Certificates

Personal Certificates is rated 4.8 out of 5 by 26.
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PSECU offers its members a safe and easy way to invest their money. Whether you are looking for a short or long-term investment, PSECU has a Certificate that will work toward helping you reach your financial goals. All you need to do is select the product and term that works for you.

PSECU Certificates and Shares, excluding IRAs, are federally insured by the National Credit Union Administration (NCUA) up to a total of $250,000 for any Certificate set up under the same ownership. This is the maximum amount allowed by law.

Benefits Include

  • $500 minimum balance to open and earn dividends
  • 3, 6, 9, 12, 18, 24, 36, 48 and 60 month terms
  • No monthly service fees
  • Rates declared weekly and fixed for the term of the certificate

Early Withdrawal Penalty

Any early withdrawal from a 36 - 60 month certificate will cause a forfeiture of 180 days of dividends on the principal amount withdrawn, whether or not the certificate has earned an initial dividend. This penalty will be deducted from the certificate and calculated at the annual dividend rate being paid on the certificate.

If the withdrawal plus penalty takes the certificate below the minimum $500 balance, the certificate will be closed and the penalty will now be calculated on the entire balance. All certificate penalty withdrawals must be in writing.

Important: There is no change to the 90-day penalty currently in place for 3-24 month certificates.

Rates valid as of 1/19/2018 10:35 PM

DescriptionAPY*Rate
3 months.25%Calculate0.25%
6 months.5%Calculate0.5%
9 months.75%Calculate0.75%
12 months1%Calculate1%
18 months1.25%Calculate1.24%
24 months1.5%Calculate1.49%
36 months1.75%Calculate1.74%
48 months2%Calculate1.98%
60 months2.25%Calculate2.23%
*APY denotes Annual Percentage Yield

Rates and information are subject to change at any time. Recurring deposits may be made into the certificate through automatic transfers (ATS) only. You may set up recurring deposits through ATS within 30 days after the certificate is purchased. Deposits can be stopped or reduced at any time. This rate will be paid until the certificate matures. Your certificate will automatically renew at the rate in effect at the time of maturity unless we are contacted on or before the maturity date. Upon renewal, the term will be the same as the original term. You have ten calendar days after maturity to redeem your certificate without penalty if you do not want to renew. Dividends will not accrue on the certificate after the maturity date unless it is renewed. A penalty will be imposed for early withdrawal. A minimum daily balance of $500 must be maintained in order to earn the disclosed APY. View Truth in Savings Account disclosure.

Rated 5 out of 5 by from Good Stuff The CDs are easy to set up. In only a few clicks I get everything done without the hassle of going into a branch to bother a teller.
Date published: 2017-11-01
Rated 5 out of 5 by from Good rate PSECU currently has slightly higher rates than other local institutions.
Date published: 2017-10-28
Rated 5 out of 5 by from Great Certificates The rate of return and convenience of PSECU certificates is excellent.
Date published: 2017-10-26
Rated 5 out of 5 by from Certificate Easy to acquire over the web. Product is obtaining more interest than an bank.
Date published: 2017-10-25
Rated 4 out of 5 by from Ease of Use It is really easy to set up a CD, I just wish the rates were a bit higher.
Date published: 2017-09-05
Rated 5 out of 5 by from Consistency Counts All information I need to research and/or purchase a personal certificate is included in the PSECU site. This is not new - I have purchased certificates in the past, and I have never had to wonder about any aspect of the transaction. The site is easily navigated and comprehensive - never found it to be anything but.
Date published: 2017-09-02
Rated 5 out of 5 by from Great Product Great place to put my money but wish rates were a little higher!
Date published: 2017-09-02
Rated 5 out of 5 by from Good Product Competitive and convenient, etcetera, etcetera, etc.F
Date published: 2017-09-02
Rated 5 out of 5 by from I love PSECU! After decades of frustration and feeling ripped off by big banks and financial institutions, I joined PSECU. I transferred all my money, credit card accounts, loans, etc. to them and I couldn't be happier. I feel fully in control of my money and I love their products: good returns, member-centered policies, good business practices. I love everything about this organization. It's been a great relationship for almost 20 years...
Date published: 2017-09-01
Rated 3 out of 5 by from Low CD interest rates. See below, you pay too little interest on Certificates of Deposit.
Date published: 2017-09-01
Rated 5 out of 5 by from Convenient Easy to purchase and transfer funds from one account to another.
Date published: 2017-09-01
Rated 5 out of 5 by from Easy and competitive rates! PSECU CDs are easy to open electronically by transferring from existing accounts, east to watch grow using the widget on my phone, and do so at a competitive rate.
Date published: 2017-09-01
Rated 5 out of 5 by from CofD Rates are higher than most banks. Easy access and renewal.
Date published: 2017-08-31
Rated 5 out of 5 by from Always works, always there, always good I have been a member of PSECU for 20 years or longer. Their services are terrific. I use the Visa debit card and credit card demestically and when I travel internationally. No hassles.
Date published: 2017-08-31
Rated 5 out of 5 by from Great Credit Union Always professional, helpful! Keep up the good work!
Date published: 2017-08-31
Rated 5 out of 5 by from Great product Great interest rate, like everything about the credit union
Date published: 2017-08-31
Rated 5 out of 5 by from Better rate than banks Better rate than banks. I have kept this account as I moved around the country
Date published: 2017-08-31
Rated 5 out of 5 by from Great Product They have fair interest rates and communicate well with customers.
Date published: 2017-08-31
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