APY Ledger

PSECU CD & Share Certificate Rates — October 2026

Also known as Pennsylvania State Employees Credit Union.

As of October 22, 2026, PSECU's highest CD (share certificate) rate is 3.65% APY on an 18-month CD ($500 minimum). That is 2.4 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.50% to 3.65% APY.

Last verified from www.psecu.com · NCUA-insured credit union · Harrisburg, PA

Tracking began .

Best APY3.65%18 months, $500 min
vs. Treasury−1.07%same-term Treasury 4.72%
vs. national average2.4×FDIC national average 1.55%
After inflation-0.09%CPI 3.7% year over year
$10,000 earns$552over 18 months, before tax

PSECU CD & share certificate rates

PSECU CD rates
TermProductMinimumAPYvs. Treasury
3 months Certificate $500 1.50%Verified October 22, 2026 −2.79%
6 months Certificate $500 3.35%Verified October 22, 2026 −1.05%
9 months Certificate $500 3.45%Verified October 22, 2026 −1.03%
12 months Certificate $500 3.55%Verified October 22, 2026 −1.02%
18 months Certificate $500 3.65%Verified October 22, 2026 −1.07%
24 months Certificate $500 3.60%Verified October 22, 2026 −1.27%
36 months Certificate $500 2.60%Verified October 22, 2026 −2.35%
48 months Certificate $500 2.65%Verified October 22, 2026 −2.33%
60 months Certificate $500 2.70%Verified October 22, 2026 −2.31%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

What are PSECU's best CD rates by term?

PSECU's best rate is 3.65% APY on 18 months, verified October 22, 2026.

  1. 3 mo1.50%
  2. 6 mo3.35%
  3. 9 mo3.45%
  4. 12 mo3.55%
  5. 18 mo3.65%
  6. 24 mo3.60%
  7. 36 mo2.60%
  8. 48 mo2.65%
  9. 60 mo2.70%

Calculate earnings at 3.65% for 18 months

How PSECU compares

Rate changes

No changes since we started tracking PSECU on October 22, 2026.

About PSECU

Legal name
Pennsylvania State Employees Credit Union
Regulator ID
NCUA 64131
Headquarters
Harrisburg, PA
Available in
PA
Total assets
$9.7 billion
Also known as
Pennsylvania State Employees Credit Union
Website
www.psecu.com

Source: rates read from https://www.psecu.com/rates. See the page text we read.

Frequently asked questions

What is the highest CD rate at PSECU?

3.65% APY on an 18-month CD, as of October 22, 2026.

What is the minimum deposit for a PSECU CD?

The lowest minimum we found is $500.

How does PSECU's best CD rate compare with Treasury yields?

3.65% APY is −1.07% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 3.65% a good CD rate?

It is 2.4 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are PSECU CDs insured?

PSECU is a federally insured credit union (NCUA 64131). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

What is a share certificate at PSECU?

A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.

How often is this page updated?

We check PSECU's rate page every day. The rates above were last verified on October 22, 2026.

More credit union certificate rates

Rates are copied from PSECU's website and may change at any time. Confirm terms, minimums and eligibility with PSECU before opening an account. This page is not financial advice.