THE SOLUTION TO BEEN-THERE, DONE-THAT BANKING.

Transferring money is easy when you and your student are both PSECU members! Apply for the Founder's Card and receive a $150* credit applied to your account.

Apply Today

How Our Cardholders Achieve More

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More Rewards

Get cash rewards on every purchase, with no category restrictions.

More Savings

Zero annual fees. Zero PSECU balance transfer fees. Zero cash advance fees.

More Freedom

No expiration dates means no rush on your cash rewards.

Additional Perks

  • Reward yourself with 2%** or 1.5% in cash rewards on every purchase, every time.
  • Credit limits up to $30,000, if qualified.
  • Visa Signature® benefits
  • Cash advances
forbes

Ready for more gimmes, less gotchas?

Gain the confidence to achieve your goals in no time at all.

Apply Today

Trusted Banking

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

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

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

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.

Current Rates

Valid as of 02/25/2021 5:09 AM EST 
DESCRIPTION APR*
Founder's Card Balance Transfer 3.9% 
Founder's Card Cash Advance 12.40% 
Founder's Card Purchase 12.40% 
*APR denotes Annual Percentage Rate

PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card and Visa® Alumni Rewards Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/2022 ; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.

Our Easy Process

step1

Apply

Apply for a Founder's Card before March 31, 2021 through this promotion page.

step2

Spend

Once approved, spend $500 within 90 days and meet all promotional requirements.

step3

Receive

PSECU will deposit $150 into the Regular share within 45 days after the requirements are satisfied.

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Join us for our limited time bonus!

Transferring money is easy when you and your student are both PSECU members! Apply for the Founder's Card and receive a $150* credit applied to your account. For complete rules and details, see below.

Apply Today 

Fees

DESCRIPTION AMOUNT
Annual fee $0
Balance transfer fee $0
Cash advance fee $0
Late fee  Up to $27
Foreign transaction fee  $0
 

$150 Founder's Rewards Card Cash Offer: *To receive $150, members must: apply and be approved for a PSECU Visa® Founder's Rewards Card (“Rewards Card”) between 1/15/2021   and 3/31/2021  ; use the Rewards Card to make any combination of eligible purchases defined in the PSECU Visa® Founder’s and Visa® Alumni Rewards Card Rewards Program Terms and Conditions totaling at least $500 (exclusive of any fees, returns and adjustments) that post to your account within 90 days of the Rewards Card account open date. Limit (1) cash offer per new Rewards Card account. This is a one-time promotional offer and is limited to PSECU members opening a new Rewards Card account through the designated PSECU promotional offer page.

  1. Participant must be a member of PSECU. If Participant is not currently a PSECU member, Participant must apply for membership and join PSECU, and comply with all $150 Rewards Card Cash Offer requirements.
  2. Participant must be a U.S. Resident.
  3. Promotional offer open to persons 21 years of age or older at the time he/she applies (through the designated PSECU promotional offer page) for the Rewards Card and who makes purchases totaling at least $500 (exclusive of any fees, returns and adjustments) that post to the account within 90 days of the Rewards Card account open date. Please allow 1-2 weeks to receive your card in the mail. Limit (1) cash offer per new Rewards Card account.
  4. The recipient of the $150 Cash Offer 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.
  5. Eligible purchases are defined in the PSECU Visa® Founder’s and Visa® Alumni Rewards Card Rewards Program Terms and Conditions.
  6. Payment of the $150 Cash Offer will be deposited into the Regular Share within 45 days after the requirements are satisfied.
  7. The member must be in good standing, as defined by PSECU's Bylaws Article II, Section I, to receive the $150 Cash Offer.
  8. All decisions of PSECU regarding this promotional offer are final. PSECU may terminate or change the terms and conditions of this promotion without notice.
  9. Employees, agents and officials of PSECU and immediate family members of any of these are not eligible for this promotional offer.
  10. Subject to all applicable federal, state and local laws and regulations.
About the $150 Founder's Rewards Card Cash Offer: From 1/15/2021   to 3/31/2021  , PSECU is running a promotion for those who apply through the designated PSECU promotional offer page. To receive $150: members must apply and be approved for a PSECU Visa® Founder's Rewards Card between 1/15/2021   and 3/31/2021   and satisfy the promotion requirements within 90 days of the Rewards Card account open date. PSECU will deposit $150 into the Regular Share within 45 days after the requirements are satisfied. A $5 minimum Regular Share balance is required to be eligible to receive the $150, and the PSECU member must be in good standing as defined by PSECU's Bylaws Article II, Section 1. The Annual Percentage Yield on PSECU's Regular share account is 0.05%. This variable rate is current as of 02/25/2021 5:09 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.
***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.