Source: https://www.psecu.com/rates
Read: 2026-10-22T07:00:16.000Z

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Our Rates
Today's Featured Rates
Auto Refinance
Rates as Low as
5.19% APR*
Lower your monthly payment or reduce your rate.
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Classic Card
Purchase Rate
9.90% APR*
Plus, explore our promotional balance transfer and intro purchase rate offers.
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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.
Explore Savings Options
Open Your Checking Account
Description | APY* | Dividend Rate
 | Balances of $500.00 to $4,999.99 | 2.35% | 2.33%
 | Balances of $5,000.00 to $19,999.99 | 2.35% | 2.33%
 | Balances of $20,000.00 to $49,999.99 | 2.45% | 2.42%
 | Balances of $50,000.00 to $99,999.99 | 2.60% | 2.57%
 | Balances of $100,000.00 and over | 2.85% | 2.81%
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.
Find Out More About Money Markets
Description | APY* | Dividend Rate
 | 3 months | 1.50% | 1.49%
 | 6 months | 3.35% | 3.30%
 | 9 months | 3.45% | 3.40%
 | 12 months | 3.55% | 3.49%
 | 18 months | 3.65% | 3.59%
 | 24 months | 3.60% | 3.54%
 | 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.
Learn More about Certificates
Learn More About IRAs
Description | APR*
 | Founder's Card Purchase | 16.15%
 | Founder's Card Cash Advance | 18.00%
 | Visa Classic Purchase | 9.90%
 | Visa Classic Cash Advance | 11.90%
 | Secured Visa Card Purchase | 9.90%
 | Secured Visa Card Cash Advance | 11.90%
*APR denotes Annual Percentage Rate.
Choose the Best Card for You
New & Used Auto Loans
Valid as of 10/22/2026 03:00 AM EDT
2023 Model Year and Newer
2022 - 2020 Model Year
2019 Model Year and Older
Term | APR* 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 | 6.14% | $16.09 / 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" 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 12.14%. If you choose coupon payment method, 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; J.D. Power® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. J.D. Power® is a registered trademark of J.D. Power and Associates. 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.
Learn More About Our Auto Loans
Auto Loan Refinance
Valid as of 10/22/2026 03:00 AM EDT
2023 Model Year and Newer
2022 - 2020 Model Year
2019 Model Year and Older
Term | APR* 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 | 5.64% | $15.86 / 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" 5.19% 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 11.39%. If you choose coupon payment method, 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; J.D. Power® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. J.D. Power® is a registered trademark of J.D. Power and Associates. 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.
Explore Auto Refinance Loan
Term | APR* As Low As | Monthly Payment | Loan Amount (Minimum)
 | 1 - 60 Months | 6.74% | $19.68 / per $1,000.00 | $3,000.00
 | 61 - 96 Months | 7.49% | $13.88 / per $1,000.00 | $20,000.00
 | 97 - 120 Months | 8.24% | $12.26 / per $1,000.00 | $35,000.00
 | 121 - 180 Months | 8.49% | $9.85 / per $1,000.00 | $40,000.00
 | 181 - 240 Months | 8.74% | $8.84 / per $1,000.00 | $60,000.00
*Rates "as low as" 6.74% 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 6.74%. Maximum APR is 16.24%. 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; J.D. Power® 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. J.D. Power® is a registered trademark of J.D. Power and Associates. 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.
Explore Our Recreational Vehicle Loans
Description | APR* As Low As | Monthly Payment Example
 | 5 Year Equity Loan-to-Value up to 80% | 6.07% | $19.37 / per $1,000.00
 | 5 Year Equity Loan-to-Value greater than 80% up to 90% | 6.56% | $19.60 / per $1,000.00
 | 10 Year Equity Loan-to-Value up to 80% | 6.27% | $11.24 / per $1,000.00
 | 10 Year Equity Loan-to-Value greater than 80% up to 90% | 6.77% | $11.49 / per $1,000.00
 | 15 Year Equity Loan-to-Value up to 80% | 6.77% | $8.86 / per $1,000.00
 | 15 Year Equity Loan-to-Value greater than 80% up to 90% | 7.26% | $9.14 / per $1,000.00
 | 20 Year Equity Loan-to-Value up to 80% | 7.36% | $7.98 / per $1,000.00
 | 20 Year Equity Loan-to-Value greater than 80% up to 90% | 7.87% | $8.29 / per $1,000.00
* Rates "as low as" 6.07% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. 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 6.07% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.37 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.57% for 60 months for a monthly payment of $19.60 per $1,000 borrowed. A 6.27% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.24 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.77% for 120 months for a monthly payment of $11.50 per $1,000 borrowed. A 6.77% fixed APR applies for a 180-month term and LTV up to 80% for a monthly payment of $8.86 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.27% for 180 months for a monthly payment of $9.14 per $1,000 borrowed. A 7.36% fixed APR applies for a 240-month term and LTV up to 80% for a monthly payment of $7.98 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.87% for 240 months for a monthly payment of $8.29 per $1,000 borrowed. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, if applicable; therefore, actual payment may be greater and vary from those shown.
Explore Our Real Estate Equity Loans
Home Equity Line of Credit Flex (HELOC Flex)
Valid as of 10/22/2026 03:00:10 AM EDT
Description | APR* As Low As
 | HELOC Flex Variable Loan-to-Value up to 80% | 7.00%
 | HELOC Flex Variable Loan-to-Value greater than 80% up 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%.
Explore HELOC Flex
Home Equity Line of Credit Plus (HELOC Plus)
Valid as of 10/22/2026 03:00:10 AM EDT
Description | APR* As Low As
 | HELOC Plus Variable Loan-to-Value up to 80% | 7.00%
 | HELOC Plus Variable Loan-to-Value greater than 80% up to 90.00% | 7.50%
 | HELOC Plus Fixed Loan-to-Value up to 80% | 7.50%
 | HELOC Plus Fixed Loan-to-Value greater than 80% up 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%.
Explore HELOC Plus
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
Term | APR* 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.
Learn More About Personal Loans
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Table of Contents:
Savings & Checking
Money Market
Certificates & IRA Certificates
Credit Cards
New & Used Auto Loans
Auto Loan Refinance
Recreational Vehicle Loans
Real Estate Equity Loans
Home Equity Line of Credit Flex (HELOC Flex)
Home Equity Line of Credit Plus (HELOC Plus)
Home Equity Line of Credit (HELOC)
Mortgages
Personal Loans
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Routing #: 231381116
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