Rates
- Checking, Savings & Money Market
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| Description | APY* | Rate |
| Checking | .10% | .10% |
| Money Market | .30% | .30% |
| Reg / Vacation / Christmas / S5 / IRA | .25% | .25% |
Rates and information are subject to change at any time. Fees could reduce earnings on the account(s). The disclosed dividend rates are variable and may change after the member opens the account(s). Regular Share Accounts require a minimum balance of $5 to open the account. Money Market accounts require a minimum of $500 to earn the advertised APY. Full disclosure.
*APY denotes Annual Percentage Yield
- Certificates & IRAs
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| Description | APY* | Rate |
| 3 months | .25% |  0.25% |
| 6 months | .40% | 0.40% |
| 9 months | .40% | 0.40% |
| 12 months | .60% | 0.60% |
| 18 months | .60% | 0.60% |
| 24 months | .90% | 0.90% |
| 36 months | 1.20% | 1.19% |
| 48 months | 1.60% | 1.59% |
| 60 months | 1.90% | 1.88% |
Rates and information are subject to change at any time. Recurring deposits may be made into the certificate through automatic transfers (ATS) only. You may set up recurring deposits through ATS within 30 days after the certificate is purchased. Deposits can be stopped or reduced at any time. This rate will be paid until the certificate matures. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before the maturity date. Upon renewal, the term will be the same as the original term. You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to renew. Dividends will not accrue on the certificate after the maturity date unless it is renewed. A penalty will be imposed for early withdrawal. A minimum daily balance of $500 must be maintained in order to earn the disclosed APY. Full disclosure.
*APY denotes Annual Percentage Yield
- Credit Cards
-
| Description | APR* |
| Visa Cash Advance | 9.90% |
| Visa Purchase | 9.90% |
*APR denotes Annual Percentage Rate
Rates and information are subject to change at any time.
- Vehicle Loans
-
| Description | Term | APR* |
| New / Used Auto | 1 -36 Months | 1.49% |
| New / Used Auto | 37 -60 Months | 2.49% |
| New / Used Auto | 61 -72 Months | 4.99% |
| New / Used Auto | 73 -84 Months | 5.99% |
| New / Used Auto | 85 -120 Months | 7.99% |
| Used/New Recreation | 1 -84 Months | 9.90% |
Vehicle Loan Terms
| Value |
Months |
| Over $40,000 |
Up to 120 months |
| Over $20,000 |
Up to 84 months |
| Over $12,000 |
Up to 72 months |
| Over $8,000 |
Up to 60 months |
| Over $6,000 |
Up to 48 months |
| Over $3,000 |
Up to 36 months |
Rates reflect a .25% APR reduction for Automatic Payment Service and loan amounts up to 100% of the retail value of the vehicle. Your rate will increase if you discontinue Automatic Payment Service. PSECU will charge an additional 2% to the current interest rate when financing a vehicle for more than 100% and up to 130% of the retail value. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book ® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are subject to change. For more information, see our loan disclosures.
Kelley Blue Book is a registered trademark of the Kelley Blue Book Co., Inc.
*APR denotes Annual Percentage Rate
- Personal Service Loan
-
| Description | APR* |
| PSL | 12.90% |
Rates and information are subject to change at any time. Personal lines of credit are variable-rate loans.
*APR denotes Annual Percentage Rate
- Home Equity Loan
-
| Description | APR* |
| Home Equity Line of Credit Loan-to-Value up to 80% | 3.25% |
| Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% | 3.75% |
| 5 Year Equity Loan-to-Value up to 80% | 3.99% |
| 5 Year Equity Loan-to-Value greater than 80% to 90.00% | 4.49% |
| 10 Year Equity Loan-to-Value up to 80% | 4.74% |
| 10 Year Equity Loan-to-Value greater than 80% to 90.00% | 5.24% |
Rates and information are subject to change at any time. Home Equity Line Of Credit: The 3.25% APR variable rate applies for loan-to-value (LTV) up to 80%. For a LTV greater than 80% up to 90%, the variable rate is 3.75% APR. Five-year advance period with a twenty-year repayment term from the date of the last advance. Minimum credit line amount $5,000. Minimum advance $500. Interest rate is variable. Monthly payment may vary. Interest rate will be equal to the prime rate or prime rate plus .5% as published in the last issue of the Wall Street Journal on the last day before the most recent full calendar month. The maximum APR is 21%. The minimum APR is 3%. Real Estate Equity Loan: The 3.99% APR is a fixed rate for a 60-month term and LTV up to 80%. All real estate equity (REE) loan rates are fixed: 4.49% APR for 60 months, LTV greater than 80% up to 90%; 4.74% APR for 120 months, LTV up to 80%; and 5.24% APR for 120 months, LTV greater than 80% up to 90%.
*APR denotes Annual Percentage Rate
- Mortgage (Fixed)
-
| Description | Rate as low as | APR* |
| 15-year Fixed 0 points | 3.375 | 3.576% |
| 15-year Fixed 1 points | 3.250 | 3.597% |
| 15-year Fixed 2 points | 3.125 | 3.619% |
| 15-year Fixed 3 points | 3.000 | 3.643% |
| 30-year Fixed 0 points | 4.125 | 4.347% |
| 30-year Fixed 1 points | 4.000 | 4.304% |
| 30-year Fixed 2 points | 3.875 | 4.263% |
| 30-year Fixed 3 points | 3.750 | 4.222% |
Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose,
credit score and subordinate financing. Rates apply to loans up to Fannie Mae's conventional mortgage loan limits. Please contact us for specific
rate information, mortgage loan limits or down payment requirements at 717.234.8484 - extension 3864, Harrisburg or 800.237.7328 - extension 3864,
nationwide (USA).
*APR denotes Annual Percentage Rate
- Mortgage (Adjustable)
-
| Description | Rate as low as | APR* |
| 15-year Variable | 2.750% | 2.796% |
| 30-year Variable | 3.250% | 2.758% |
Rates may change daily, are subject to change without prior notice, and apply to loans up to Fannie Mae's conventional
mortgage loan limits. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 717.234.8484 ext 3864 in
Harrisburg or 800.237.7328 ext 3864 nationwide. The annual percentage rate may increase after consummation.
*APR denotes Annual Percentage Rate
- Personal Loans
-
| Description | APR* |
| Signature Loan | 10.90% |
Rates and information are subject to change at any time. Personal loans are variable-rate loans.
*APR denotes Annual Percentage Rate
Rates, and information, are subject to change at any time.