Savings Accounts

Every PSECU membership starts with a dividend-earning savings account. Your choices grow from there. Our savings account is tailored to help you achieve your savings goals.

Personal Savings is rated 4.6 out of 5 by 131.

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“Setting up the accounts were easy, the customer service was phenomenal, and I have been very happy!”

– Member Less than 1 year

Dividends on Every Account

Online and Mobile Banking Access

No monthly fees

Choose your savings accounts

All PSECU members start with a Regular share account. Keep it simple with this online savings account or add more accounts based on your needs. All accounts earn dividends and are insured by NCUA¹.

Regular Savings Share

This account is the cornerstone of your PSECU membership and:

Gets you started enjoying PSECU member benefits
Is accessible online or through our mobile app anywhere in the world
Requires only a $5 minimum balance to maintain your membership
Gives you 24/7 access with a PSECU debit card
Can link to checking for free overdraft protection transfer service
Earns a competitive rate

Additional Savings Share

Set aside money for your specific savings goal with this account.

Keeps money separate from your other accounts
Can simplify your saving habit with automatic deposit
Requires no minimum balance

Money Market Savings Share

Earn more on your savings.

Offers higher dividends^²than our other share accounts
Requires no minimum balance
Allows withdrawals of $20 or more
Withdrawals, including overdraft transfers, available up to six times per month^³

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Putting money back in your pocket

We give you more money back through saving dividends, ATM rebates4, and cash back from our rewards credit card.

Banking with us gives you more money back

Online & Mobile Banking

Check your account balances, transfer funds, pay bills, and more with digital access.

Use our easy and convenient banking tools

Worldwide ATMs

Access your savings at nearly 30,000 surcharge-free ATMs through the CO-OP Network®, CU$® Alliance, and at many more locations.

Find an ATM location near you

What's Your Savings Goal?

See how much you need to save to turn your dream into reality. Learn more about meeting your savings goals.

Valid as of 06/3/2020 8:37 AM EDT
Description	APY*	Dividend Rate
Reg / Vacation / Christmas / S5 / IRA	0.05%	0.05%
Checking	0.05%	0.05%
Money Market	0.10%	0.10%
Youth Savings	1.00%	1.00%

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). Regular shares require a minimum balance of $5 to open the account. Money Market accounts require a minimum of $500 to earn the advertised APY. Share accounts that qualify for youth savings rate will earn a higher APY on the first $500 in the account. Balances above the first $500 will accrue interest at the current Regular share rate.

Business Accounts: Business Regular shares require $500 to earn the advertised APY. Business Checking and Money Market accounts require a minimum of $2,500 to earn the advertised APY.

View Truth in Savings Account disclosure.

*APY denotes Annual Percentage Yield

¹NCUA: National Credit Union Administration. Your savings federally insured to at least $250,000.

²Dividends (which you may call interest): Based on day of deposit to day of withdrawal. Dividends are calculated on actual daily balances. If your daily account balance falls below $500, you won’t earn dividends until your daily balance again reaches $500. Dividend rates are declared weekly, compounded daily, and paid monthly into Money Market Shares. Payment of dividends is based on the available current and undivided earnings of PSECU. The Annual Percentage Yield (APY) for a deposit of one year or less is based on the assumption that both the deposit and dividends remain on deposit for a full year. A withdrawal will reduce earnings. Regulations prohibit dividends in excess of PSECU’s available earnings.

⁴If you use an out-of-network ATM and get charged, we'll rebate fees up to $20 per month with direct deposit, and up to $8 per month without.

Important: When using debit (point-of-sale) transactions with PSECU Visa debit card, you must have available funds in your checking account or your transaction will be declined. Overdraft Protection Transfer Service does not apply to debit transactions. Loan options are treated as cash advances and are subject to those rates and accrue interest immediately. If you did not choose an option when you set up your account, PSECU will automatically set up overdraft transfers from your Regular Shares.

Rated 5 out of 5 by Marsha from Excellent Credit Union Customer service is fantastic. I love the free bill payer and the Founders Card has saved me over $2,000 so far. I recommend them to everyone.

Date published: 2020-02-21

Rated 5 out of 5 by ekg33 from Happy I've had checking, savings and visa there for years. Very happy with them. Everyone should have a credit union. Less greed. Good balance transfer rates if yr juggling debt. Staff very fast and helpful. I appreciate getting my credit rating for free updated every 3 months i think it is.

Date published: 2019-11-26

Rated 1 out of 5 by Matt81 from Account setup too long I set up and account to open a CD. The initial setup of the account took 11 Days! I had to call twice and only then was the account setup. During this time the interest rates changed dramatically. (Over 1%) The hold time to speak to someone each time was over 20 mins as well.

Date published: 2019-11-12

Rated 5 out of 5 by Debra ann from I love psecu Psecu is there for u when u need them..I dont like people to know who i bank with

Date published: 2019-10-21

Rated 5 out of 5 by Carole from Easy application Everything could be completed for an auto loan on the phone. It took very little time.

Date published: 2019-09-13

Rated 2 out of 5 by Jay1977 from Poor Interest rates Have been a member of PSECU for over 25 years. While I love the customer service, the interest rates on SAVINGS is horrible. PSECU used to be the BEST interest rates around, far exceeding and banks. Now, I have to put my savings and CD's in big branch banks to get much better interest rates. This is unacceptable to us members that have been here forever when it served all us state employees. I get .50 interest from Embassy Bank...why can't a credit union top that when it did in the 1990's??? Makes no sense and is really sad. Maybe the new President will change this, since reading these reviews, I am not the only one that shares this disappointment. Otherwise PSECU is a good credit union, but I put my money where I can get a return,

Date published: 2019-04-09

Rated 5 out of 5 by ElizaNJ from Amazing options, great interest rates I am so happy I found this credit union. I’ve been banking with PSECU and over the years have gotten more and more of their products. I like all the product options and interest rates. I never been to any of the branches but speaking to the staff over the phone or using their app is fast and easy. Highly recommended to my friends and family.

Date published: 2019-04-04

Rated 5 out of 5 by Norm1315 from Love PSECU! I switched to PSECU about 3 or 4 years ago. I came from a big national bank and I wouldn't go back. I was worried that not having physical locations would be inconvenient, but I haven't had a problem since I've joined. I would absolutely recommend PSECU to anyone!

Date published: 2018-12-28

Personal Savings Reviews - page 2