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.

“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

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.

Current Rates

Valid as of 02/28/2021 10:24 AM EST 
DESCRIPTION APY* DIVIDEND RATE
Regular Savings Shares 0.05%  0.05% 
Money Market 0.10%  0.10% 
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.

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 a PSECU debit card at an out-of-network ATM and get charged, we'll rebate fees on withdrawals 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.