Our members achieve more

More gimmes + less gotchas = modern digital banking. Become a member and let your money live in the 21st century.
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Who can join PSECU

PSECU is a financial cooperative, meaning you must be eligible to become a member. We make that easy by offering many ways to be eligible.

You reside with, or have a relative who is a PSECU member.

Eligible relatives include:

  • Parent, stepparent, or grandparent
  • Spouse or household member
  • Sibling or stepsibling
  • Children or grandchildren (including adoptive relationships and stepchildren)

You have a relationship with one of the many PA colleges or universities we work with.

Qualifying scenarios include:

  • Currently attending
  • Graduated
  • Currently working at a PA college or university
  • Attended one or more semesters

More than 1,000 employers headquartered in PA offer PSECU membership as a benefit.

Qualifying employers include:

  • PA state or local governments
  • Municipalities and school districts
  • Select Employee Groups (SEGS)

Don’t meet the criteria above?

Don’t worry. You can still join PSECU by becoming a member of the Pennsylvania Recreation and Park Society (PRPS). PRPS Friend membership is a one-time fee of $20, but PSECU will cover $10 when you open your PSECU account online.

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Membership benefits

PSECU is a not-for-profit digital alternative that believes you should enjoy a better banking experience. Play video to learn more

Savings Accounts

All it takes is a $5 deposit to get a dividend-earning savings account.


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Free Checking Accounts

No monthly maintenance fees. No complicated rules. No monthly charges.


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Debit Card Rewards

Each eligible swipe1 makes every to-do a cash-back ta-da.


Learn more about debit card rewards.
Surcharge-free ATMs

It shouldn’t cost money to take out money. It’s why we rebate up to $20/month in ATM fees2.


Find an ATM
Digital Banking Tools

You work hard for your money. We’ll help you keep it with financial tips, tools, and resources.


Manage your money 24/7
Discounts

We offer members a suite of money-saving opportunities and discounts on national brands.


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Financial Wellness
Our financial wellness program, WalletWorks, offers free resources for members and non-members alike. Learn how to budget like a boss, save like a squirrel, and be financially prepared for every stage in life.

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Free Credit Score Service
When you bank with us, you’ll always know where you stand. Our free credit score service3 is the easy way to monitor your credit health. After you enroll, you'll receive regular updates to your score, as well as tips to help you improve it.
No-Fee Overdraft Protection Transfer Service
Members can enroll in the Overdraft Protection Transfer Service, a service that will pull money from another share or loan account in the event your checking account does not have sufficient available funds to pay incoming transactions.

Check Out Our Products & Services

At PSECU, we’re proud to offer you services that help you with your unique financial needs. After all, it’s what we do best. Explore the ways you can grow your new relationship with us.

credit

Cash Rewards Credit Card

auto

Auto Loans

house

Home Loans

shop

Personal Loans

Application Process

To make your experience as smooth as possible, be sure that you and any optional joint owner have the following information ready.

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Social Security number
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Driver's License or government-issued ID
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Credit card or debit card for opening deposit
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Youth Accounts

Start your child off on the right foot. We offer members under 18 a higher-yield savings rate. Accounts can earn a 2.00%4 Annual Percentage Yield (APY) on balances of $.01 to $500.00. For balances of $500.01 and over, the Regular Savings Share APY will apply.

Learn more about youth accounts

Business Account

You can bank on our business products and services. We simplify money management so you can focus on what matters—building a successful company. PSECU can only offer financing for businesses located in Pennsylvania.

Learn more about business accounts

Disclosures

1You can earn $0.10 cash rewards on eligible purchases of $10 or over with a PSECU checking account and one or more qualifying monthly direct deposits totaling at least $500. You can earn $0.05 cash rewards on eligible purchases of $10 or over for accounts with a PSECU checking account. Certain restrictions may apply. See the Visa® Debit Card Rewards Program Terms and Conditions for full details.

2If 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.

3PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.

4To 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 2.00% 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.