Member Benefits

We’re different than a bank. We’re a not-for-profit credit union. Here are just some of the ways you can enjoy a different banking experience.
Free Checking Accounts

We make checking simple. We offer just one personal checking account – and it’s free. No monthly fees. No complicated rules. No hidden charges.





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Debit Card Rewards

You can earn $0.10 cash rewards on eligible purchases of $10 or over with PSECU checking and one or more qualifying monthly direct deposits totaling at least $500. Without direct deposit, you can earn $0.05 cash rewards on eligible purchases of $10 or over.*

Learn more about debit card rewards.

Cash rewards credit card

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

Learn more about our Founder’s Card.

Digital Banking Tools

Our digital-first approach gives members anytime, anywhere access to their money with our easy and convenient digital banking tools.


Manage your money 24/7

Surcharge-free ATMs

Use our online locator to find ATMs you can use for free as a PSECU member. If you use an out-of-network ATM and get charged, we'll rebate fees up to $20 per month if you have direct deposit, and up to $8 per month if you don’t.


Learn more about our ATMs

Financial Education Resources

Our financial education program, WalletWorks, offers free interactive resources for members and non-members alike. Learn about budget-friendly ideas and find money management tips for every stage in life.

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Youth Account Options

We offer members under age 18 a higher-yield savings rate. A balance as low as $5 can earn a 1.50%*** Annual Percentage Yield (APY) on up to $500. Start your child out on the right foot.

Learn how to get started

PSECU Scholarships

For our members who are graduating high school seniors, we offer an annual scholarship competition to help reduce the financial burden of pursuing postsecondary education.

View eligibility requirements

Free Credit Score Service

Lenders may use your credit score to determine their risk in lending you money. Knowing your score can help you take charge of your financial future.

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Discounts & Perks

We offer a suite of money-saving opportunities for members, including discounts on TurboTax® and perks from other brands like Sprint® and SimpliSafe™.

TurboTax® Discount 
Save up to $20 on TurboTax® federal products when you get started through our website.

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Use Your PSECU Visa and Save
Use your Visa® card and get discounts on travel, food and wine, dining, shopping, entertainment, sports, and more.

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Love to Shop? Earn Cash Back.
Receive special pricing from retailers like Sprint® and SimpliSafe™.

Learn more
*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.
**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 of at least $500. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.
***To be eligible for the Youth Savings Rate, the primary account owner must be under the age of 18. All eligible Regular Share accounts earn 1.50% APY on the first $500 in the account. Any remaining balance above $500 will earn dividends at our current Regular Share rate. Rates and information are subject to change at any time. Fees could reduce earnings on the account(s). The disclosed dividend rates are variable and may change after the member opens the account(s). Find our current dividend rates at psecu.com/rates. PSECU requires a $5 minimum balance to open and maintain a Regular Share account. This $5 share account deposit is also required to be eligible to receive the Youth Savings rate, and the member must be in good standing as defined by PSECU's Bylaws, Article II, Section I. PSECU will make a $5 minimum share purchase on behalf of the member. However, if the member account is closed within the first year of membership, PSECU reserves the right to retain the initial $5.