Our Rates

Savings & Checking

Valid as of XX/XX/XXXX
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%

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. Youth Savings Accounts will earn a higher APY for balances of $.01 to $500.00. For balances of $500.01 and over, the Regular Savings Share APY will apply. Business Accounts: Business Regular shares require $500 to earn dividends. Business Checking accounts require a minimum of $2,500 to earn dividends.

View Truth in Savings Account Disclosures.

*APY denotes Annual Percentage Yield.

Money Market

Valid as of XX/XX/XXXX
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%

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). Money Market accounts require a minimum of $500 to earn dividends. Business Accounts: Business Money Market accounts require a minimum of $2,500 to earn dividends. View Truth in Savings Account Disclosures.

*APY denotes Annual Percentage Yield.

Launch Your Savings with a Money Market Account.

Certificates & IRA Certificates

Valid as of XX/XX/XXXX
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%

*APY denotes Annual Percentage Yield.

Rates and information are subject to change 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 10 calendar days after maturity to redeem your certificate without penalty if you do not want to renew. If you have 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 Annual Percentage Yield (APY).

View Truth in Savings Account Disclosures.

Credit Cards

Valid as of XX/XX/XXXX
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%

*APR denotes Annual Percentage Rate.

Vehicle Loans

Valid as of XX/XX/XXXX
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

*Rates “as low as” 6.64% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.64%. Maximum APR is 13.89%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. 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. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 36 monthly payments of $30.72 per $1,000 borrowed at the 6.64% APR or 72 monthly payments of $17.12 per $1,000 borrowed at the 7.14% APR. 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. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Recreational Vehicle Loans

Valid as of XX/XX/XXXX
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

*PSECU will finance up to 100% of the retail value of recreational vehicles. PSECU will finance up to a maximum loan amount of $125,000. Rates “as low as” 7.74% APR assumes excellent creditworthiness; you rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 7.74%. Maximum APR is 14.74%. PSECU will finance up to 100% of the retail value for recreational vehicles. Value of the recreational vehicle to be determined prior to final loan amount. 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. PSECU will finance up to a maximum loan amount of $125,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 36 monthly payments of $31.22 per $1,000 borrowed at the 7.74% APR or 60 monthly payments of $20.16 per $1,000 borrowed at the 7.74% APR. 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. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Real Estate Equity Loan

Valid as of XX/XX/XXXX
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

*APR denotes Annual Percentage Rate.

Rates "as low as" 5.990% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum loan amount is $5,000. Loan rates, terms, and information are subject to change at any time. Fixed-rate Real Estate Equity loans are available for primary residences, second homes and investment properties. Payment example: a 5.990% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.33 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.740% for 60 months for a monthly payment of $19.68 per $1,000 borrowed. A 6.240% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.23 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.990% for 120 months for a monthly payment of $11.61 per $1,000 borrowed. A 6.740% fixed APR applies for a 180-month term and LTV up to 80% for a monthly payment of $8.85 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.490% for 180 months for a monthly payment of $9.27 per $1,000 borrowed. A 7.990% fixed APR applies for a 240-month term and LTV up to 80% for a monthly payment of $8.37 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 8.740% for 240 months for a monthly payment of $8.84 per $1,000 borrowed. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, if applicable; therefore, actual payment may be greater and vary from those shown.

Home Equity Line of Credit Plus (HELOC Plus)

Valid as of XX/XX/XXXX
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%

Rates "as low as" 8.50% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for variable advance(s) or fixed advance(s) will be equal to the Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the Prime Rate plus a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is Prime Rate plus a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the Prime Rate plus a margin. Fixed Advance(s)are determined at the time of the advance. There is a 10-year advance period with a 20-year repayment period (5-year advance period with a 10-year repayment period on rental properties) from the date of the last advance. The minimum line of credit advance for a fixed rate advance is $5,000 with a limit of three fixed rate advances outstanding at one time. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

APR denotes Annual Percentage Rate.

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

Valid as of XX/XX/XXXX
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

Additional terms and rates are available with the purchase of points. Please contact a mortgage consultant for more information at 800.237.7328 ext 3878.

*APR denotes Annual Percentage Rate. The APR reflects the total cost of the loan and takes into consideration not only the interest rate, but other charges or fees such as mortgage insurance, some closing costs, and points. The APR represents the annual cost of the loan stated as a percentage.

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, occupancy, credit score, and subordinate financing. Rates apply to loans up to Fannie Mae’s conforming mortgage loan limits. Mortgage loan payment example: 10 year fixed 0 points of $11.23 per $1,000 borrowed at the 6.480% APR; 15 year fixed 0 points of $8.58 per $1,000 borrowed at the 6.414% APR; 20 year fixed 0 points of $7.39 per $1,000 borrowed at the 6.507% APR; 25 year fixed 0 points of $6.84 per $1,000 borrowed at the 6.739% APR; 30 year fixed 0 points of $6.41 per $1,000 borrowed at the 6.726% 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 3878.

Adjustable Mortgage

Valid as of XX/XX/XXXX
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

Additional terms and rates are available. Please contact a mortgage consultant for more information at 800.237.7328 ext 3878.

*APR denotes Annual Percentage Rate. The APR reflects the total cost of the loan and takes into consideration not only the interest rate, but other charges or fees such as mortgage insurance, some closing costs, and points. The APR represents the annual cost of the loan stated as a percentage.

Rates, terms and information are variable and subject to change daily based on the 1 year Treasury Constant Maturity (Federal Reserve), and apply to loans up to Fannie Mae’s conforming mortgage loan limits. All ARMs offer a fixed rate for the initial period of the loan and may adjust annually thereafter. The interest rate and monthly payment may increase after closing. The maximum the rate can increase or decrease in any one year is 1%. The lifetime cap is 5% higher than the initial rate and the rate will not go below the margin. Rates and/or points are based on several factors, including but not limited to: property type, loan to value, loan purpose, occupancy, credit score, and subordinate financing. Mortgage loan payment example: 1/1 30 year variable of $5.84 per $1,000 borrowed at 5.75% for the first 12 payments; 12 payments of $6.49 per $1,000 borrowed if the rate adjusts to the annual maximum of 6.75%; 12 payments of $7.17 per $1,000 borrowed if the rate adjusts to the annual maximum of 7.75%; 12 payments of $7.88 per $1,000 borrowed if the rate adjusts to the annual maximum of 8.75%; 12 payments of $8.60 per $1,000 borrowed if the rate adjusts to the annual maximum of 9.75%; 299 payments of $9.35 per $1,000 borrowed if the rate adjusts to the ceiling at 10.75%. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, therefore, actual payment amount may be greater and varies from those shown. Loan amounts greater than 80% loan-to-value (LTV) ratio 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 3878.

Personal Loan

Valid as of XX/XX/XXXX
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

*Rates “as low as” 9.99% APR and assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Unsecured loan amounts available from $1,000 to $20,000. Actual loan term and monthly payment amount will vary based on approved loan amount. Payment example: A loan amount of $10,000 will have a loan term of 61 months and monthly payment amount of $200 at 9.99% APR. Rates, terms, payments amount, and loan amount are subject to change.

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