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PSCU’s Rates

Our range of Savings and Loan rates have their own distinct Annual percentage yield. The dividends are paid monthly, quarterly or annually.

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Rates effective April 8th, 2024

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Rates are subject to change

CD Specials
CD Specials
Rate
APY (annual % yield)
Dividends
7 months
5.00%
5.07%
Annually
5 months
5.00%
5.05%
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.​

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
Accounts
IRA
Account
Rate
APY (Annual % Yield)
Dividends
Deposit
Jumbo CD 3 Months
5.00%
5.10%
Quarterly
Min: $3,000,000 Max: $6,000,000
Jumbo CD 3 Months
5.00%
5.10%
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
0.50%
0.50%
Annually
Min $25
Save to Win CD 12-Months
0.50%
0.50%
Annually
Min: $25
Relationship CD 18-Months
3.50%
3.50%
Annually
Min: $500 Max: $10,000
Money Market
Club Accounts
CDs
CD Tier I (minimum $500)
Rate
APY (annual % yield)
Dividends Paid
60 Months
2.50%
2.50%
annually
48 Months
2.50%
2.50%
annually
36 Months
2.75%
2.75%
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
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
2.75%
2.75%
annually
48 months
2.50%
2.50%
annually
60 months
2.50%
2.50%
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
2.75%
2.75%
annually
48 months
2.50%
2.50%
annually
60 months
2.50%
2.50%
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
2.80%
2.80%
annually
48 months
2.55%
2.55%
annually
60 months
2.55%
2.55%
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
2.85%
2.85%
annually
48 months
2.60%
2.60%
annually
60 months
2.60%
2.60%
annually
CD IRA
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
2.75%
2.75%
annually
48 mos*
2.50%
2.50%
annually
60 mos*
2.50%
2.50%
annually
Loan Type
Term
APR as low as *
New/Used Vehicle
Up to 72 Months
6.99%
73 - 84 Months
7.99%
Personal Powersports & Small Boats
Up to 60 Months
7.74%
61-84 Months
8.24%
Boats > 18', Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles
Up to 84 Months
7.49%
Up to 180 Months
7.49%
Up To 240 Months
7.49%
Mortgage
Up to 30 Year Fixed
Home Equity* (Up To 180 MOS)
Up to 80% LTV*
7.25%
Up to 90% LTV*
8.00%
Variable Rate HE / HELOC
Up to 80% LTV*
8.50%
Up to 90% LTV*
8.75%
Anyday Everyday | NextGen Line of Credit
---
12.25%
Anyday Everyday Loan
10.25%
Loan Rates

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.

* Product features a great “Step Up” feature where you can adjust your interest rate if it goes up. Ask your rep for details!

**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.

* 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

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