Our Rates

Savings, Checking & Money Market

Valid as of 12/3/2021 9:20 PM EST 
Description APY* Dividend
Savings Shares (Regular, Additional & IRA) 0.05% 0.05%
Youth Savings (Balances of $.01 to $500.00) 1.00% 1.00%
Youth Savings (Balances of $500.01 and over) 0.05% 0.05%
Checking 0.05% 0.05%
Money Market 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. Money Market accounts require a minimum of $500 to earn the advertised APY. 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 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 12/3/2021 9:20 PM EST 
Description APY* Rate
3 months 0.20% 0.20%
6 months 0.25% 0.25%
9 months 0.30% 0.30%
12 months 0.45% 0.45%
18 months 0.50% 0.50%
24 months 0.55% 0.55%
36 months 0.65% 0.65%
48 months 0.70% 0.70%
60 months 0.80% 0.80%

*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).

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

Valid as of 12/3/2021 9:20 PM EST 
Description APR*
Founder's Card Purchase 12.40%
Founder's Card Cash Advance 12.40%
Founder's Card Balance Transfer 3.9%
Visa Classic Purchase 9.90%
Visa Classic Cash Advance 9.90%
Visa Classic Balance Transfer 2.9%

*APR denotes Annual Percentage Rate

PSECU Visa® Founder's and Visa® Alumni Rewards Card: When you take advantage of the 3.9% Annual Percentage Rate (APR) promotional offer, Visa® Founder's Card/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 12/31/2022; 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/Visa® Alumni Rewards Card account as stated in the PSECU 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% Annual Percentage Rate (APR) 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 12/31/2022; 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 12/3/2021 9:20 PM EST 
Term APR* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 2.49% $28.86/per $1000.00 $3,000.00 $1,000.00
37-48 Months 2.99% $22.13/per $1000.00 $6,000.00 $1,000.00
49-60 Months 2.99% $17.97/per $1000.00 $8,000.00 $1,000.00
61-72 Months 2.99% $15.19/per $1000.00 $12,000.00 $1,000.00
73-84 Months 3.24% $13.33/per $1000.00 $20,000.00 $1,000.00
85-120 Months 7.74% $12.01/per $1000.00 $40,000.00 $40,000.00

*APR denotes Annual Percentage Rate

Rates reflect a .25% Annual Percentage Rate (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 $17.97 per $1,000 borrowed at the 2.99% 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. Rates, terms, and information are subject to change. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.

Recreational Vehicle Loans

Valid as of 12/3/2021 9:20 PM EST 
Term APR* Monthly Payment Value (Minimum) Loan Amount (Minimum)
1-36 Months 5.75% $30.31/per $1000.00 $3,000.00 $3,000.00
37-48 Months 5.75% $23.37/per $1000.00 $3,000.00 $3,000.00
49-60 Months 5.75% $19.22/per $1000.00 $3,000.00 $3,000.00
61-84 Months 6.00% $14.61/per $1000.00 $5,000.00 $5,000.00
85-120 Months 6.25% $11.23/per $1000.00 $15,000.00 $15,000.00
121-144 Months 6.25% $9.89/per $1000.00 $25,000.00 $25,000.00
145-180 Months 6.75% $8.85/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 $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, 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 12/3/2021 9:20 PM EST 
Description APR* Monthly Payment Example
5 Year Equity Loan-to-Value up to 80% 3.115% $18.02/per $1000.00
5 Year Equity Loan-to-Value greater than 80% to 90.00% 3.615% $18.25/per $1000.00
10 Year Equity Loan-to-Value up to 80% 3.865% $10.07/per $1000.00
10 Year Equity Loan-to-Value greater than 80% to 90.00% 4.365% $10.30/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. Payment example: a 3.115% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $18.02 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 3.615% for 60 months for a monthly payment of $18.25 per $1,000 borrowed. A 3.865% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $10.07 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 4.365% for 120 months for a monthly payment of $10.30 per $1,000 borrowed.

 

Home Equity Line of Credit (HELOC)

Valid as of 12/3/2021 9:20 PM EST 
Description APR*
Home Equity Line of Credit Loan-to-Value up to 80% 3.25%
Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% 3.75%
HELOC Plus Variable Loan-to-Value up to 80% 3.25%
HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% 3.75%
HELOC Plus Fixed Loan-to-Value up to 80% 3.75%
HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% 4.25%

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 Annual Percentage Rate (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 12/3/2021 9:20 PM EST 
Description Rate As Low As APR* Monthly Payment Example
10-year Fixed 0 points 2.500% 2.799% $9.43/per $1000.00
10-year Fixed 1 points 2.375% 2.884% $9.38/per $1000.00
10-year Fixed 2 points 2.250% 2.971% $9.32/per $1000.00
10-year Fixed 3 points 2.125% 3.059% $9.26/per $1000.00
15-year Fixed 0 points 2.625% 2.835% $6.73/per $1000.00
15-year Fixed 1 points 2.500% 2.854% $6.67/per $1000.00
15-year Fixed 2 points 2.375% 2.873% $6.62/per $1000.00
15-year Fixed 3 points 2.250% 2.894% $6.56/per $1000.00
20-year Fixed 0 points 3.000% 3.174% $5.55/per $1000.00
20-year Fixed 1 points 2.875% 3.161% $5.49/per $1000.00
20-year Fixed 2 points 2.750% 3.146% $5.43/per $1000.00
20-year Fixed 3 points 2.625% 3.134% $5.37/per $1000.00
30-year Fixed 0 points 3.125% 3.239% $4.29/per $1000.00
30-year Fixed 1 points 3.000% 3.113% $4.22/per $1000.00
30-year Fixed 2 points 2.875% 2.987% $4.15/per $1000.00
30-year Fixed 3 points 2.750% 2.860% $4.09/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 $9.38 per $1,000 borrowed at the 2.672% APR; 15 year fixed 0 points of $6.67 per $1,000 borrowed at the 2.708% APR; 20 year fixed 0 points of $5.49 per $1,000 borrowed at the 3.047% APR; 30 year fixed 0 points of $4.22 per $1,000 borrowed at the 3.113% 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

Valid as of 12/3/2021 9:20 PM EST 
Description Rate As Low As APR* Monthly Payment Example
15-year 1/1 Variable 2.750% 2.945% $6.79/per $1000.00 for 1 year, 1 year ARM after
30-year 1/1 Variable 3.250% 2.897% $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 3864. The interest rate may increase after closing, affecting payment.

Personal Loan

Valid as of 12/3/2021 9:20 PM EST 
Description Rates as low as
Signature Loan 7.49%

*Rates “as low as” 7.49% 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 7.49%. Maximum APR is 13.49%. Maximum loan term for 13.49% APR is 74 months. Rates and information are subject to change at any time.

Monthly Payment Original Loan Amount Loan Term*
$100.00 $1,000.00 to $5,000.00 11-61 Months
$200.00 $5,000.01 to $10,000.00 28-61 Months
$300.00 $10,000.01 to $15,000.00 38-61 Months
$400.00 $15,000.01 to $20,000.00 43-61 Months