Savings & Certificates

First Commonwealth offers a full array of savings services for you and every member of your family. Our accounts are designed for ease of access to your funds and cost effectiveness!

Share (Savings) Account
All members are required to open a basic savings account and maintain a minimum balance of $5. This is what makes you an official credit union member. Basic savings accounts earn competitive dividends. Once a savings account is opened, you can open a checking account, certificates, club accounts, IRAs, high-yield accounts and more. See current rates below.

Share Certificates
Earn a higher yield with a regular or IRA certificate. Terms range from 90 days up to 10 years. The minimum balance requirement is $500. Certificates may be opened through a HomeLink online banking account or at any of our convenient branch offices. See current rates below.

FlexClub Accounts
The best way to save for a vacation or holiday spending. You can set up regular deposits that can be deducted from each pay. FlexClubs may be opened through a HomeLink online banking account or at any of our convenient branch offices. See current rates below.

Savings11.01.09
Type	Minimum Balance	Dividend Rate	APY1
Share/Savings	$5	0.30%	0.30%
Flex Club Savings	None	0.30%	0.30%
IRA Savings	None	0.30%	0.30%
Health Savings	$10,000 or greater	1.29%	1.30%
	$1,500 or greater	0.75%	0.75%
	Less than $1,500	0.40%	0.40%
Mortgage Escrow	None	0.25%	N/A
1APY denotes Annual Percentage Yield. Dividend rates and APY's are variable and may change after the account is opened. Fees could reduce the earnings on the account.

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Share & IRA Certificates11.10.09
Term	Dividend Rate2	APY1
3 Months	0.80	0.80
6 Months	1.00	1.00
9 Months	1.19	1.20
12 Months	1.29	1.30
18 Months	1.49	1.50
24 Months	1.74	1.75
30 Months	1.98	2.00
36 Months	2.23	2.25
48 Months	2.47	2.50
60 Months	3.06	3.10
1APY denotes Annual Percentage Yield. 2The dividend rate will be paid until the certificate matures. Upon maturity of the certificate, unless you contact us prior to maturity, the certificate will automatically renew to the original term and at the current rate in effect at the time of maturity. A penalty will be applied for early withdrawal. $500 minimum balance to open.