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 dividends² than our other share accounts
  • Requires no minimum balance
  • Allows withdrawals of $20 or more
  • Withdrawals, including overdraft transfers, available up to six times per month³
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

Our mobile savings app makes savings fun

Create your own digital piggy bank on your smartphone or tablet. Choose your savings goal(s) and amount, then watch your money grow. You can also use the app to:
  • Automatically sweep change (money less than $1) from any of your other PSECU accounts into savings 
  • Transfer money from checking to savings
  • Scratch a digital ticket to reveal an amount of money that is sent straight to your savings goal
  • Add names and emojis to your savings goals
  • Share your savings progress on your Facebook page

Download our savings app in the Apple App Store or Google Play Store. You must be enrolled in online banking and have a checking account to access the PSECU savings app.

Frequently Asked Questions

Yes. Because we are a member-owned credit union, you must be a member in order to have an account with us. However, joining is fast and easy. 

To simplify things for you, a PSECU membership application is the same application to open a savings account. Learn more about the many ways to be a member.

It’s simple. Just log into your PSECU account and click "Add a Share" on your Balances page. You’ll be able to choose the savings account type you’d like to add.
You can deposit money to your savings account four different ways:
  • Deposit funds at an ATM that accept deposits. Search for an ATM near you.
  • Make a mobile deposit using your smartphone and our mobile app.
  • Set up Direct Deposit or Payroll Deposit so money is deposited automatically to your savings account. Get more information on Direct and Payroll Deposit.
  • Mail in your deposit to: PSECU P.O. Box 67012 Harrisburg, PA 17106-7012. Log into your account to request deposit slips.

Your withdrawal options depend on the type of savings account you have.

Regular Share Savings:

  • Use your debit card or visit an ATM: Search for an ATM near you
  • Make a telephone transfer or use online banking or our mobile app to transfer savings to another PSECU account
  • Call us and ask us to send you a check
  • Request a wire transfer to an outside party
Additional Savings Share:
  • Make a telephone transfer or use online banking or our mobile app to transfer savings to another account
  • Call us and ask us to send you a check
  • Request a wire transfer
Money Market Savings Share (Up to six withdrawals or overdrafts allowed per month3):

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 03/28/2020 1:39 PM EDT
Description APY* Dividend Rate
Reg / Vacation / Christmas / S5 / IRA 0.10% 0.10%
Checking 0.05% 0.05%
Money Market 0.15% 0.15%
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.

3Money Market Transaction Limits: You can make a maximum of six (6) withdrawals or transfers per month from Money Market Savings to another PSECU account or to a third party. Up to three (3) of the six (6) transfers may be made by check, draft, debit card, electronic payment, or similar order to a third party. If you exceed these transfer limitations, we may have to close your account.

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.

Apple, the Apple logo, Apple Pay, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay, and the Android Logo are trademarks of Google Inc.

Note:  PSECU does not provide International wire transfer service. A wire transfer is a non-refundable transaction.


Rated 5 out of 5 by 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 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 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 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 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 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 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 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
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