# PSECU CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/psecu
Institution: Pennsylvania State Employees Credit Union (NCUA 64131)
Aliases: Pennsylvania State Employees Credit Union
Status: live
Last verified: 2026-10-22T07:00:16.000Z (October 22, 2026)
Official source: https://www.psecu.com/rates
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate | standard | 3 months | $500 | 1.50% | Not ZIP-priced | −2.79% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 6 months | $500 | 3.35% | Not ZIP-priced | −1.05% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 9 months | $500 | 3.45% | Not ZIP-priced | −1.03% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 12 months | $500 | 3.55% | Not ZIP-priced | −1.02% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 18 months | $500 | 3.65% | Not ZIP-priced | −1.07% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 24 months | $500 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 36 months | $500 | 2.60% | Not ZIP-priced | −2.35% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 48 months | $500 | 2.65% | Not ZIP-priced | −2.33% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |
| Certificate | standard | 60 months | $500 | 2.70% | Not ZIP-priced | −2.31% | 2026-10-22T07:00:16.000Z | [Snapshot 152](https://apyledger.com/snapshots/152) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.