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Rates
PSCU’s Rates
Explore our latest rates on savings accounts, loans, and mortgages designed to fit your financial goals. Whether you're saving for the future or financing a big purchase, we offer competitive rates to help you make the most of your money.
Rates effective April 21,2025
Rates are subject to change
Loan Type | Term | APR as low as * |
|---|---|---|
New/Used Vehicle | Up to 60 Months | 4.80% |
61-72 Months | 5.49% | |
73 - 84 Months | 6.49%% | |
85-96 Months | 6.99% | |
Personal Powersports & Small Boats | Up to 60 Months | 7.24% |
61-84 Months | 7.74% | |
Boats > 18', Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles | Up to 84 Months | 6.49% |
Up to 180 Months | 6.74% | |
Up To 240 Months | 6.99% | |
Mortgage | Up to 30 Year Fixed | |
Variable Rate HE / HELOC | Up to 80% LTV* | 7.50% |
Up to 90% LTV* | 7.75% | |
Home Equity* (Up To 180 MOS) | Up to 80% LTV* | 6.50% |
Up to 90% LTV* | 7.25 | |
Anyday Everyday | NextGen Line of Credit | --- | 11.25% |
Anyday Everyday Loan | 10.25% |
CD Specials | Rate | APY (annual % yield) | Dividends |
|---|---|---|---|
13 months | 4.50%** | 4.50% | Annually |
7 months | 4.25%* | 4.29% | Annually |
5 months | 4.25%* | 4.30% | Annually |
*APY = Annual Percentage Yield Fees may reduce the earnings on your account. Promotional rates effective April 8th, 2024. and subject to change without notice. $1,000 minimum to open. 5-month term and 7-month to revert to non-promo 6-month term upon maturity. Specials are non-renewable. Subject to change without notice. Subject to penalty for early withdrawal. Federally Insured by the NCUA.​
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**APY = Annual Percentage Yield Fees may reduce the earnings on your account. Promotional rates effective May 16, 2025. $1,000 minimum to open, new money only. 13-month term to revert to non-promo 12-month term upon maturity. Specials are non-renewable. Limited time offer. Subject to change without notice. Subject to penalty for early withdrawal. Federally Insured by the NCUA.
Account | Rate | APY (Annual % Yield) | Dividends Paid |
|---|---|---|---|
Club Account/Round Up | 0.01% | 0.01% | monthly |
IRA Accounts ($500,000.01+) | 1.20% | 1.20% | quarterly |
IRA Accounts ($250,000.01- $500,000) | 1.00% | 1.00% | quarterly |
IRA Accounts ($100,000 - $250,000) | 0.70% | 0.70% | quarterly |
IRA Accounts ($25,000 - $100,000) | 0.50% | 0.50% | quarterly |
IRA Accounts ($2,500 - 25,000) | 0.30% | 0.30% | quarterly |
IRA Accounts ($100.01 - 2,500) | 0.10% | 0.10% | quarterly |
Money Market ($500,000.01+) | .70% | .70% | quarterly |
Money Market ($250.000 - $500,000) | .50% | .50% | quarterly |
Money Market ($100.000.01 - $250,000) | .45% | .45% | quarterly |
Money Market ($25,000.01 - $100,000) | .30% | .30% | quarterly |
Money Market ($2,500 - $25,000) | .20% | .20% | quarterly |
Money Market ($100.01 - $2500.00) | .20% | .20% | quarterly |
Direct Advantage Plus/Checking Account* | 1.00% | 1.00% | monthly |
Regular Savings | 0.01% | 0.01% | monthly |
Account | Rate | APY (Annual % Yield) | Dividends | Deposit |
|---|---|---|---|---|
Jumbo CD 3 Months | 4.50% | 4.58%% | Quarterly | Min: $3,000,000 Max: $6,000,000 |
Jumbo CD 3 Months | 4.50% | 4.58% | Quarterly | Min: $1,000,000 Max: $6,000,000 |
Jumbo CD 3 Months | 4.00% | 4.06% | Quarterly | Min: $500,000 Max: $6,000,000 |
Jumbo CD 3 Months | 4.00% | 4.06% | Quarterly | Min: $250,000 Max: $6,000,000 |
23 Months | 3.75% | 3.75% | Annually | Min: $1,000 Max: $1,000,000 |
Grow With Me CD 12-Months | 3.50% | 3.50% | Annually | Min $25 |
Save to Win CD 12-Months | 3.50% | 3.55% | Annually | Min: $25 |
Relationship CD 18-Months | 3.50% | 3.50% | Annually | Min: $500 Max: $10,000 |
*Monthly direct deposit of at least $1500. E-statements & minimum of 10 transactions a month. Dividend paid on balances up to $10,000. Fully Managed Identity Theft Research, Remediation and Recovery, Lost Document Replacement, Identity Theft Expense Reimbursement Insurance - $25,000 Limit. Entitlement to One Bureau Credit Monitoring
CD Tier I (minimum $500) | Rate | APY (annual % yield) | Dividends Paid |
|---|---|---|---|
60 Months | 3.00% | 3.00% | annually |
48 Months | 3.00% | 3.00% | annually |
36 Months | 3.00% | 3.00% | annually |
24 Months | 3.10% | 3.10% | annually |
18 Months | 3.25% | 3.25% | annually |
12 Months | 3.50% | 3.50% | annually |
6 Month | 3.50% | 3.53% | annually |
CD: Tier II (minimum $10,000) | Rate | APY | Dividends Paid |
|---|---|---|---|
6 months | 3.50% | 3.53% | annually |
12 months | 3.50% | 3.50% | annually |
18 months | 3.25% | 3.25% | annually |
24 months | 3.10% | 3.10% | annually |
36 months | 3.00% | 3.00% | annually |
48 months | 3.00% | 3.00% | annually |
60 months | 3.00% | 3.00% | annually |
CD: Tier III (minimum $50,000) | Rate | APY (annual % Yield) | Dividends Paid |
|---|---|---|---|
6 months | 3.50% | 3.53% | annually |
12 months | 3.50% | 3.50% | annually |
18 months | 3.25% | 3.25% | annually |
24 months | 3.10% | 3.10% | annually |
36 months | 3.00% | 3.00% | annually |
48 months | 3.00% | 3.00% | annually |
60 months | 3.00% | 3.00% | annually |
CD: Tier IV (minimum $100,000) | Rate | APY (annual % yield) | Dividends Paid |
|---|---|---|---|
6 months | 3.55% | 3.58% | annually |
12 months | 3.55% | 3.55% | annually |
18 months | 3.30% | 3.30% | annually |
24 months | 3.15% | 3.15% | annually |
36 months | 3.25% | 3.25% | annually |
48 months | 3.25% | 3.25% | annually |
60 months | 3.25% | 3.25% | annually |
CD: Tier V (minimum $250,000) | Rate | APY (annual % yield) | Dividends Paid |
|---|---|---|---|
6 months | 3.60% | 3.63% | annually |
12 months | 3.60% | 3.60% | annually |
18 months | 3.35% | 3.35% | annually |
24 months | 3.20% | 3.20% | annually |
36 months | 3.25% | 3.25% | annually |
48 months | 3.25% | 3.25% | annually |
60 months | 3.25% | 3.25% | annually |
CD IRA ONLY Rates | Rate | APY (annual % yield) | Dividends Paid |
|---|---|---|---|
6 mos | 3.50% | 3.53% | annually |
12 mos | 3.50% | 3.50% | annually |
18 mos | 3.25% | 3.25% | annually |
24 mos | 3.10% | 3.10% | annually |
36 mos | 3.00% | 3.00% | annually |
48 mos* | 3.00% | 3.00% | annually |
60 mos* | 3.00% | 3.00% | annually |
APY = Annual Percentage Yield Fees may reduce the earnings on your account. Monthly Rates listed above are the rates paid last quarter/month. Rates are subject to change at any time. Certificates will automatically renew at maturity unless redeemed. The renewed certificate will earn the current rate at the time of renewal.
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* Product features a great “Step Up” feature where you can adjust your interest rate if it goes up. Ask your rep for details!
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**Current CD Special will roll at maturity to a 24 month CD and fall in the tier based on it's balance at maturity. 365 day penalty for early withdrawal applies.
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* Rates and financing are offered based on applicant’s credit and the term of the loan. Rates quoted are annual percentage rates (APR). LTV= Loan to value is the percentage of equity value PSCU will lend, using your home as collateral. Home Equity and HELOC based on LTV ratio and are not credit based. ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE