Our Rates
Savings & Checking
Description | APY* | Dividend Rate | |
---|---|---|---|
Savings Shares (Regular, Additional & IRA) | 0.50% | 0.50% | |
Youth Savings (Balances of $.01 to $500.00) | 4.00% | 3.93% | |
Youth Savings (Balances of $500.01 and over) | 0.50% | 0.50% | |
Checking | 0.20% | 0.20% |
Money Market
Description | APY* | Dividend Rate | |
---|---|---|---|
Balances of $500.00 to $4,999.99 | 2.50% | 2.47% | |
Balances of $5,000.00 to $19,999.99 | 2.50% | 2.47% | |
Balances of $20,000.00 to $49,999.99 | 2.50% | 2.47% | |
Balances of $50,000.00 to $99,999.99 | 2.75% | 2.72% | |
Balances of $100,000.00 and over | 3.00% | 2.96% |
Certificates & IRA Certificates
Description | APY* | Dividend Rate | |
---|---|---|---|
3 months | 1.50% | 1.49% | |
6 months | 4.00% | 3.93% | |
9 months | 5.15% | 5.03% | |
12 months | 5.15% | 5.03% | |
18 months | 4.09% | 4.02% | |
24 months | 3.25% | 3.20% | |
36 months | 3.15% | 3.11% | |
48 months | 3.05% | 3.01% | |
60 months | 2.95% | 2.91% |
Credit Cards
Description | APR* | |
---|---|---|
Founder's Card Purchase | 17.65% | |
Founder's Card Cash Advance | 18.00% | |
Visa Classic Purchase | 12.90% | |
Visa Classic Cash Advance | 14.90% | |
Secured Visa Card Purchase | 12.90% | |
Secured Visa Card Cash Advance | 14.90% |
Vehicle Loans
Term | Rates As Low As* | Monthly Payment | Value (Minimum) | Loan Amount (Minimum) | |
---|---|---|---|---|---|
1-36 Months | 6.64% |
$30.72
/ per $1000.00 |
$3,000.00 | $1,000.00 | |
37-48 Months | 7.14% |
$24.02
/ per $1000.00 |
$6,000.00 | $1,000.00 | |
49-60 Months | 7.14% |
$19.87
/ per $1000.00 |
$8,000.00 | $1,000.00 | |
61-72 Months | 7.14% |
$17.12
/ per $1000.00 |
$12,000.00 | $1,000.00 | |
73-84 Months | 7.64% |
$15.41
/ per $1000.00 |
$20,000.00 | $1,000.00 | |
85-120 Months | 9.64% |
$13.02
/ per $1000.00 |
$40,000.00 | $40,000.00 |
Recreational Vehicle Loans
Term | Rates As Low As* | Monthly Payment | Value (Minimum) | Loan Amount (Minimum) | |
---|---|---|---|---|---|
1-36 Months | 7.74% |
$31.22
/ per $1000.00 |
$3,000.00 | $3,000.00 | |
37-48 Months | 7.74% |
$24.30
/ per $1000.00 |
$3,000.00 | $3,000.00 | |
49-60 Months | 7.74% |
$20.16
/ per $1000.00 |
$3,000.00 | $3,000.00 | |
61-84 Months | 8.49% |
$15.84
/ per $1000.00 |
$5,000.00 | $5,000.00 | |
85-120 Months | 8.49% |
$12.40
/ per $1000.00 |
$15,000.00 | $15,000.00 | |
121-144 Months | 8.49% |
$11.10
/ per $1000.00 |
$25,000.00 | $25,000.00 | |
145-180 Months | 9.49% |
$10.44
/ per $1000.00 |
$50,000.00 | $50,000.00 |
Real Estate Equity Loan
Description | APR* As Low As | Monthly Payment Example | |
---|---|---|---|
5 Year Equity Loan-to-Value up to 80% | 5.990% |
$19.33
/ per $1000.00 |
|
5 Year Equity Loan-to-Value greater than 80% to 90% | 6.740% |
$19.68
/ per $1000.00 |
|
10 Year Equity Loan-to-Value up to 80% | 6.240% |
$11.23
/ per $1000.00 |
|
10 Year Equity Loan-to-Value greater than 80% to 90% | 6.990% |
$11.61
/ per $1000.00 |
|
15 Year Equity Loan-to-Value up to 80% | 6.740% |
$8.85
/ per $1000.00 |
|
15 Year Equity Loan-to-Value greater than 80% to 90% | 7.490% |
$9.27
/ per $1000.00 |
|
20 Year Equity Loan-to-Value up to 80% | 7.990% |
$8.37
/ per $1000.00 |
|
20 Year Equity Loan-to-Value greater than 80% to 90% | 8.740% |
$8.84
/ per $1000.00 |
Home Equity Line of Credit Plus (HELOC Plus)
Description | APR* | |
---|---|---|
HELOC Plus Variable Loan-to-Value up to 80% | 8.50% | |
HELOC Plus Fixed Loan-to-Value up to 80% | 9.00% | |
HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% | 9.00% | |
HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% | 9.50% |
Home Equity Line of Credit (HELOC)
HELOC: IMPORTANT NOTICE - As of 11/30/2023 this product is no longer being offered for new applications. Members with pending applications will still be processed. Existing members who currently use the HELOC product can continue to do so with no interruptions or changes and can inquire about their current variable rate by calling PSECU directly at 1-800-237-7328 for more details.
Fixed Mortgage
Description | Rates As Low As | APR* | Monthly Payment Example | |
---|---|---|---|---|
10 Year Fixed Rate | 6.250% | 6.480% |
$11.23
/ per $1000.00 |
|
15 Year Fixed Rate | 6.250% | 6.414% |
$8.58
/ per $1000.00 |
|
20 Year Fixed Rate | 6.375% | 6.507% |
$7.39
/ per $1000.00 |
|
25 Year Fixed Rate | 6.625% | 6.739% |
$6.84
/ per $1000.00 |
|
30 Year Fixed Rate | 6.625% | 6.726% |
$6.41
/ per $1000.00 |
Adjustable Mortgage
Description | Initial Rates As Low As | APR* | Margin | Monthly Payment Example | |
---|---|---|---|---|---|
30-Year 1/1 Adjustable | 5.750% | 7.824% | 2.75% | $5.84 /per $1000.00 for 1st year, 1 year ARM after | |
30-Year 3/1 Adjustable | 5.875% | 7.502% | 2.75% | $5.92 /per $1000.00 for 3 years, 1 year ARM after | |
30-Year 5/1 Adjustable | 6.000% | 7.272% | 2.75% | $6.00 /per $1000.00 for 5 years, 1 year ARM after | |
30-Year 7/1 Adjustable | 6.125% | 7.115% | 2.75% | $6.08 /per $1000.00 for 7 years, 1 year ARM after |
Personal Loan
Description | Rates As Low As* | Monthly Payment | Original Loan Amount | Loan Term | |
---|---|---|---|---|---|
Signature Loan | 9.99% | $100.00 | $1,000.00 to $5,000.00 | 11-94 Months | |
Signature Loan | 9.99% | $200.00 | $5,000.01 to $10,000.00 | 27-94 Months | |
Signature Loan | 9.99% | $300.00 | $10,000.01 to $15,000.00 | 37-94 Months | |
Signature Loan | 9.99% | $400.00 | $15,000.01 to $20,000.00 | 42-94 Months |
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