PFD savings plan

SAVE, SPEND, and STASH your PFD

Make the most of your PFD. We’ll show you how.

SAVE SPEND STASH
Ways to SAVE, SPEND, and STASH your PFD

SAVE. SPEND. STASH.

Start the habit of saving your PFD

When the PFD comes, it can be tempting to splurge—but we recommend you save money first. PFD time is the perfect opportunity to put some of your money into a Savings or Certificate account currently up to 5.00% Annual Percentage Yield (APY).*

You’ll create an instant emergency fund and start the habit of saving your PFD year after year for something big—like a down payment on a home.

Open an account

Spend money on yourself

Smart spending can help you build credit. Use a Global Visa® Credit Card to make your purchases and pay it off every month. Not only will your credit rating thank you, but you’ll also earn points you can use for travel and merchandise.

Want to help your young adult build credit? Use their PFD to back a Global Secured Visa® Credit Card to give them a head start on building credit and developing smart financial instincts.

Apply for a credit card

Grow your money

College savings, mortgage down payments, retirement—having money for the milestones in your life is just as important as your everyday spending.

Grow your money by putting it into variable-term accounts like Certificates, or long-term IRAs, or even into a College Savings Account. Stashing some of your PFD now is the best way to ensure you have the money you need years from now.

Learn more about IRA Certificates

Ways to SAVE, SPEND, and STASH your PFD

Save with Certificate accounts

A low-risk investment that helps grow your savings by earning competitive rates for fixed terms. Rates as high as X.XX% APY.*

Take charge of healthcare costs

Use a Health Savings Plan (HSA) to save for qualified medical expenses not covered by your High Deductible Health Plan.

Put it on a Global Visa Credit Card

Versatile rewards and affordable, fixed rates let you shop with confidence. Fixed APR as low as 10.5%*

Get a Global Secured Visa Credit Card

Rebuild credit, establish positive credit history, and improve your credit score with a little help from your savings.

Stash it for a sunny retirement

Enjoy the tax advantages of an IRA while you build your retirement fund and diversify your investments.

NEW—IRA Certificates

Make a steady investment in your future with an IRA Certificate. >>View special rates.

Learn how to maximize your savings

How to Build an Emergency Fund

Rainy day savings provide shelter from life’s storms.

How to Save Money on Groceries

Grocery prices are rising, but we all need to eat.

What It Means to “Pay Yourself First"

Make saving a priority — put your future self first

*5.00% Annual Percentage Yield (APY) applies to a $500 minimum
deposit for 6 Months, is effective as of 8/18/2023, and is subject to change without notice. Once the certificate is issued the APY will remain fixed until maturity. Subject to early withdrawal penalties. Fees could reduce the earnings on the account.