Members Achieve More

More gimmes + less gotchas = modern digital banking. Become a member and let your money live in the 21st century.
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WE ARE Banking for Nittany Nation

Anyone who bleeds blue and white is eligible to join PSECU and take advantage of all credit union membership has to offer. As The Official Financial Services Provider of the Penn State Alumni Association, we’re proud to offer better banking and membership perks to alumni, friends, and fans.


Show your pride > 

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Auto Loan Rates as Low as 2.49% APR*

Drive home even more savings with our recently lowered rates for 48, 60, and 72-month terms. Whether you’re buying new, purchasing preowned, or looking to refinance, members have access to the same great rate. Learn more about the low rates and fast approvals that make us one of Pennsylvania’s top auto lenders.


Auto loan options >

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Equity Loan Rates Starting at 3.115% APR*

Get the cash you need in a lump sum or set up a line of credit to pull from over time. These flexible borrowing options are perfect for everything from home improvements to debt consolidation and have no application or appraisal fees. Plus, our Real Estate Equity Loans rates have recently dropped.


Unlock your home's equity > 

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:

Surcharge-free ATMs

Wherever you go, you’re likely close to one of the 30,000+ surcharge-free ATMs in our network. Can’t find an in-network ATM near you? No need to worry. If you use your PSECU debit card at an out-of-network ATM and get charged, we’ll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without.

Free checking accounts (No monthly service fees!)

No fees to open or maintain your account, plus no minimum balance requirements.

Free checks

While you may not use them every day, there are still times you’ll need paper checks. But you shouldn’t have to pay for them - get basic-style checks free with your account.

Debit card rewards

Pay with your PSECU debit card and you can earn $.05 or $.10 on eligible purchases**.

Free Overdraft Protection Transfer Service

Members can enroll in the Overdraft Protection Transfer Service, a service that will pull money from another share or loan account in the event your checking account does not have sufficient available funds to pay incoming transactions.

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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.

Trusted Banking

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

confidence

Membership = Confidence

You work hard for your money. We work hard to help you take care of it. As a credit union, we work for our member-owners instead of corporate stockholders, and that makes a difference. You can feel good about banking with us because we’ve been making decisions that benefit our members for over 85 years. Member-owned, not-for-profit banking is that simple.

guidance

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.

perks

Membership = Perks

Gotchas like hidden fees aren’t our thing. Instead, we’re into gimmes like free checking and surcharge-free ATMs plus rebates***, as well as little extras you’ll put to good use - like free credit score service**** and discounts on TurboTax®, SimpliSafe, and more.


*APR denotes Annual Percentage Rate
**You can earn $0.10 cash rewards on eligible purchases of $10 or over with a PSECU checking account and one or more qualifying monthly direct deposits totaling at least $500. You can earn $0.05 cash rewards on eligible purchases of $10 or over for accounts with a PSECU checking account. Certain restrictions may apply. See the Visa® Debit Card Rewards Program Terms and Conditions for full details.
***If you use a PSECU debit card at an out-of-network ATM and get charged, we'll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without.
****PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.