Our Rates

Checking, Savings & Money Market

Valid as of 09/28/2020 4:06 PM EDT
Description APY* Dividend Rate
Reg / Vacation / Christmas / S5 / IRA 0.05% 0.05%
Checking 0.05% 0.05%
Money Market 0.10% 0.10%
Youth Savings 1.00% 1.00%

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. Share accounts that qualify for youth savings rate will earn a higher APY on the first $500 in the account. Balances above the first $500 will accrue interest at the current Regular share rate.

Business Accounts: Business Regular shares require $500 to earn the advertised APY. Business Checking and Money Market accounts require a minimum of $2,500 to earn the advertised APY.

View Truth in Savings Account disclosure.

*APY denotes Annual Percentage Yield

 

 

Certificates & IRAs

Valid as of 09/28/2020 4:06 PM EDT
Description APY* Dividend Rate
3 months 0.25% 0.25%
6 months 0.30% 0.30%
9 months 0.35% 0.35%
12 months 0.45% 0.45%
18 months 0.50% 0.50%
24 months 0.60% 0.60%
36 months 0.70% 0.70%
48 months 0.85% 0.85%
60 months 0.95% 0.95%

*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. If the member has not contacted PSECU by the maturity date, the certificate will renew for the rate in effect on the date of maturity and for the same term as the original term. A penalty will be imposed for early withdrawal. A minimum daily balance of $500 must be maintained in order to earn the disclosed APY.

This content provided is for informational purposes only. Nothing stated is to be construed as financial or legal advice. PSECU recommends that you seek the advice of a qualified financial, tax, legal or other professional if you have questions.

Credit Cards

CURRENT RATES

Valid as of 09/28/2020 4:06 PM EDT
Description APR*
Founder's Card Balance Transfer 3.9%
Founder's Card Cash Advance 12.40%
Founder's Card Purchase 12.40%
Visa Classic Balance Transfer 2.9%
Visa Classic Cash Advance 9.90%
Visa Classic Purchase 9.90%
*APR denotes Annual Percentage Rate

PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% APR (annual percentage rate) promotional offer, Visa® Founder's Card and Visa® Alumni Rewards Card balance transfers will be treated as a cash advance and will accrue interest at 3.9% APR from the time that the transaction posts until 12/31/21; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is a variable APR equal to the Prime Rate plus a margin of 9.15%. Payments will be applied as stated in your PSECU Visa® Founder's and Visa® Alumni Rewards Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 3.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers do not qualify as eligible purchases for the cash back reward program. Balance transfers access credit under the terms of your Visa Founder's Card account as stated in the Visa® Founder’s and Visa® Alumni Rewards Consumer Credit Card Agreement.

PSECU Visa® Classic and Visa® Alumni Classic Card: When you take advantage of the 2.9% APR (annual percentage rate) promotional offer, Visa® balance transfers will be treated as a cash advance and will accrue interest at 2.9% APR from the time that the transaction posts until 12/31/21; thereafter, any remaining balance will begin to accrue interest at the cash advance rate, which is currently 9.90% APR and subject to change. Payments will be applied as stated in your Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement. A minimum of $250 must be requested for balance transfers through digital banking. Our 2.9% APR promotional offer cannot be used to pay off any PSECU loan or be made payable to cash, yourself, any joint owner(s) or co-maker(s). Balance transfers access credit under the terms of your Visa® account as stated in the Visa® Classic and Visa® Alumni Classic Consumer Credit Card Agreement.

Vehicle Loans

Valid as of 09/28/2020 4:06 PM EDT 
TERM APR* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 2.49%  $28.86/per $1,000 $3,000 $1,000
37-48 Months 3.24%  $22.24/per $1,000 $3,000 $1,000
49-60 Months 3.24%  $18.08/per $1,000 $6,000 $6,000
61-72 Months 3.24%  $15.31/per $1,000 $12,000 $12,000
73-84 Months 3.24%  $13.33/per $1,000 $20,000 $20,000
85-120 Months 7.74%  $12.01/per $1,000 $40,000 $40,000

*APR denotes Annual Percentage Rate

Rates reflect a .25% APR reduction for Automatic Payment Service and loan amounts up to 100% of the retail value of the vehicle. Your rate will increase if you discontinue Automatic Payment Service. PSECU will charge an additional 2% to the current interest rate when financing a vehicle for more than 100% and up to 120% of the retail value, and an additional 3% to the current interest rate when financing a vehicle for more than 120% and up to 130% of the retail value. PSECU will only finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Monthly payment example: 36 monthly payments of $28.86 per $1,000 borrowed at the 2.49% APR or 60 monthly payments of $18.08 per $1,000 borrowed at the 3.24% APR. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are subject to change. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Recreational Vehicle Loans

Valid as of 09/28/2020 4:06 PM EDT 
TERM APR* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 5.75%  $30.31/per $1,000 $3,000 $3,000
37-48 Months 5.75%  $23.37/per $1,000 $3,000 $3,000
49-60 Months 5.75%  $19.22/per $1,000 $3,000 $3,000
61-84 Months 6.00%  $14.61/per $1,000 $5,000 $5,000
85-120 Months 6.25%  $11.23/per $1,000 $15,000 $15,000
121-144 Months 6.25%  $9.89/per $1,000 $25,000 $25,000
145-180 Months 6.75%  $8.85/per $1,000 $50,000 $50,000

*APR denotes Annual Percentage Rate

PSECU will finance up to 100% of the retail value for recreational vehicles. Monthly payment example: 36 monthly payments of $30.31 per $1,000 borrowed at the 5.75% APR or 60 monthly payments of $19.22 per $1,000 borrowed at the 5.75% APR. The Manufacturer's Suggested Retail Price determines new recreational vehicle values; Kelley Blue Book® or other authorized guides determine used recreational vehicle values. Minimum value is $3,000. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. PSECU makes all final decisions regarding vehicle value and proper rate. Loan rates are subject to change. See the Consumer Note, Disclosure and Security Agreement or call 800.237.7328. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Real Estate Equity Loan

Valid as of 09/28/2020 4:06 PM EDT 
Description APR* Monthly Payment Example
5 Year Equity Loan-to-Value up to 80% 4.115%  $18.47/per $1,000
5 Year Equity Loan-to-Value greater than 80% to 90.00% 4.615%  $18.70/per $1,000
10 Year Equity Loan-to-Value up to 80% 4.865%  $10.55/per $1,000
10 Year Equity Loan-to-Value greater than 80% to 90.00% 5.365%  $10.79/per $1,000

*APR denotes Annual Percentage Rate

Home Equity Line of Credit Loan

Valid as of 09/28/2020 4:06 PM EDT 
DESCRIPTION APR*
Loan-to-Value greater than 80% to 90.00% 3.75% 
Loan-to-Value up to 80% 3.25% 

HOME EQUITY LINE OF CREDIT: The variable interest rate will be equal to the prime rate or prime rate plus .5% as published in the last issue of the Wall Street Journal on the last day before the current calendar month. For loan-to-value (LTV) up to 80%, the variable interest rate is equal to the prime rate. For a LTV greater than 80% up to 90%, the variable interest rate is prime rate plus .5%. There is a 10-year advance period with a 20-year repayment term (five-year advance period with a 10-year repayment on rental properties) from the date of the last advance. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%. The minimum APR is 3%.

*APR denotes Annual Percentage Rate

Fixed Mortgage Rates

Valid as of 09/28/2020 4:06 PM EDT 
Description Rate As Low As APR* Monthly Payment Example
10-year Fixed 0 points 2.750% 3.055% $9.55/per $1,000
10-year Fixed 1 point 2.625% 3.141% $9.49/per $1,000
10-year Fixed 2 points 2.500% 3.228% $9.43/per $1,000
10-year Fixed 3 points 2.375% 3.318% $9.38/per $1,000
15-year Fixed 0 points 2.875% 2.893% $6.85/per $1,000
15-year Fixed 1 point 2.750% 2.912% $6.79/per $1,000
15-year Fixed 2 points 2.625% 2.931% $6.73/per $1,000
15-year Fixed 3 points 2.500% 2.952% $6.67/per $1,000
20-year Fixed 0 points 3.250% 3.428% $5.68/per $1,000
20-year Fixed 1 point 3.125% 3.416% $5.61/per $1,000
20-year Fixed 2 points 3.000% 3.404% $5.55/per $1,000
20-year Fixed 3 points 2.875% 3.393% $5.49/per $1,000
30-year Fixed 0 points 3.375% 3.492% $4.43/per $1,000
30-year Fixed 1 point 3.250% 3.365% $4.36/per $1,000
30-year Fixed 2 points 3.125% 3.239% $4.29/per $1,000
30-year Fixed 3 points 3.000% 3.113% $4.22/per $1,000

*APR denotes Annual Percentage Rate

Rates, terms, and information are subject to change at any time. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing. Rates apply to loans up to Fannie Mae's conventional mortgage loan limits. Mortgage loan payment example: 10 year fixed 0 points of $9.55 per $1,000 borrowed at the 3.055% APR; 15 year fixed 0 points of $6.85 per $1,000 borrowed at the 2.893% APR; 20 year fixed 0 points of $5.68 per $1,000 borrowed at the 3.428% APR; 30 year fixed 0 points of $4.43 per $1,000 borrowed at the 3.492% APR. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, therefore actual payment amount is greater and varies from those shown. Loan amounts greater than 80% LTV are subject to meeting private mortgage insurance requirements. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 800.237.7328, extension 3864.

Adjustable Mortgage Rates

Valid as of 09/28/2020 4:06 PM EDT 
Description Rate As Low As APR* Monthly Payment Example
15-year 1/1 Variable 2.750% 2.836% $6.79/per $1,000 for 1 year, 1 year ARM after
30-year 1/1 Variable 3.250% 2.780% $4.36/per $1,000 for 1 year, 1 year ARM after
30-year 3/1 Variable 3.000% 2.415% $4.22/per $1,000 for 3 years, 1 year ARM after
30-year 5/1 Variable 3.500% 2.913% $4.50/per $1,000 for 5 years, 1 year ARM after
30-year 7/1 Variable 3.625% 2.925% $4.57/per $1,000 for 7 years, 1 year ARM after

*APR denotes Annual Percentage Rate

Rates, terms and information are variable and subject to change daily based on the 1 year Treasury or LIBOR Index without prior notice, , and apply to loans up to Fannie Mae's conventional mortgage loan limits. All ARMs of 1/1, 3/1, 5/1 and 7/1 offer a fixed rate for the initial period of the loan and adjust to a one year ARM after that period. The interest rate and monthly payment may increase after closing and initial fixed period plus a margin of 2.5% for 1/1 ARMs and 1.75% for 3/1, 5/1 and 7/1 ARMs with a 5% lifetime cap for 1/1, 5/1 and 7/1 ARMs and 6% for 3/1 ARMs. Rates and/or points are based on several factors including but not limited to: property type, loan to value, loan purpose, credit score and subordinate financing. Mortgage loan payment example: 30 year 5/1 variable of $4.49 per $1,000 borrowed at 3.500% for the first 60 payments; 12 payments of $5.51 per $1,000 borrowed if the rate adjusts to the annual maximum of 5.500%; 12 payments of $6.59 per $1,000 borrowed if the rate adjusts to the annual maximum of 7.500%; 275 payments of $7.16 per $1,000 borrowed if the rate adjusts to the ceiling at 8.500%, with a final payment of $7.14. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, therefore actual payment amount is greater and varies from those shown. Loan amounts greater than 80% LTV are subject to meeting private mortgage insurance requirements. Please contact us for specific rate information, mortgage loan limits or down payment requirements at 800.237.7328, extension 3864. The interest rate may increase after closing, affecting payment.

Personal Loans

Valid as of 09/28/2020 4:06 PM EDT
Description APR*
Signature Loan 7.90%
Rates and information are subject to change at any time.

*APR denotes Annual Percentage Rate
Monthly Payment Original Loan Amount Loan Term
$100 $1,000 to $5,000 11 to 67 months
$200 $5,000.01 to $10,000 32 to 67 months
$300 $10,000.01 to $15,000 43 to 67 months
$400 $15,000.01 to $20,000 48 to 67 months
Rates and information are subject to change at any time.