Our Rates

Today's Featured Rates

2025-11-07 07:43:32

Savings & Checking

Valid as of 11/07/2025 12:00 AM EDT
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 11/07/2025 12:00 AM EDT
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 11/07/2025 12:00 AM EDT
Description APY* Dividend Rate
3 months 1.50% 1.49%
6 months 4.20% 4.12%
9 months 3.80% 3.74%
12 months 3.90% 3.83%
18 months 3.55% 3.49%
24 months 3.75% 3.69%
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 11/07/2025 12:00 AM EDT
Description APR*
Founder's Card Purchase 16.15%
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 11/07/2025 12:00 AM EDT

  • 2022 Model Year and Newer
  • 2021 - 2019 Model Year
  • 2018 Model Year and Older
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.44% $18.29 / per
$1,000,00		 $3,000.00 $1,000.00
64 - 75 Months 5.64% $15.86 / per
$1,000,00		 $12,000.00 $4,000.00
76 - 84 Months 6.04% $14.63 / per
$1,000,00		 $20,000.00 $6,000.00
85 - 96 Months 7.04% $13.66 / per
$1,000,00		 $40,000.00 $12,000.00
* Rates "as low as" 5.44% APR. Your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan term, a front-end loan to value exceeding 90%, and creditworthiness. Rate and loan amount subject to credit approval. Minimum APR is 5.44%. Maximum APR is 11.39%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the front-end loan to value based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.69% $18.40 / per
$1,000,00		 $3,000.00 $1,000.00
64 - 75 Months 5.89% $15.97 / per
$1,000,00		 $12,000.00 $4,000.00
76 - 84 Months 6.29% $14.75 / per
$1,000,00		 $20,000.00 $6,000.00
85 - 96 Months 7.29% $13.78 / per
$1,000,00		 $40,000.00 $12,000.00
* Rates "as low as" 5.69% APR. Your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan term, a front-end loan to value exceeding 90%, and creditworthiness. Rate and loan amount subject to credit approval. Minimum APR is 5.69%. Maximum APR is 11.64%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the front-end loan to value based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.19% $18.64 / per
$1,000,00		 $3,000.00 $1,000.00
64 - 75 Months 6.39% $16.21 / per
$1,000,00		 $12,000.00 $4,000.00
76 - 84 Months 6.79% $14.99 / per
$1,000,00		 $20,000.00 $6,000.00
85 - 96 Months 7.79% $14.03 / per
$1,000,00		 $40,000.00 $12,000.00
* Rates "as low as" 6.19% APR. Your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan term, a front-end loan to value exceeding 90%, and creditworthiness. Rate and loan amount subject to credit approval. Minimum APR is 6.19%. Maximum APR is 12.14%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the front-end loan to value based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.

Auto Loan Refinance

Valid as of 11/07/2025 12:00 AM EDT

  • 2022 Model Year and Newer
  • 2021 - 2019 Model Year
  • 2018 Model Year and Older
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 4.94% $18.06 / per
$1,000,00		 $3,000.00 $1,000.00
64 - 75 Months 5.14% $15.62 / per
$1,000,00		 $12,000.00 $4,000.00
76 - 84 Months 5.54% $14.39 / per
$1,000,00		 $20,000.00 $6,000.00
85 - 96 Months 6.54% $13.41 / per
$1,000,00		 $40,000.00 $12,000.00
* Rates "as low as" 4.94% APR assumes excellent creditworthiness and a front-end loan to value at or below 90%; your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan-to-value, and loan term. Rate and loan amount subject to credit approval. Minimum APR is 4.94%. Maximum APR is 10.39%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the vehicle’s front-end loan to value, based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. If the front-end loan to value is over 90%, your rate will increase. 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.19% $18.17 / per
$1,000,00		 $3,000.00 $1,000.00
64 - 75 Months 5.39% $15.74 / per
$1,000,00		 $12,000.00 $4,000.00
76 - 84 Months 5.79% $14.51 / per
$1,000,00		 $20,000.00 $6,000.00
85 - 96 Months 6.79% $13.53 / per
$1,000,00		 $40,000.00 $12,000.00
* Rates "as low as" 5.19% APR assumes excellent creditworthiness and a front-end loan to value at or below 90%; your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan-to-value, and loan term. Rate and loan amount subject to credit approval. Minimum APR is 5.19%. Maximum APR is 10.64%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the vehicle’s front-end loan to value, based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. If the front-end loan to value is over 90%, your rate will increase. 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.69% $18.40 / per
$1,000,00		 $3,000.00 $1,000.00
64 - 75 Months 5.89% $15.97 / per
$1,000,00		 $12,000.00 $4,000.00
76 - 84 Months 6.29% $14.75 / per
$1,000,00		 $20,000.00 $6,000.00
85 - 96 Months 7.29% $13.78 / per
$1,000,00		 $40,000.00 $12,000.00
* Rates "as low as" 5.69% APR assumes excellent creditworthiness and a front-end loan to value at or below 90%; your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan-to-value, and loan term. Rate and loan amount subject to credit approval. Minimum APR is 5.69%. Maximum APR is 11.14%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the vehicle’s front-end loan to value, based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. If the front-end loan to value is over 90%, your rate will increase. 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.

Recreational Vehicle Loans

Valid as of 11/07/2025 12:00 AM EDT
Term Rates As Low As* Monthly Payment Loan Amount (Minimum)
1 - 60 Months 6.49% $16.70 / per
$1,000,00		 $3,000.00
61 - 96 Months 7.24% $10.45 / per
$1,000,00		 $20,000.00
97 - 120 Months 7.49% $8.37 / per
$1,000,00		 $50,000.00
121 - 180 Months 7.74% $5.59 / per
$1,000,00		 $75,000.00
181 - 240 Months 7.99% $4.20 / per
$1,000,00		 $100,000.00
* Rates "as low as" 6.49% 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 6.49%. Maximum APR is 14.99%. PSECU offers financing ranging from 100% to 110% of the vehicle’s retail value, based on the vehicle loan financing type, and the applicant’s creditworthiness. 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 will finance up to a maximum loan amount of $200,000. PSECU makes all final decisions regarding vehicle value. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.

Real Estate Equity Loans

Valid as of 11/07/2025 12:00 AM EDT
Description APR* As Low As Monthly Payment Example
5 Year Equity Loan-to-Value to 80% 5.94% $19.31 / per
$1,000,00
5 Year Equity Loan-to-Value greater than 80% to 90% 6.44% $16.70 / per
$1,000,00
10 Year Equity Loan-to-Value to 80% 6.14% $11.18 / per
$1,000,00
10 Year Equity Loan-to-Value greater than 80% to 90% 6.64% $8.37 / per
$1,000,00
15 Year Equity Loan-to-Value to 80% 6.39% $8.66 / per
$1,000,00
15 Year Equity Loan-to-Value greater than 80% to 90% 6.89% $5.59 / per
$1,000,00
20 Year Equity Loan-to-Value to 80% 7.24% $7.90 / per
$1,000,00
20 Year Equity Loan-to-Value greater than 80% to 90% 7.74% $4.20 / per
$1,000,00

*APR denotes Annual Percentage Rate.

Rates "as low as" 6.49% 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 6.49%. Maximum APR is 14.99%. PSECU offers financing ranging from 100% to 110% of the vehicle’s retail value, based on the vehicle loan financing type, and the applicant’s creditworthiness. 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 will finance up to a maximum loan amount of $200,000. PSECU makes all final decisions regarding vehicle value. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.

Home Equity Line of Credit Flex (HELOC Flex)

Valid as of 11/07/2025 07:43:32 AM EDT

NEW! Rates Just Dropped on 11.1.2025
Maximum flexibility for funds and loan terms.

Description APR* As Low As
HELOC Flex Variable Loan-to-Value to 80% 7.00%
HELOC Flex Variable Loan-to-Value than 80% to 90.00% 7.50%
* Rates "as low as" 7.00% 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%.

Home Equity Line of Credit Plus (HELOC Plus)

Valid as of 11/07/2025 07:43:32 AM EDT

NEW! Rates Just Dropped on 11.1.2025
Fixed- or variable-rate advances and flexible terms – now with lower rates!

Description APR* As Low As
HELOC Plus Variable Loan-to-Value to 80% 7.00%
HELOC Plus Variable Loan-to-Value than 80% to 90.00% 7.50%
HELOC Plus Fixed Loan-to-Value to 80% 7.50%
HELOC Plus Fixed Loan-to-Value than 80% to 90.00% 8.00%
* Rates "as low as" 7.00% 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%.

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 800.237.7328 for more details.

Mortgages

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

Explore Mortgage Options
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here

Personal Loans

Valid as of 11/07/2025 12:00 AM EDT
Term Rates As Low As* Monthly Payment Loan Amount (Minimum)
3-36 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 assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 8.99%. Maximum APR is 17.99%. Unsecured loan amounts available from $1,000 to $20,000. Minimum term is 3 months. Maximum term is 84 months. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, payments amount, and loan amount are subject to change.

Table of Contents: