Regular Savings Shares is the backbone of your account.

Regular Savings Share benefits include:

• NO penalties for early withdrawal
• Dividends earned on all balances
• 24-hour access through STAR® ATMs

In addition to your Personal Regular Savings Shares, there is a minimum $5 balance that is used to maintain your PSECU membership.

Vacation Shares can help you save for that special vacation or trip.

Vacation Savings Share benefits include:

• NO penalties for early withdrawal
• Dividends earned on all balances
• Deposits can be made at your convenience at anytime for any amount

While Vacation Savings Shares are similar to Regular Savings Shares, you cannot access these shares with a Debit Card.

Holiday Shares can help you save for that special holiday or occasion.

Holiday Savings Share benefits include:

• NO penalties for early withdrawal
• Dividends earned on all balances
• Deposits can be made at your convenience at anytime for any amount

While Holiday Savings Shares are similar to Regular Savings Shares, you cannot access these shares with a Debit Card.

Money Market Shares allow you to earn higher dividends without losing accessibility to your funds. These funds are federally insured by the National Credit Union Administration (NCUA) up to a total of $100,000 for all shares. This is the maximum amount allowed by law.

• Minimum balance to open: $0
• Minimum balance to earn APY: $500
• Rate: Declared weekly
• Dividends*: Day of deposit to the day of withdrawal. Dividends are calculated on actual daily balances. If the daily balance falls below $500, no dividends are earned until the daily balance reaches $500. Dividends are compounded daily and paid monthly into Money Market Shares.
• Withdrawal Restrictions: Minimum withdrawal by member request - $20. Money Market remains open until instructed in writing to close.
• Fees: None
• Transaction Limits: A maximum of six withdrawals or transfers per month are permitted from one share to another, to a prefix account or to a third party. No more than three of the six transfers may be made by check, draft, debit card or similar order to a third party. If the transfer limitations are exceeded, your account may be closed.
• Over draft: Is available a maximum of three times per month.
• Additional deposits: Can be made anytime. You can start or stop recurring payments or transfers at any time.

* The payment of dividends is based on the available current and undivided earnings of PSECU. The Annual Percentage Yield (APY) for a one year or less time deposit is based on the assumption that the funds will remain on deposit for a full year at the stated rate. The APY calculations are based on the assumption that the dividends remain on deposit for a full year. A withdrawal will reduce earnings. Regulations prohibit dividends in excess of available earnings.