Savings Accounts

Every PSECU membership starts with a dividend-earning savings account. Your opportunities to save grow from there. All savings options are federally insured by the NCUA.

Find the Right Savings Account for You

Choose Which Savings Options Work for You

A Regular savings share is the cornerstone of PSECU membership. And only $5 is required to establish and maintain it (additional savings shares have no minimum balance!)

Saving money puts you in control of your financial future. You’re putting money away now so you’ll have it when you need it for that down payment on a house, a college education for you or a special child in your life, retirement, or whatever is important to you and your family. Can money buy happiness? Conventional wisdom says no. But saving it for future goals can give you something else you can’t buy - peace of mind.

That peace of mind can be found in the form of gimmes, like a special rate for youth and free resources to help you make the most of your money. It’s also provided by one big difference that sets us apart from banks. While banks make profits for their corporate shareholders, credit unions like PSECU are not for profit and serve their members. You can feel good about saving with us because we’ve been making decisions  that benefit our members for over 85 years.

Savings

0.25% APY

Open up to five additional savings shares to best manage your savings goals.
Link to checking for no-fee Overdraft Protection Transfer Service.
Federally insured by the NCUA.

Open Account

[

Already a member?

]

Yes No

[

Would you like to add a savings share to a new account or an existing account?

To add to an existing account, log in.

]

Existing Account New Account

Money Market

Greater Savings Rates

The more you save, the more you can earn, with dividends that grow alongside your balance. Increased earnings¹ can begin with as little as $500 in your account.
No deposit or withdrawal limitations.
Federally insured by the NCUA.

Youth Savings

4.00% APY

Earn a special higher-yield savings rate² on balances of $.01 to $500.00 in accounts opened for, or owned by, youth under age 18.
Help your child learn money management skills.
Federally insured by the NCUA.

PSECU-Website-Savings-Account-1-Individual-Retirement-Accounts

Individual Retirement Account (IRA)

Our IRA options allow you to pick the account that will best position you on your path to financial freedom. Choose from a Traditional IRA, Roth IRA, or Coverdell ESA.

Learn More About IRAs

Certificates

Whether you’re looking for a short- or long-term investment, we have a certificate that will help you work toward reaching your financial goals.

Learn More About Certificates

Current Savings Account Rates

Valid as of 03/20/2026 12:00 AM EDT
APY*	Dividend Rate
Regular Savings Shares	0.25%	0.25%
Youth Savings (Balances of $.01 to $500.00)	4.00%	3.93%
Youth Savings (Balances of $500.01 and over)	0.25%	0.25%

1. Log into online banking.
2. Click on the menu in the top left corner.
3. Under Accounts, click Add Product.
1. Join PSECU.
2. Follow the prompts on the screen to join PSECU.
3. Once you're a member, log into online banking, open the menu in the top left corner, click on Account, and then select Add Product.
Join Us
Money market accounts allow you to earn a higher dividend when you maintain a certain minimum balance. This allows you to increase your savings at a faster rate than a Regular savings account. However, because there are no restrictions as to when or why you withdraw funds from the account, a money market account also allows you to keep your money in a liquid state to pull from when needed, without penalty.
Learn More

Current Money Market Rates

Valid as of 03/20/2026 12:00 AM EDT
APY*	Dividend Rate
Balances of $500.00 to $4,999.99	2.35%	2.33%
Balances of $5,000.00 to $19,999.99	2.35%	2.33%
Balances of $20,000.00 to $49,999.99	2.45%	2.42%
Balances of $50,000.00 to $99,999.99	2.60%	2.57%
Balances of $100,000.00 and over	2.85%	2.81%

To earn the dividends associated with a specific tier, your balance must reach the minimum balance requirement of that tier. 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 monthly, compounded daily, and paid monthly into money market accounts.
If your daily account balance falls below $500, you won't earn dividends until your daily balance again reaches $500.

If your balance falls below the minimum of a tier, you'll earn dividends at the rate of the tier that matches your account balance. For example, if you move from the third tier to the second tier, you'll earn dividends at the rate associated with each tier for the days that your balance fell within those tiers.

PSECU-Website-Savings-Account-Footer-CTA

Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member

Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.

Primary Button Text Here Button Text Goes Here

Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.

Primary Button Text Here Button Text Goes Here

Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.

Primary Button Text Here Button Text Goes Here

¹Rates 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). Money market accounts require a minimum of $500 to earn dividends. For consumer accounts, view Truth in Savings Account Disclosures.

Business Accounts: Business money market accounts require a minimum of $2,500 to earn dividends.

²To be eligible for the Youth Savings rate, the primary account owner must be under the age of 18. All eligible Youth Savings Share accounts earn APY for balances of $.01 to $500.00. For balances of $500.01 and over, the Regular Savings Share APY will apply. 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.