Become a Member

What’s the Difference Between a Credit Union and a Bank? 

We get this question a lot. We think you’ll like the answer.

As a credit union, we are not-for-profit and member-owned, and we focus solely on what’s best for you. Unlike a bank, we return earnings to our members through services like free checking and low rates on loans. We want your money to stay where it belongs – with you. 

People also frequently ask how they can become a member of PSECU. We offer many ways to join.

How to Join

Here are the four paths to PSECU membership:
  • Family or those you reside with: You live with a PSECU member or a relative is a member. Qualifying relatives include:
    • Parent or stepparent
    • Child or stepchild
    • Grandparent
    • Grandchild
    • Spouse
    • Sibling or stepsibling
    • Adoptive relationships
  • Education: You attend, currently work at, or graduated from one of the many Pennsylvania colleges or universities with which we have a relationship.
  • Employment: You are a Pennsylvania state or local government employee, a municipality or school district employee, or an employee of a company that offers membership as a benefit. More than 1,800 employers across Pennsylvania offer PSECU membership. 
  • PRPS membership: If you don’t meet one of the above criteria, you can join Pennsylvania Recreation and Park Society (PRPS) to become eligible for PSECU membership. PRPS membership costs $20 per year, but we will cover $10 of that when you join. You do not need to renew your PRPS membership to maintain your PSECU membership, but you may just want to.
Once you become a member of PSECU, you may remain a member for life no matter where you live. You can take us with you wherever you go.


Open a Business Account with PSECU
Running a business requires time and money. Benefits like free checking, Small Business Administration (SBA) loans, and low rates on equipment financing save you both. We help you focus on what matters: running and growing your business. To join PSECU as a business, all business owners must be existing PSECU members, and your business must be located in Pennsylvania. Learn more about checking accounts for businesses.


Ready to Join PSECU?
Joining is easy. Start your membership application now to open an account.

As a credit union, PSECU is member-owned and focused solely on what’s best for you. Unlike a traditional bank, PSECU is not-for-profit, which means we’re able to return earnings to members in the form of free services and low loan rates.

The credit union philosophy is one of “people helping people.” We help members live a better life, but we also work to help the communities we serve, through donating our time, money, and resources. Learn more about what PSECU believes in.

PSECU is a digital-first credit union. That means that members can conduct all their business either online or via our mobile app. We make it easy to deposit and transfer money, apply for loans, and open IRAs and other accounts. This digital model saves us money… savings that we pass on to our members!

We do have limited on-site locations where members can learn more about PSECU products and services. Our Harrisburg locations have tellers on-site to assist members with performing transactions. Visit PSECU Locations for a complete list of ATMs, on-site locations, and hours of operation.

PSECU membership stays with you no matter where life takes you. Once you are a member of PSECU, you can keep your membership for life regardless of residence, graduating or leaving schools, or switching employers.

PSECU offers a wealth of money management resources. Scan the PSECU Blog for money management tips to help you through every stage of life. PSECU WalletWorks offers information to help you manage money and make smart financial decisions.

PSECU also offers periodic financial literacy seminars focused on money management. If you’re interested in PSECU visiting your campus, workplace, or community organization, email or call 717.777.2189 for more information.