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Get $150* and more when you join. We’re different than a bank. And that difference works for your wallet. See complete rules and details below.

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Brighter Future Banking

We’re different than a bank. We’re a full-service credit union with more than 450,000 members. We’re also member-owned and not for profit. That means some of our earnings go back to you.

Some of the Ways You Save...

Free checking

We don’t require a minimum balance or charge monthly service fees. We also offer free basic-style checks and more.

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Cash rewards credit card

With our Visa® Founder's Card, earn 2%** or 1.5% cash rewards on every purchase.

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Surcharge-free ATMs

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.

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Low-rate loans

Our loan rates are among the lowest around, with low to no fees and a quick approval process

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$150 Direct Deposit Bonus Rules
No purchase necessary. To receive $150, new members must: join PSECU before 12/31/2021 with a promotional code; sign up and be approved for checking, debit card, and online banking; and establish one or more qualifying payroll direct deposit(s) that together total $300 per calendar month, recurring monthly, within 90 days of establishing membership.
  1. Participant must be U.S. Resident.
  2. Promotion open to persons 18 years of age or older at the time the account is opened. One promo code per new member. Additional promo code will be invalid.
  3. The recipient of the $150 bonus is solely responsible for payment of applicable taxes on that amount. If you have any questions, please seek the advice of a qualified tax professional.
  4. Qualifying payroll direct deposits are defined as paychecks, Social Security payments, and pension payments.
  5. PSECU reserves the right to recall the $150 direct deposit bonus if the payroll direct deposit(s) is/are not active for six consecutive months or if the member account is closed within the first year of establishing membership.
  6. If PSECU is unable to confirm any qualifying monthly direct deposit is a recurring payroll deposit, or if the member is not in good standing as defined by PSECU’s Bylaws Article II, Section 1, PSECU reserves the right to withhold the payment of the $150 direct deposit bonus.
  7. Payment of the bonus will be deposited into the Regular share within 45 days after the requirements are satisfied.
  8. This offer is only open to new members who meet PSECU eligibility requirements.
  9. All decisions of PSECU regarding this promotion are final. PSECU may terminate or change the terms and conditions of this promotion without notice.
  10. Employees, agents, and officials of PSECU and immediate family members of any of these are not eligible for this promotion.

About the $150 Direct Deposit Bonus:From 1/1/ to 12/31/2021, PSECU is running a new member promotion. To receive $150, participants must join during the promotion period and satisfy the promotional requirements within 90 days of establishing membership. PSECU will deposit $150 into the Regular share within 45 days after the requirements are satisfied. $5 is required to open and maintain a Regular share account. This $5 share deposit is also required to be eligible to receive the $150, and the member must be in good standing as defined by PSECU's Bylaws Article II, Section 1. A $5 minimum share purchase will be made on behalf of the new member by PSECU. If the member account is closed within the first year of membership, the initial $5 share will be retained by PSECU. The Annual Percentage Yield on PSECU's Regular share account is 0.05%. This variable rate is current as of 02/28/2021 11:15 AM EST and may change. Withdrawals and fees may reduce earnings on the account.
**You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.