Stay ahead with smart savings
Earn 4.65% APY1 for 12 months with a Share Term Certificate (STC) Account and get a fixed-rate term for reliable growth.
Bank better with Pinnaclecredit
Premium Online Savings
Treat your year-end bonus right and earn over 7X the national average.
Tap & Go Holiday Shopping
Safe and secure holiday shopping starts with PenFed’s digital wallet.
Why choose Pinnaclecredit?
We’re a cooperative owned by you, our members
As a not-for-profit member-owned cooperative, we are focused on providing you with the best products and services for your financial success.
We’ve been a trusted financial provider since 1937
Grounded in the credit union philosophy of People Helping People®, Pinnaclecredit is committed to meeting the needs of our members and communities. That commitment will never change.
We’re here every step of the way
We provide products and services designed for every stage of your financial journey.
Simple and secure
Forget those hard-to-remember passwords! Passkeys let you log in with a simple fingerprint or face scan. It’s fast, easy, and secure.
Pinnacle in your community
Pinnacle’s bringing our friendly faces to billboards, airports, and your neighborhood.
APY=Annual Percentage Yield. Rates are effective as of 12/01/2024 and are subject to change before or after account opening without notice. Rates vary by tier and apply to the full balance.
The following variable interest rates will apply to your account balance: 4.25% APY on balances of $250,000.00 or greater, 4.00% APY on balances between $100,000.00 and $249,999.99, 3.51% APY on balances between $50,000.00 and $99,999.99, 3.00% APY on balances up to $49,999.99.
In order to attain higher interest rates the account must meet the eligibility requirements, that is a Pinnaclecredit checking account (opened under the same Member Number) with a total monthly deposit of $500 or more. If the account fails to meet eligibility, the lower interest rate of 0.05% APY will be defaulted. Qualifying deposit transactions include: Payroll direct deposits, Social Security (or other government benefit) direct deposits, ACH transfers, Zelle®, Venmo, PayPal or other similar deposits, cash deposits, check deposits (except checks written from another Pinnaclecredit account), wire transfers, multiple deposits (of the types listed above) that add up to at least $500 in a calendar month. Qualifying deposit transactions do not include Pinnaclecredit account-to-Pinnaclecredit account transfers, chargebacks or promotional incentive payments from Pinnaclecredit.