Members Achieve More - Join Today!

We’re proud to offer you products and services that help with your unique financial needs. After all, it’s what we do best. Become a member and get access to excellent member service, security and peace of mind, great rates, and a focus on YOU, without having to visit a branch.

Members-Only Perks

As a not-for-profit credit union, we’re here to serve you, not stockholders. This includes asking for feedback from our members regularly to ensure we’re meeting your needs and giving you the best banking experience possible. When you open an account with us, you’ll receive:

You’ll feel valued, cared for, supported, and empowered to take control of your finances and achieve your dreams.

Our fraud prevention and security teams work hard every day to ensure your personal information and money are safe. And you can rest assured knowing each member has coverage of at least $250,000 1 under the NCUA Share Insurance Fund.

“Members achieve more” isn’t just a tagline for us. It’s a part of everything we do. No matter what life hands you, or where you find yourself, we're here to help you achieve your financial goals for a lifetime.

You’ll enjoy competitive rates on loans like mortgages and auto and deposit products like savings accounts, certificates, and money markets.

Better Banking + a Cash Bonus

Earn up to $300* when you meet promo requirements.

Our Products & Services

You have unique financial needs. We offer the financial products, services, and 24/7 digital banking channels necessary to meet them. Check out all the ways you can achieve more when you open a PSECU account.

Checking for Life

Our free checking account makes everyday money management easy for teens to retirees and everyone in between.

• Debit card rewards. Pay with your PSECU debit card and you can earn $.05 or $.10 on eligible purchases 2 .
• 85,000+ surcharge-free ATMs + ATM rebates. Access your cash at more than surcharge-free ATMs worldwide. No in-network ATMs near you? We offer ATM rebates 3 .
• No-fee Overdraft Protection Transfer Service. No one wants to overdraft their account, but sometimes mistakes happen. For these instances, you can put a backup plan in place by enrolling in our no-fee Overdraft Protection Transfer Service.
• Other added benefits. Use our free bill payer service, pay a friend or family member (whether they’re a PSECU member or not), seamlessly connect external accounts, remotely deposit checks (mobile app only), and more in digital banking.

Meet Your Short- and Long-Term Savings Goals

A Regular savings share is the cornerstone of your PSECU account (with just a $5 minimum balance requirement!). And whether you’re saving for next month, next year, or the next phase of your life, we offer additional savings opportunities to reach those goals.

• Savings shares. In addition to your Regular savings share, you can open up to five additional savings shares with no minimum balance requirement. You can then rename these shares to keep your money organized in the way that works for you.
• Money market account. The more you save, the more you can earn with dividends 4 that grow alongside your balance. Increased earnings can begin with as little as $500 in your account.
• Certificates. With terms from 3-60 months, you can safely and easily invest your money. You can open a new certificate and earn the advertised rate with just $500.
• IRAs. Planning for your future has never been easier. We have accounts for both education and retirement.

Low-Cost Loans for All Your Needs

Our wide range of loan offerings lets you streamline your finances by meeting multiple borrowing needs in one place.

• Mortgages. Whether you’re looking for a fixed-rate, adjustable-rate, construction, jumbo, or First-Time Homebuyer loan, we’re ready to welcome you home with our mortgage offerings.
• Home equity. Put the value of your home to work for you with our home equity options.
• Auto. Have your eyes on a new or new-to-you car? Or looking to break up with your current auto loan? We offer auto loan payment options that meet you where you are.
• Personal loans. Get quick and easy access to the cash you need with our Personal Loan.
• Debt consolidation. Get out of debt, on your terms, with a debt consolidation loan that offers predictable monthly payments and a simpler repayment timeline.

Choose the Card for You

You know your financial situation best. That’s why we offer various credit cards to meet your needs.

• Founder’s Rewards Card. Earn 2% 5 or 1.5% cash rewards on every purchase.
• Classic Card. Make purchases and cash advances with low interest rates.
• Secured Visa ® Card. Get the flexibility and freedom of a credit card while you establish or rebuild credit responsibly.

Checking for Life

• Debit card rewards. Pay with your PSECU debit card and you can earn $.05 or $.10 on eligible purchases 2 .
• 85,000+ surcharge-free ATMs + ATM rebates. Access your cash at more than surcharge-free ATMs worldwide. No in-network ATMs near you? We offer ATM rebates 3 .
• No-fee Overdraft Protection Transfer Service. No one wants to overdraft their account, but sometimes mistakes happen. For these instances, you can put a backup plan in place by enrolling in our no-fee Overdraft Protection Transfer Service.
• Other added benefits. Use our free bill payer service, pay a friend or family member (whether they’re a PSECU member or not), seamlessly connect external accounts, remotely deposit checks (mobile app only), and more in digital banking.

Meet Your Short- and Long-Term Savings Goals

• Savings shares. In addition to your Regular savings share, you can open up to five additional savings shares with no minimum balance requirement. You can then rename these shares to keep your money organized in the way that works for you.
• Money market account. The more you save, the more you can earn with dividends 4 that grow alongside your balance. Increased earnings can begin with as little as $500 in your account.
• Certificates. With terms from 3-60 months, you can safely and easily invest your money. You can open a new certificate and earn the advertised rate with just $500.
• IRAs. Planning for your future has never been easier. We have accounts for both education and retirement.

Low-Cost Loans for All Your Needs

• Mortgages. Whether you’re looking for a fixed-rate, adjustable-rate, construction, jumbo, or First-Time Homebuyer loan, we’re ready to welcome you home with our mortgage offerings.
• Home equity. Put the value of your home to work for you with our home equity options.
• Auto. Have your eyes on a new or new-to-you car? Or looking to break up with your current auto loan? We offer auto loan payment options that meet you where you are.
• Personal loans. Get quick and easy access to the cash you need with our Personal Loan.
• Debt consolidation. Get out of debt, on your terms, with a debt consolidation loan that offers predictable monthly payments and a simpler repayment timeline.

Choose the Card for You

• Founder’s Rewards Card. Earn 2% 5 or 1.5% cash rewards on every purchase.
• Classic Card. Make purchases and cash advances with low interest rates.
• Secured Visa ® Card. Get the flexibility and freedom of a credit card while you establish or rebuild credit responsibly.

Start your child off on the right foot. Members under 18 get a higher-yield savings rate 6 .

Businesses located in Pennsylvania can bank on our business products and services.

Additional Member Perks

Your benefits go beyond banking when you’re a PSECU member.

Learn how to budget like a boss, squirrel away savings, and be financially prepared for every stage in life with our free financial wellness resources.

Ready to Level Up Your Banking? Get Started Today!

All these great perks and more can be yours when you open an account with us. There are many ways you can be eligible to join PSECU. Check them out below.

• You live with, or are related to, a PSECU member.
• You’re affiliated with one of the PA colleges or universities we work with.
• You work for one of the 1,000+ employers in PA that we’re partnered with.
• You join, or are an existing member of, Pennsylvania Recreation and Parks Society or Pennsylvania Consumer Council.

To make your experience as smooth as possible, be sure that you and any optional joint owner have the following information ready:

• Social Security number
• Driver’s License or government-issued ID
• Credit card or debit card for opening deposit

Browse Helpful Resources

Members Achieve More - Join Today!

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

1 All PSECU deposit shares, including checking, Regular, additional savings, money market and certificates, are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. In addition to the $250,000 of insurance provided on an individual account or combination of individual accounts, you are also insured up to $250,000 for any combination of accounts you may hold jointly with other individuals.

2 You can earn $0.10 cash rewards on eligible purchases of $10 or over with a PSECU checking account and one or more qualifying monthly direct deposit(s) totaling at least $500. You can earn $0.05 cash rewards on eligible purchases of $10 or over for accounts with a PSECU checking account. Certain restrictions may apply. See the Visa® Debit Card Rewards Program Terms and Conditions for full details.

3 If you use a PSECU debit card at an out-of-network ATM and get charged, we'll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without.

4 Dividends (which you may call interest): Based on day of deposit to day of withdrawal. Dividends are calculated on actual daily balances. If your daily account balance falls below $500, you won’t earn dividends until your daily balance again reaches $500. Dividend rates are declared monthly, compounded daily, and paid monthly into Money Market Shares. Payment of dividends is based on the available current and undivided earnings of PSECU. The Annual Percentage Yield (APY) for a deposit of one year or less is based on the assumption that both the deposit and dividends remain on deposit for a full year. A withdrawal will reduce earnings. Regulations prohibit dividends in excess of PSECU’s available earnings.

5 You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.

6 To be eligible for the Youth Savings rate, the primary account owner must be under the age of 18. All eligible Youth Savings Share accounts earn 4.00% APY for balances of $.01 to $500.00. For balances of $500.01 and over, the Regular Savings Share APY will apply. 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). Find our current dividend rates at psecu.com/rates. PSECU requires a $5 minimum balance to open and maintain a Regular share account. This $5 share account deposit is also required to be eligible to receive the Youth Savings rate, and the member must be in good standing as defined by PSECU's Bylaws, Article II, Section I. PSECU will make a $5 minimum share purchase on behalf of the member.

7 PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.