Our Rates

Today's Featured Rates

Savings & Checking

Valid as of XX/XX/XXXX
Description APY* Dividend Rate
Savings Shares (Regular, Additional & IRA) 0.25% 0.25%
Youth Savings (Balances of $.01 to $500.00) 4.00% 3.93%
Youth Savings (Balances of $500.01 and over) 0.25% 0.25%
Checking 0.10% 0.10%

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. For consumer accounts, view Truth in Savings Account Disclosures.

Business Accounts: Business money market accounts require a minimum of $2,500 to earn dividends.

*APY denotes Annual Percentage Yield.

Certificates & IRA Certificates

Valid as of XX/XX/XXXX
Description APY* Dividend Rate
3 months 1.50% 1.49%
6 months 3.80% 3.74%
9 months 3.90% 3.83%
12 months 3.55% 3.49%
18 months 3.55% 3.49%
24 months 3.55% 3.49%
36 months 2.60% 2.57%
48 months 2.65% 2.62%
60 months 2.70% 2.67%

*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 16.65%
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.

New & Used Auto Loans

Valid as of XX/XX/XXXX

Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.89% $18.50 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.09% $16.07 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.49% $14.85 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.49% $14.39 / per
$1,000.00		 $40,000.00 $12,000.00
Rates “as low as” 5.89% 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 5.89%. Maximum APR is 12.59%. 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: 63 monthly payments of $18.38 per $1,000 borrowed at the 5.89% APR or 75 monthly payments of $16.07 per $1,000 borrowed at the 6.09% 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. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. 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.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.14% $18.61 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.34% $16.19 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.74% $14.97 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.74% $14.52 / per
$1,000.00		 $40,000.00 $12,000.00
Rates “as low as” 6.14% 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 6.14%. Maximum APR is 12.84%. 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: 63 monthly payments of $18.61 per $1,000 borrowed at the 6.14% APR or 75 monthly payments of $16.18 per $1,000 borrowed at the 6.34% 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. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. 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.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.64% $18.85 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.84% $16.43 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 7.24% $15.21 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 9.24% $14.78 / per
$1,000.00		 $40,000.00 $12,000.00
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 13.34%. 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: 63 monthly payments of $18.84 per $1,000 borrowed at the 6.64% APR or 75 monthly payments of $16.42 per $1,000 borrowed at the 6.84% 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. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. 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.

Auto Loan Refinance

 

Valid as of XX/XX/XXXX

Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.64% $18.38 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 5.84% $15.95 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.24% $14.73 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.24% $14.26 / per
$1,000.00		 $40,000.00 $12,000.00

* Rates "as low as" 5.64% 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 5.64%. Maximum APR is 12.09%. 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: 63 monthly payments of $18.38 per $1,000 borrowed at the 5.64% APR or 75 monthly payments of $15.95 per $1,000 borrowed at the 5.84% 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.

Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.89% $18.50 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.09% $16.07 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.49% $14.85 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.49% $14.39 / per
$1,000.00		 $40,000.00 $12,000.00

* Rates "as low as" 5.89% 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 5.89%. Maximum APR is 12.34%. 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: 63 monthly payments of $18.49 per $1,000 borrowed at the 5.89% APR or 75 monthly payments of $16.07 per $1,000 borrowed at the 6.09% 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.

Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.39% $18.73 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.59% $16.31 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.99% $15.09 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.99% $14.65 / per
$1,000.00		 $40,000.00 $12,000.00

* Rates "as low as" 6.39% 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 6.39%. Maximum APR is 12.84%. 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: 63 monthly payments of $18.73 per $1,000 borrowed at the 6.39% APR or 75 monthly payments of $16.30 per $1,000 borrowed at the 6.59% 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 Loan Amount (Minimum)
1 - 60 Months 6.99% $19.80 / per
$1,000.00		 $3,000.00
61 - 96 Months 7.24% $13.76 / per
$1,000.00		 $20,000.00
97 - 120 Months 7.49% $11.87 / per
$1,000.00		 $50,000.00
121 - 180 Months 8.24% $9.70 / per
$1,000.00		 $75,000.00
181 - 240 Months 8.74% $8.84 / per
$1,000.00		 $100,000.00

* Rates “as low as” 6.99% 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 6.99%. Maximum APR is 13.99%. PSECU will finance up to 110% 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 $200,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 36 monthly payments of $30.87 per $1,000 borrowed at the 6.99% APR or 60 monthly payments of $19.80 per $1,000 borrowed at the 6.99% 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 Loans

Valid as of XX/XX/XXXX
Description APR* As Low As Monthly Payment Example
5 Year Equity Loan-to-Value up to 80% 5.94% $19.31 / per
$1,000.00
5 Year Equity Loan-to-Value greater than 80% to 90% 6.69% $19.66 / per
$1,000.00
10 Year Equity Loan-to-Value up to 80% 6.14% $11.18 / per
$1,000.00
10 Year Equity Loan-to-Value greater than 80% to 90% 6.89% $11.56 / per
$1,000.00
15 Year Equity Loan-to-Value up to 80% 6.64% $8.80 / per
$1,000.00
15 Year Equity Loan-to-Value greater than 80% to 90% 7.39% $9.22 / per
$1,000.00
20 Year Equity Loan-to-Value up to 80% 7.74% $8.21 / per
$1,000.00
20 Year Equity Loan-to-Value greater than 80% to 90% 8.49% $8.68 / per
$1,000.00

*APR denotes Annual Percentage Rate.

Rates "as low as" 5.940% 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 5.940% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.31 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.690% for 60 months for a monthly payment of $19.66 per $1,000 borrowed. A 6.140% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.18 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.890% for 120 months for a monthly payment of $11.56 per $1,000 borrowed. A 6.640% fixed APR applies for a 180-month term and LTV up to 80% for a monthly payment of $8.80 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.390% for 180 months for a monthly payment of $9.22 per $1,000 borrowed. A 7.740% fixed APR applies for a 240-month term and LTV up to 80% for a monthly payment of $8.21 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 8.490% for 240 months for a monthly payment of $8.68 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 Flex (HELOC Flex)

Valid as of XX/XX/XXXX
Description APR* As Low As
HELOC Flex Variable Loan-to-Value up to 80% 7.50%
HELOC Flex Variable Loan-to-Value greater than 80% to 90.00% 8.00%

Rates "as low as" 7.50% 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 a variable advance(s) will be equal to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the WSJ Prime Rate combined with a margin. For loan-to-value (LTV) up to 80%, the APR for a variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for a variable advance(s) is WSJ Prime Rate combined with a margin. There is a 10-year advance period with a 20-year amortized repayment period based on the principal balance when the repayment period begins. 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 Plus (HELOC Plus)

Valid as of XX/XX/XXXX
Description APR* As Low As
HELOC Plus Variable Loan-to-Value up to 80% 7.50%
HELOC Plus Fixed Loan-to-Value up to 80% 8.00%
HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% 8.00%
HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% 8.50%

Rates "as low as" 7.50% 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 WSJ 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 combined with a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate combined with a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the WSJ Prime Rate combined with 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.

Mortgages

For current mortgage rates, please contact one of our mortgage consultants at 800.237.7328, extension 3878.

Explore Mortgage Options
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Personal Loan

Valid as of XX/XX/XXXX
Term Rates As Low As* Monthly Payment Loan Amount (Minimum)
1-36 Months 8.99% $31.80 / per
$1,000.00		 $1,000.00
37-60 Months 9.99% $21.25 / per
$1,000.00		 $3,000.00
61-84 Months 11.99% $17.65 / per
$1,000.00		 $5,000.00

* Rates “as low as” 8.99% 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. Rates, terms, payments amount, and loan amount are subject to change.

 

 

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