Our Rates

Savings & Checking

Valid as of 08/16/2022 9:00 AM EDT 
Description APY* Dividend Rate
Savings Shares (Regular, Additional & IRA) 0.15% 0.15%
Youth Savings (Balances of $.01 to $500.00) 1.00% 1.00%
Youth Savings (Balances of $500.01 and over) 0.15% 0.15%
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 08/16/2022 9:00 AM EDT 
Description APY* Dividend Rate
Balances of $500.00 to $4,999.99 0.25% 0.25%
Balances of $5,000.00 to $19,999.99 0.30% 0.30%
Balances of $20,000.00 to $49,999.99 0.35% 0.35%
Balances of $50,000.00 to $99,999.99 0.40% 0.40%
Balances of $100,000.00 and over 0.50% 0.50%

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

Certificates & IRA Certificates

Valid as of 08/16/2022 9:00 AM EDT 
Description APY* Dividend Rate
3 months 0.50% 0.50%
6 months 0.75% 0.75%
9 months 1.00% 1.00%
12 months 1.25% 1.24%
18 months 2.00% 1.98%
24 months 1.25% 1.24%
36 months 1.35% 1.34%
48 months 1.45% 1.44%
60 months 1.55% 1.54%

*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 08/16/2022 9:00 AM EDT 
Description APR*
Founder's Card Purchase 14.65%
Founder's Card Cash Advance 14.65%
Founder's Card Balance Transfer 14.65%
Visa Classic Purchase 9.90%
Visa Classic Cash Advance 9.90%
Visa Classic Balance Transfer 9.90%

*APR denotes Annual Percentage Rate

Simplify Your Debt + Save More with PSECU's Low Rate Visa Balance Transfer Promo

Vehicle Loans

Valid as of 08/16/2022 9:00 AM EDT 
Term Rates As Low As* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 4.24% $29.63/per $1000.00 $3,000.00 $1,000.00
37-48 Months 4.74% $22.92/per $1000.00 $6,000.00 $1,000.00
49-60 Months 4.74% $18.76/per $1000.00 $8,000.00 $1,000.00
61-72 Months 4.74% $15.99/per $1000.00 $12,000.00 $1,000.00
73-84 Months 5.24% $14.25/per $1000.00 $20,000.00 $1,000.00
85-120 Months 9.49% $12.94/per $1000.00 $40,000.00 $40,000.00

*Rates “as low as” 4.24% 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 4.24%. Maximum APR is 14.99%. Rates reflect a .25% Annual Percentage Rate (APR) reduction for Automatic Payment Service. Your rate will increase if you discontinue Automatic Payment Service. 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 $29.63 per $1,000 borrowed at the 4.24% APR or 72 monthly payments of $15.99 per $1,000 borrowed at the 4.74% 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.

Recreational Vehicle Loans

Valid as of 08/16/2022 9:00 AM EDT 
Term APR* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 7.75% $31.22/per $1000.00 $3,000.00 $3,000.00
37-48 Months 7.75% $24.30/per $1000.00 $3,000.00 $3,000.00
49-60 Months 7.75% $20.16/per $1000.00 $3,000.00 $3,000.00
61-84 Months 8.00% $15.59/per $1000.00 $5,000.00 $5,000.00
85-120 Months 8.25% $12.27/per $1000.00 $15,000.00 $15,000.00
121-144 Months 8.25% $10.97/per $1000.00 $25,000.00 $25,000.00
145-180 Months 8.75% $10.00/per $1000.00 $50,000.00 $50,000.00

*APR denotes Annual Percentage Rate

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. Monthly payment example: 36 monthly payments of $31.22 per $1,000 borrowed at the 7.75% APR or 60 monthly payments of $20.16 per $1,000 borrowed at the 7.75% 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, 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 08/16/2022 9:00 AM EDT 
Description APR* Monthly Payment Example
5 Year Equity Loan-to-Value up to 80% 4.865% $18.81/per $1000.00
5 Year Equity Loan-to-Value greater than 80% to 90.00% 5.615% $19.16/per $1000.00
10 Year Equity Loan-to-Value up to 80% 5.115% $10.67/per $1000.00
10 Year Equity Loan-to-Value greater than 80% to 90.00% 5.865% $11.04/per $1000.00

*APR denotes Annual Percentage Rate

REAL ESTATE EQUITY LOAN: 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. 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 4.865% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $18.81 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 5.615% for 60 months for a monthly payment of $19.16 per $1,000 borrowed. A 5.115% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $10.67 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 5.865% for 120 months for a monthly payment of $11.04 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. 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 (HELOC)

Valid as of 08/16/2022 9:00 AM EDT 
Description APR*
Home Equity Line of Credit Loan-to-Value up to 80% 5.50%
Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% 6.00%
HELOC Plus Variable Loan-to-Value up to 80% 5.50%
HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% 6.00%
HELOC Plus Fixed Loan-to-Value up to 80% 6.00%
HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% 6.50%

HOME EQUITY LINE OF CREDIT: The APR for variable advance(s) will be equal to the Prime Rate as published in the last issue of the Wall Street Journal on the last day of 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. 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. There is no required minimum advance amount. Advances can only be made up to approved credit limit and to extent there is available credit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%. The minimum APR is 3%.

HELOC Plus: 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 of 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%. The minimum APR is 3%.

*APR denotes Annual Percentage Rate

Fixed Mortgage

Valid as of 08/16/2022 9:00 AM EDT 
Description Rate As Low As APR* Monthly Payment Example
10-year Fixed 0 points 4.875% 5.231% $10.55/per $1000.00
10-year Fixed 1 points 4.750% 5.325% $10.49/per $1000.00
10-year Fixed 2 points 4.625% 5.422% $10.43/per $1000.00
10-year Fixed 3 points 4.500% 5.521% $10.37/per $1000.00
15-year Fixed 0 points 5.000% 5.258% $7.91/per $1000.00
15-year Fixed 1 points 4.875% 5.287% $7.85/per $1000.00
15-year Fixed 2 points 4.750% 5.316% $7.79/per $1000.00
15-year Fixed 3 points 4.625% 5.347% $7.72/per $1000.00
20-year Fixed 0 points 5.000% 5.213% $6.61/per $1000.00
20-year Fixed 1 points 4.875% 5.206% $6.54/per $1000.00
20-year Fixed 2 points 4.750% 5.202% $6.47/per $1000.00
20-year Fixed 3 points 4.625% 5.199% $6.40/per $1000.00
30-year Fixed 0 points 5.500% 5.643% $5.69/per $1000.00
30-year Fixed 1 points 5.375% 5.517% $5.61/per $1000.00
30-year Fixed 2 points 5.250% 5.389% $5.53/per $1000.00
30-year Fixed 3 points 5.125% 5.263% $5.45/per $1000.00

*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 $10.55 per $1,000 borrowed at the 5.231% APR; 15 year fixed 0 points of $7.91 per $1,000 borrowed at the 5.258% APR; 20 year fixed 0 points of $6.61 per $1,000 borrowed at the 5.213% APR; 30 year fixed 0 points of $5.69 per $1,000 borrowed at the 5.643% 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 08/16/2022 9:00 AM EDT 
Description Rate As Low As APR* Monthly Payment Example
15-year 1/1 Variable 2.750% 5.066% $6.79/per $1000.00 for 1 year, 1 year ARM after
30-year 1/1 Variable 3.250% 5.405% $4.36/per $1000.00 for 1 year, 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, and apply to loans up to Fannie Mae's conventional mortgage loan limits. All ARMs of 1/1 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% with a 5% lifetime cap. 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: 1/1 30 year variable of $4.36 per $1,000 borrowed at 3.250% for the first 12 payments; 12 payments of $4.93 per $1,000 borrowed if the rate adjusts to the annual maximum of 4.250%; 12 payments of $5.53 per $1,000 borrowed if the rate adjusts to the annual maximum of 5.250%; 12 payments of $6.16 per $1,000 borrowed if the rate adjusts to the annual maximum of 6.250%; 12 payments of $6.83 per $1,000 borrowed if the rate adjusts to the annual maximum of 7.250%; 299 payments of $7.89 per $1,000 borrowed if the rate adjusts to the ceiling at 8.250%, with a final payment of $3.36. 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% 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. The interest rate may increase after closing, affecting payment.

Personal Loan

Valid as of 08/16/2022 9:00 AM EDT 
Description Rates as low as
Signature Loan 7.99%

*Rates “as low as” 7.99% 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 7.99% APR. Rates, terms, payments amount, and loan amount are subject to change.

Monthly Payment Original Loan Amount Loan Term*
$100.00 $1,000.00 to $5,000.00 11-79 Months
$200.00 $5,000.01 to $10,000.00 27-79 Months
$300.00 $10,000.01 to $15,000.00 37-79 Months
$400.00 $15,000.01 to $20,000.00 42-79 Months

Signature Plus Line of Credit

Valid as of 08/16/2022 9:00 AM EDT 
Description Rates as low as Minimum Advance Amount
Signature Plus Line of Credit Variable Advance 8.74% $0.00 
Signature Plus Line of Credit Fixed Advance 8.24% $1,000.00 

Rates "as low as" 8.24% 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) and fixed advance(s)will be equal to the Prime Rate, plus a margin, as published in the last issue of the Wall Street Journal on the last day of before the current calendar month. Fixed advance(s) are determined at the time of the advance. The minimum line of credit advance for a fixed rate advance is $1,000 with a maximum 36-month repayment term; $6,000 to obtain a maximum 48-month repayment term; $8,000 to obtain a maximum 60-month repayment term. Limit of three fixed rate advances outstanding at one time. There is no required minimum line of credit advance amount for a variable rate advance and no limit on the number of variable advances. All advances are subject to available credit and can only be made up to your approved credit limit. The maximum line of credit amount is $20,000. The monthly payment may vary. The maximum APR is 18%.