Catalyst Accounts
Investment Accounts that fit the bill
Catalyst offers a variety of overnight accounts and term certificates to put your funds to work. Whether you need maximum flexibility or are looking for long-term investment opportunities, Catalyst’s account structures are designed to meet your needs.
The Cash Management Account (CMA) is a convenient, interest-bearing share account that generates dividends for PCC members. Credit unions using the CMA keep 100 percent of the interest earned on the funds they maintain for settlement. The accounts are designed to support all of your credit union’s settlement activity and can be supported with a line of credit. Our Daily Shares Account is available for non-PCC members.
The Community Investment Fund (CIF) allows credit unions to invest in Catalyst’s corporate certificates or a 90-day notice share account, while donating a percentage of the interest earned to the CIF. A range of investment options are available, and charitable contributions are made from investment returns, preserving your credit union’s investment.
PCC members earn competitive rates on overnight investments through Catalyst’s Performance Tiered Account (PTA). The higher the balance, the higher the rate of interest earned. Online account access makes monitoring and moving funds convenient. Our Standard Tiered Account is available for non-PCC members.
Perpetual Contributed Capital (PCC) is an interest-bearing investment that also entitles capitalizing members to access all Catalyst services. Dividends are reset monthly and paid quarterly. Catalyst offers one of the lowest capital requirements in the nation.
Let's talk.
Important Disclosure:
Perpetual Contributed Capital (PCC) deposits are 100 percent at risk and are not guaranteed. PCC is a one-time issuance. PCC has no annual adjustment or maturity, but PCC is transferable. PCC requirements are based on a formula requiring 0.25 percent of a credit union’s total assets as reported on its most recent year-end NCUA call report. The member-contributed capital requirement has two caps that limit the dollar amount of contributed capital for larger credit unions, as well as a proportional threshold for credit unions with less than $50 million in assets.