A Better Rate
Just 9.90% Purchase APR1
Get a lower rate with PSECU’s Classic Card - now at just 9.90% purchase APR - which could save you hundreds on interest in just a few months2.

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  • Digital-First with a human touch
  • Real-time access from anywhere
  • Fewer fees and more benefits

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Exclusive Offers

Classic Card

No Interest in Paying Interest?

We’ve got two ways for you to save with a Classic Card.

New cardholders get 0.00% Intro APR1 for up to 12 months on purchases made in the first 3 months. Must make first purchase by September 30, 2026.

0.00% APR2 good through June 30, 2027, on balance transfers that post between July 1 - September 30, 2026. A 2.9% balance transfer fee applies to each balance transfer that posts to your account during the promotional period.

After each promo ends, you’ll enjoy a low 9.90% purchase and balance transfer APR4.
Home Equity

Your Equity, Your Way

Home Equity Loans + Lines of Credit

Put the value of your home to work for you with equity products from PSECU, including loans and lines of credit. Enjoy competitive rates, low monthly payments, repayment terms up to 20 years, no PSECU application fees, and an easy application process.
Personal Loans

When Life Calls, We'll Help You Answer

With rates as low as 8.99% APR*

Our personal loans are affordable, fast, accessible, and personalized. With flexible terms and loan amounts, we help you get the money you need, tailored to fit your budget.
Classic Card

No Interest in Paying Interest?

We’ve got two ways for you to save with a Classic Card.

New cardholders get 0.00% Intro APR1 for up to 12 months on purchases made in the first 3 months. Must make first purchase by September 30, 2026.

0.00% APR2 good through June 30, 2027, on balance transfers that post between July 1 - September 30, 2026. A 2.9% balance transfer fee applies to each balance transfer that posts to your account during the promotional period.

After each promo ends, you’ll enjoy a low 9.90% purchase and balance transfer APR4.
Home Equity

Your Equity, Your Way

Home Equity Loans + Lines of Credit

Put the value of your home to work for you with equity products from PSECU, including loans and lines of credit. Enjoy competitive rates, low monthly payments, repayment terms up to 20 years, no PSECU application fees, and an easy application process.
Personal Loans

When Life Calls, We'll Help You Answer

With rates as low as 8.99% APR*

Our personal loans are affordable, fast, accessible, and personalized. With flexible terms and loan amounts, we help you get the money you need, tailored to fit your budget.
Classic Card

No Interest in Paying Interest?

We’ve got two ways for you to save with a Classic Card.

New cardholders get 0.00% Intro APR1 for up to 12 months on purchases made in the first 3 months. Must make first purchase by September 30, 2026.

0.00% APR2 good through June 30, 2027, on balance transfers that post between July 1 - September 30, 2026. A 2.9% balance transfer fee applies to each balance transfer that posts to your account during the promotional period.

After each promo ends, you’ll enjoy a low 9.90% purchase and balance transfer APR4.
Home Equity

Your Equity, Your Way

Home Equity Loans + Lines of Credit

Put the value of your home to work for you with equity products from PSECU, including loans and lines of credit. Enjoy competitive rates, low monthly payments, repayment terms up to 20 years, no PSECU application fees, and an easy application process.
Personal Loans

When Life Calls, We'll Help You Answer

With rates as low as 8.99% APR*

Our personal loans are affordable, fast, accessible, and personalized. With flexible terms and loan amounts, we help you get the money you need, tailored to fit your budget.

What makes us different

We're different than a bank.

We're a full-service, digital-first credit union. And as a credit union, we're member-owned and not-for-profit, which means fewer fees and more benefits for you. Our members have access to these perks every day, and after our quick application process, you could, too:

  • We make our members feel valued, cared for, supported, and empowered to take control of their finances and dreams. Our sophisticated online and mobile banking platforms put you in control, so you can manage your money whenever, wherever you want. Plus, you can get 24/7 assistance via chat, send us a secure message in digital banking, or contact us via phone. 

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Check Out Our Products & Services

At PSECU, we're proud to offer you services that help you with your unique financial needs. After all, it’s what we do best. Explore the ways you can grow your relationship with us.

View All Member Services
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Savings Accounts

Every PSECU membership starts with a dividend-earning savings account requiring only $5 to establish and maintain.
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Checking Accounts

Access your money wherever, whenever via a free checking account with no minimum balance or monthly service fee.
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Auto Loans

With low auto loan rates, flexible terms, and fast approval, we make it easy to get the new or used ride you want.
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Credit Cards

Choose from cards offering low interest rates on purchases and cash advances or cash rewards with no earnings limits.
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Mortgages

Apply for prequalification (even if you're 
not a PSECU member yet) to capitalize on competitive PA mortgage options.
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Personal Loans

Explore convenient and affordable ways to borrow money and get quick access to the cash you need, when you need it.
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Certificates

Whether you're investing for the short or long term, we have a certificate to help you reach your financial goals.
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Individual Retirement Accounts (IRAs)

Plan for the future with retirement and education savings accounts and certificates federally insured up to $250,000.
PSECU-Website-Debt-Consolidation-Services-2-Home-Equity-Loans-1

Home Equity

Get the cash you need now and the peace of mind you'll want later with our home equity products.
PSECU-Website-Homepage-Services-Savings

Savings Accounts

Every PSECU membership starts with a dividend-earning savings account requiring only $5 to establish and maintain.
Grandfather, Father, and Son fishing on a sunny afternoon

Checking Accounts

Access your money wherever, whenever via a free checking account with no minimum balance or monthly service fee.
Young woman in a headscarf smiling in her car

Auto Loans

With low auto loan rates, flexible terms, and fast approval, we make it easy to get the new or used ride you want.
PSECU-Website-Homepage-Card-Comparison

Credit Cards

Choose from cards offering low interest rates on purchases and cash advances or cash rewards with no earnings limits.
A young girl carrying a moving box into a house

Mortgages

Apply for prequalification (even if you're 
not a PSECU member yet) to capitalize on competitive PA mortgage options.
A couple cooking dinner together

Personal Loans

Explore convenient and affordable ways to borrow money and get quick access to the cash you need, when you need it.
A couple walking their dog

Certificates

Whether you're investing for the short or long term, we have a certificate to help you reach your financial goals.
A man with white hair holding a tennis racket and laughing

Individual Retirement Accounts (IRAs)

Plan for the future with retirement and education savings accounts and certificates federally insured up to $250,000.
PSECU-Website-Debt-Consolidation-Services-2-Home-Equity-Loans-1

Home Equity

Get the cash you need now and the peace of mind you'll want later with our home equity products.

Trusted banking

We've been helping members reach their financial goals since 1934.

Membership = Confidence
You work hard for your money. We work hard to help you take care of it. As a not-for-profit credit union, we work for our member-owners instead of corporate stockholders, and we've been doing so successfully for 90+ years. You can feel good about banking with us because we're here for you for the long haul.
How We Serve Our Members
Membership = Guidance
Our money management tips, financial education program, and digital banking know-how allow you to bank confidently, knowing you're making the best money decisions for you and your family.
View Resources
Membership = Perks
Gotchas like hidden fees aren’t our thing. Instead, we’re into gimmes like free checking and surcharge-free ATMs plus rebates2, as well as little extras you’ll put to good use - like a free credit score service3 and discounts on TurboTax®, SimpliSafe™, and more.
View All Member Services
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Hear From Our Members
"At PSECU, I consistently feel able to control my funds. Cash is easily moved between accounts. Rates are fairly competitive compared to major bank institutions, and customer support is easily accessible."
Lashawn C., PSECU Member

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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member

1 APR denotes Annual Percentage Rate. Rates, terms, and conditions are subject to change. Please see the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Credit Card Account Opening Disclosure and the Visa® Classic, Visa® Alumni Classic, and Secured Visa® Consumer Credit Card Agreement and Disclosure for full terms and conditions.

2The average APR on credit card accounts carrying a balance was approximately 21% in February 2026 (Federal Reserve). The average credit card balance was approximately $6,768 in 2025 (Experian). Based on a simple annual interest comparison using these figures, a 9.9% purchase APR could reduce annual interest costs by up to hundreds over time. Illustrative example only. Actual savings may vary.