Share Savings

Your Share Savings account is what makes you a member of Penlanco FCU.
Getting started is easy — all you need is a $5 opening deposit and a valid photo ID.

You can choose to save automatically each payday or make deposits on your own schedule — whatever fits your lifestyle. Once your Share Savings account is open, you’ll have immediate access to add additional accounts or apply for loans with no waiting period.

Christmas Club

Don’t let the expense of the holiday season get you down. Save all year with our Christmas Club, and have a stress-free holiday season. ​​

Money Market Savings

Maximize your savings potential with our Money Market Savings account. Enjoy competitive rates while maintaining easy access to your funds.

Minimum balance is $3,000.00. Enjoy up to two withdrawals or transfers per month with no fee. Withdrawals exceeding this limit will be charged a fee according to the Fee Schedule. 

Share Certificates & IRA Certificates

For higher returns on your savings, consider our Certificates with competitive rates starting with as little as $500. Earn more while ensuring your funds grow securely.

Early withdrawal penalties apply. Withdrawal penalties impact APR.

Youth Accounts

Introduce your children to smart saving habits with our Youth Accounts, designed to make learning about money fun and rewarding.

Individual Retirement Accounts (IRA)

IRAs are a smart, tax‑advantaged way to build your retirement savings — and you can choose the option that fits your financial future best. With a Traditional IRA, you can save using pre‑tax dollars, which may lower your taxable income today while your earnings grow tax‑deferred until retirement. A Roth IRA lets you contribute after‑tax dollars, offering the benefit of tax‑free qualified withdrawals when you’re ready to use those funds down the road.

Health Savings Accounts (HSAs)

Health Savings Accounts are a smart, tax‑advantaged way to save for today’s healthcare needs while planning ahead for the future.