Skip to content
  • Join PSECU
  • Refer a Friend
  • Rates
  • Find an ATM
  • Resources
  • Support
PSECU Logo
  • Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

    Have questions? Browse our FAQs
    • Account Types:
      • Checking Accounts
      • Savings Accounts
      • Money Market Accounts
      • Certificates
      • Individual Retirement Accounts (IRAs)
    • Banking Services:
      • For College Students
      • For Teens & Parents
      • For Youth & Parents
      • For Businesses
    • Quick Links:
      • Calculators
        Estimate payments, set savings goals and more
      • Overdraft Services
        Check out PSECU's approach to overdraft services and fees
      • Understanding Money Market Accounts
        Learn how you can increase your savings with greater dividends
  • Explore Our Rates

    See today’s credit card rates

    Have questions? Browse our FAQs
    • Card Types:
      • Classic Card
      • Founder's Rewards Card
      • Penn State Alumni Cards
      • Secured Visa® Card
      • Business Credit Cards
    • Card Services:
      • Balance Transfers
      • Card Comparison Guide
    • Quick Links:
      • Calculators
        Estimate payments, set savings goals and more
      • Dispute a Credit Charge
        Report unauthorized transactions on your card
      • Is a Balance Transfer Right for Me?
        Find out how consolidating can simplify your finances
  • Explore Our Rates

    See today’s auto loan, home equity product, mortgage, and personal loan rates

    Have questions? Browse our FAQs
    • Home & Auto:
      • Mortgages
      • Home Equity
      • Auto Loans
      • Recreational Vehicles
    • Personal & Business:
      • Personal Loans
      • Student Loans
      • Business Loans
    • Quick Links:
      • Calculators
        Estimate payments, set savings goals and more
      • Paying Your Loan
        See your loan payment options
      • Debt Consolidation
        Save money, simplify your budget and reduce stress
  • Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
    • What We Offer:
      • Investing
      • Insurance
      • Auto Warranty
      • Medicare Insurance
      • Estate Planning
    • Quick Links:
      • Set Up a Free IRA in Pennsylvania
        Check out this six-step guide to start reaping tax benefits
      • Missing Out on Insurance Savings?
        Get tips on how to spot savings in your insurance coverage
  • Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
    • Is PSECU Right for You?:
      • What's Digital-First Banking?
      • How We Serve Our Members
      • All Member Services
    • Quick Links:
      • Earn $300*!
        Open a new member account with PSECU and you can earn $300* in bonus cash when you meet promo requirements!
      • New Member Support
        Get the guidance you need to take control of your account
      • PSECU in the Community
        We’re not just about finances - we’re about making an impact.
Login
PSECU Logo
Login
  • Checking & Savings
      • Checking Accounts
      • Savings Accounts
      • Money Market Accounts
      • Certificates
      • Individual Retirement Accounts (IRAs)
      • For College Students
      • For Teens & Parents
      • For Youth & Parents
      • For Businesses
      • Calculators
        Estimate payments, set savings goals and more
      • Overdraft Services
        Check out PSECU's approach to overdraft services and fees
      • Understanding Money Market Accounts
        Learn how you can increase your savings with greater dividends
    Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

    Have questions? Browse our FAQs
  • Credit Cards
      • Classic Card
      • Founder's Rewards Card
      • Penn State Alumni Cards
      • Secured Visa® Card
      • Business Credit Cards
      • Balance Transfers
      • Card Comparison Guide
      • Calculators
        Estimate payments, set savings goals and more
      • Dispute a Credit Charge
        Report unauthorized transactions on your card
      • Is a Balance Transfer Right for Me?
        Find out how consolidating can simplify your finances
    Explore Our Rates

    See today’s credit card rates

    Have questions? Browse our FAQs
  • Loans
      • Mortgages
      • Home Equity
      • Auto Loans
      • Recreational Vehicles
      • Personal Loans
      • Student Loans
      • Business Loans
      • Calculators
        Estimate payments, set savings goals and more
      • Paying Your Loan
        See your loan payment options
      • Debt Consolidation
        Save money, simplify your budget and reduce stress
    Explore Our Rates

    See today’s auto loan, home equity product, mortgage, and personal loan rates

    Have questions? Browse our FAQs
  • Investing & Insurance
      • Investing
      • Insurance
      • Auto Warranty
      • Medicare Insurance
      • Estate Planning
      • Set Up a Free IRA in Pennsylvania
        Check out this six-step guide to start reaping tax benefits
      • Missing Out on Insurance Savings?
        Get tips on how to spot savings in your insurance coverage
    Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
  • About PSECU
      • What's Digital-First Banking?
      • How We Serve Our Members
      • All Member Services
      • Earn $300*!
        Open a new member account with PSECU and you can earn $300* in bonus cash when you meet promo requirements!
      • New Member Support
        Get the guidance you need to take control of your account
      • PSECU in the Community
        We’re not just about finances - we’re about making an impact.
    Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
  • Join PSECU
  • Refer a Friend
  • Rates
  • Find an ATM
  • Resources
  • Support
Routine maintenance is scheduled for 12 AM, Sunday March 16, 2025, and will take several hours to complete. During this timeframe, members will not be able to access digital banking, membership or loan applications, or our call center IVR menu. We apologize for any inconvenience.
We apologize for the inconvenience, but our application for membership is currently unavailable. We are currently working to resolve the issue.
You’re Leaving PSECU's Site

 
 

Select “Proceed” to continue to , or close this window to return to PSECU.com.

Proceed
  1. Back to Home
  2. Resource Center
  3. PSECU News
  4. How to Join PSECU
Article
3 Minute Read

How to Join PSECU

Share on email Share on facebook Share on linkedin Share on twitter

Are you feeling overwhelmed by your bank’s high fees, or do you wish your bank paid a little more attention to your personal needs?

If so, you’re not alone – few banks offer fee-free checking accounts or the personalized services that many people are looking for. As a result, more than 117.3 million people across the U.S. have turned to credit unions like PSECU to enjoy greater financial freedom.

As a credit union, we are member owned and not for profit, which means unlike a bank, we return surplus earnings to our members through Money Back Banking, providing everyday value with benefits like free checking, surcharge-free ATMs plus rebates*, cash rewards, low-rate refinance options, and more because we believe that your money should stay where it belongs – with you.

While anyone can join a bank, credit unions have eligibility requirements for membership. At PSECU, we offer many ways for people of all stages of life to become a member. These are the four paths you can take toward becoming a PSECU member:

1. Family or Those You Reside With

An easy way to become eligible to join PSECU is through association. If you live with someone who is a PSECU member (such as a roommate), or if you are related to a current PSECU member, you can start taking advantage of all the benefits we have to offer.

Qualifying relatives include:

  • Spouse
  • Parent or stepparent
  • Child or stepchild
  • Sibling or stepsibling
  • Grandparent
  • Grandchild
  • Adoptive relationships

2. Education

Whether you’re currently attending a college with a PSECU relationship or you’re a staff member or alumnus of a PSECU-affiliated school, we invite you to join PSECU through your campus affiliation.

We work with a wide range of universities across Pennsylvania to offer financial services right on campus. You can feel free to stop by one of our campus locations any time for helpful tips on making the most of your PSECU account.

Check out our campus locations to see if your school is in PSECU’s field of membership.

3. Employment

Are you a Pennsylvania state or local government employee, or do you work at a municipality or school district? If so, you’re eligible for PSECU membership.

Along with these workplaces, many other employers across the state also offer membership as a benefit. In fact, more than 1,000 employers throughout Pennsylvania provide PSECU membership eligibility. Check with your employer to find out if they offer credit union membership as an employee benefit.

4. Pennsylvania Recreation and Park Society Membership

Don’t meet any of the criteria above? No problem! You can still become eligible for PSECU membership by joining the Pennsylvania Recreation and Park Society (PRPS).

PRPS is a statewide association providing education, advocacy, and resources for those working and volunteering to manage Pennsylvania’s 6,000+ local parks. Park and recreation departments provide safe and affordable recreation opportunities, creating stronger and more inclusive communities.

PRPS membership dues are $20, but we cover $10 when you select to join PRPS during our application process.

How to Join PSECU

Why Switch to PSECU?

Now that you know how to join us, you may still be wondering what advantages we offer over traditional banks. Check out a couple of the many benefits of credit unions to help you make an informed decision about choosing our services:

  • Lower fees and better rates: Because we’re a not-for-profit organization, we offer the same or similar products and services as banks, but with few, if any, fees. In most cases, our loan rates are competitive with other lenders.
  • Nontraditional benefits: Along with our value, we also provide many unique benefits you won’t likely find at a bank. From product discounts and coupons to college scholarships and free financial education resources, our perks strengthen the financial well-being of both our members and our local community.

If you’d like more information, feel free to contact us with any questions about our member benefits.

Join PSECU Today

When you choose to make the switch to PSECU, you’re doing more than just changing financial institutions – you’re taking control of your financial future. Once you join, you can enjoy our services for life – even if life takes you out of Pennsylvania. We serve members throughout the state, across the country, and even around the world.

Since 1934, we’ve dedicated ourselves to helping people like you reach their financial goals and make smart financial decisions. More than 450,000 members enjoy the benefits of PSECU – and, with all the paths you can take toward PSECU membership, you can quickly start experiencing these benefits, too.

If you’re ready to begin your financial journey with us, why wait? Apply today to become a member.

*If 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. 

The content provided in this publication is for informational purposes only. Nothing stated is to be construed as financial or legal advice. Some products not offered by PSECU. PSECU does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs, or websites. PSECU does not warrant any advice provided by third parties. PSECU does not guarantee the accuracy or completeness of the information provided by third parties. PSECU recommends that you seek the advice of a qualified financial, tax, legal, or other professional if you have questions.

By: PSECU
Need to talk to us directly?
800.237.7328
Routing #: 231381116
  • Facebook
  • LinkedIn
  • Twitter
  • Instagram
  • Pinterest
  • YouTube
Awards Designations
  • Get to Know Us:
    • What's Digital-First Banking?
    • How We Serve Our Members
    • Financials
    • PSECU for Employers
    • Careers We're Hiring!
    • Resource Center
    • PSECU in the Community
  • Quick Links:
    • Rates
    • Calculators
    • Downloadable Forms
    • Become a Member
    • Refer a Friend
  • Contact & Support:
    • Support
    • Browse FAQs
    • Resume an Application
    • Find an ATM
    • Contact Us
  • Download the App:
    • App Store
    • Play Store
  • Sitemap
  • Disclosures & Agreements
  • Terms of Use
  • Fraud Prevention
  • Privacy
  • © 2025 PSECU. All Rights Reserved.
  • NCUA Insured by NCUA
  • Equal Housing Lender Equal Housing Lender