Loans

To replace your current card(s), call us at 800.237.7328, extension 3872. We will automatically send Contactless Cards when new or updated cards are issued. If you call in and advise your card is damaged, the card number will stay the same. If your card is lost, stolen or compromised your card will get a new number.

As long as you’re the primary cardholder, you can add an authorized user. Authorized users can be added during your application process, or later in online banking.
There are no PSECU application fees for equity loans, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a Notary Public. You may also incur fees if the Real Estate Equity Loan is being used to purchase land that will be used to build your primary residence. (PSECU requires property insurance.) For information on this type of equity, please call 800.237.7328, extension 3817.

Yes. Co-applicants should apply with you when you open your credit card account. We’ll need current identification, and income and contact information for all applicants.

If you just want to add an authorized user, you can do that, too. For instance, you might add employees or your business manager to your account as authorized users. These individuals are allowed to use your business credit card account but aren’t legal account owners.

Only the primary cardholder can add authorized users to your Business Credit Card Account.



You may refinance your Real Estate Equity Loan or your Home Equity Line of Credit by applying online. If you're refinancing a Real Estate Equity loan with a new one, you're required to borrow an additional $5,000 above your current equity loan balance.


Yes. Apply online or request a paper application at 800.LOAN.555 Monday through Friday 8 a.m. to 9 p.m., and Saturday, 9 a.m. to 5 p.m. (ET).

Yes. You can have your account set up to automatically transfer your monthly Visa® payment from any PSECU share account. You can choose to pay the minimum payment, a specific amount higher than the minimum payment, or the amount necessary to avoid finance charges. These payments are transferred automatically from your account on the 25th of every month. 

To set up a Visa automatic payment, please call us at 800.237.7328.

By giving the merchant your card number, you have authorized payment. PSECU cannot then prevent the merchant from posting your charge. If there is an error or a problem with a charge, please contact us at 800.237.7328, extension 3872. You may need to complete additional steps before we can attempt to dispute the charge.

No. Visa® Balance Transfers cannot be used to pay off any other PSECU loan.

Yes, if you initiated the call. Even if you did not authorize the charge and are calling a merchant to inquire why they charged your account, the merchant may ask for your name, address, or other identifying information. If they cannot locate the charge using this information, you may want to offer your card number. Some merchants are able to locate a transaction by your card number. This will help them to explain the charge and resolve the problem. Always contact PSECU if there is a problem because we may have additional advice or suggestions.

We recommend against giving your card number or other personally identifiable information during a call you did not initiate. The call could be an attempt at identity theft.

Dealers should list PSECU on the title at this address:

Pennsylvania State Employees Credit Union
P.O. Box 67013
Harrisburg, PA 17106-7013

Please call us at 800.237.7328, extension 3872. Please note: In order to replace or reorder a card, the member whose name appears on the card should make the request.
Your payment from an external account will post to your PSECU loan on the day it was scheduled between 8 p.m. and midnight. PSECU loan payments scheduled prior to 8 p.m. for the current day from an external account will be credited to your PSECU loan that same day, even on weekends and holidays. After 8 p.m., you may schedule your payment to be posted on the following day at the earliest, even on weekends and holidays.
Replacing a current payment method on a loan requires the setup of a recurring payment. The setup of recurring payments from external accounts are not permitted on Visa®s or past-due loans. In regards to past-due loans, with the exception of Visas, once they are brought current, you may replace its current payment method with a recurring external account transfer.
The setup of a recurring payment from external accounts are not permitted on Visa®s or past-due loans. In regards to past-due loans, with the exception of Visas, once they are brought current, you may setup a recurring payment from an external account transfer.
All Visa® products, including the PSECU Visa Credit Card and the Debit Card, offer zero liability for fraudulent charges if your card is lost or stolen.
Look for the Contactless Symbol on the payment reader at any merchant’s physical location. You’ll see Contactless technology at everyday places like coffee shops, restaurants, grocery stores, public transit kiosks, sports arenas, and more.

Once the charge in question posts to your account, please attempt to contact the merchant first for clarification on the charge, and if necessary, request a credit be issued. Note the date and time of your call, as well as the name of the person you spoke with, their phone number and what was said. This information will help us build a case in the event the transaction needs to be disputed.

If a credit does not post to your account within 30 days or the merchant refuses to credit your account, please contact PSECU at 800.237.7328, extension 3872.

To report a lost or stolen ATM / Debit Card card, call 800.237.7328, extension 3872.

Debit Card and Visa® cardholders: If you are calling after PSECU business hours, call 800.556.5678, nationwide or 402.222.3600, International to report these cards lost or stolen. You will need to contact PSECU on the next business day to order replacement cards.