expenses at an eligible educational institution for the year
  • Amounts withdrawn from an ESA that exceed the child's qualified education expenses in a taxable year may be subject to income tax and to an additional penalty of 10%
  • If the child doesn't need the money for pre- or postsecondary education, the child may roll or transfer the balance to an eligible family member's ESA or to a qualified tuition program (QTP)

Platinum FCU offers a Coverdell Education Savings Account that pays competitive market rates. No minimum amount is required to set up an ESA. To view current rates click here or click here for the retirement calculators.

*The Credit Union provides no legal advice to members, and provides the foregoing information from a reliable resource to give our members a basic understanding of these services. You should consult with your tax or legal advisor regarding any particular and the current status of applicable federal and state laws.

How can We Help You?
Access your account at PFCU 24 hours a day with Home Banking or call us at 1(877) PFCU4YO (732-8496) or at (404) 297-9797. You can also text "PFCU" to 437-83 to opt-in to our text messaging system.