Get the Offers You Deserve as a PSECU Member

Refer a Friend + Earn $100

¹Only current PSECU members with general membership or tentative trust accounts who are 18 years of age or older and in good standing as defined in the PSECU Bylaws are eligible to participate. Joint owners are not eligible to participate. Referrers must visit refer.psecu.com and follow the on-screen instructions to refer friends, family members or colleagues (“Friends”). Referrers will be provided with a Personal Link that allows the Referrer to refer Friends for PSECU membership. Referrers and Friends who open accounts and/or loans by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information, are not eligible to participate. Referrers are not permitted to share their Personal Link via YouTube or Reddit. Any Friend that comes into the referral system through YouTube or Reddit will not be a valid, eligible referral under this Program. A referral for a Friend coming through YouTube or Reddit will be declined and the Referrer will not receive the referral bonus for that Friend referral. If PSECU discovers that a Referrer posted the Personal Link on YouTube or Reddit, that Referrer is ineligible to participate in this Program. Referrers are limited to sharing their Personal Link up to 25 times within a 7-day period. There is an overall referral bonus cap of $500 paid out per member per year regardless of the referral program(s) or referral bonus offer(s) participated in by a PSECU member in a calendar year. Under this referral program, the referring member will receive $100 deposited into their Regular share up to the overall referral bonus cap of $500. A valid referral requires that a Friend must:

1. Meet PSECU’s membership requirements and be at least 18 years of age at the time the PSECU general membership application is completed;
2. Complete the PSECU application for a general membership account by accessing it through the referring member’s Personal Link and follow the on-screen instructions; and
3. Be approved for PSECU membership.

This referral program is subject to change without notice and may end at any time. Click here for complete terms and conditions.

² $300 New Member Bonus Terms and Conditions. (Updated as of 4.2.26)
From 1.1.26 to 12.31.26, PSECU is running a new member incentive bonus. To be eligible to receive $300, new members must apply for membership using the promotional code and satisfy each of the requirements listed below. Your membership application must be started between 1.1.26 and 12.31.26 to be eligible to participate in this bonus offer. Applications started before 1.1.26 or after 12.31.26 will be disqualified from participation in the promotion. After the first 100 days from the date membership is established, PSECU will assess whether all promotional requirements have been met. If eligible, bonus processing may take up to an additional 45 days. Therefore, if all conditions are satisfied, the $300 bonus can be deposited into your Regular savings share within 145 days of the membership establishment date. PSECU reserves the right to extend processing time if requirements are not met or if additional verification is needed. This promotion is limited to individuals who are either a U.S. Citizen or permanent resident alien residing in the U.S. who are 18 years of age or older at the time membership is established. Applications processed through third-party channels, including but not limited to dealerships, are not eligible for this promo. Eligibility is determined based on the applicant’s status as of the date of membership establishment, and no exceptions will be made. Limit one (1) new member $300 New Member Bonus per tax identification number used to open a new PSECU account. Joint owners listed on accounts are not eligible to be rewarded for this bonus unless they open their own account. You will not be eligible for the $300 New Member Bonus if you are a current PSECU member or have closed an account within the past 12 months. You are not eligible to receive this bonus if you ever received any new member incentive bonus from PSECU for opening a new account, regardless of when the prior bonus was awarded. This restriction applies to all prior new member promotional offers and is not subject to exception. Members who open accounts and/or loans by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information, are not eligible to participate in this bonus offer. PSECU may adjust the deposited bonus or remove the deposited bonus at any time if PSECU suspects accounts and/or loans were opened by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information. A minimum share deposit of $5 is required to open and maintain a Regular savings share account. The $5 share deposit is also a mandatory condition for eligibility to receive the $300 New Member Bonus. The member must be in good standing as defined by PSECU's Bylaws Article II, Section 1 from the date membership is established through the date PSECU will deposit the bonus payment. A $5 minimum share purchase will be made on behalf of the new member by PSECU. The Annual Percentage Yield on PSECU's Regular savings share account is 0.25%. This variable rate is current as of 12.1.2025 and may change. Withdrawals and fees may reduce earnings on the account. The recipient of the bonus ($300) is solely responsible for payment of applicable taxes on that amount. If you have any questions, please seek the advice of a qualified tax professional. The decision to award a portion or total bonus is solely within PSECU’s discretion, and all decisions made by PSECU shall be final. PSECU may terminate or change the terms and conditions of this promotion without notice. Subject to all applicable federal, state, and local laws and regulations.

$300 New Member Bonus (must be completed within 100 calendar days of establishing membership) To qualify for the $300 New Member Bonus, all required actions must be completed within 100 calendar days of the date membership is established. This includes: using promotional code 2026PROMO at the time of application, being approved for and opening at least one savings and one checking account, and setting up and receiving two (2) Qualifying Payroll Direct Deposits of $500 or more each into either the new savings or checking account. Failure to complete all requirements within the 100-day window will result in disqualification from the promotion. PSECU is not responsible for delays caused by force majeure, act of God, or third parties in the processing of direct deposits.

Qualifying Payroll Direct Deposits are defined as recurring electronic deposits from an employer, Social Security payments, and pension payments. Examples include paychecks, Social Security payments, and pension payments. The following do not qualify and will not be counted toward bonus eligibility: person-to-person transfers (P2P), transfers between demand deposit accounts (for example, from a checking account to another checking account), and deposits or ACH transfers not originating directly from an employer or the government (for example, online transfers or bank transfers). PSECU reserves the right to verify the source of all deposits and disqualify any that do not meet the defined criteria.

$100 Bonus Cash Offer for New Teen Banking Members

⁸Teen Promo Terms and Conditions: From 1.1.26 to 12.31.26, PSECU is running a teen account promotion. To receive $100, new members, age 13 through 17 must sign up with a teen account with promotional code TEEN via the online application through psecu.com/youth and satisfy each of the requirements listed below. Paper applications are not eligible for this promotion. Your membership application must be started between 1.1.26 and 12.31.26 to be eligible to participate in this bonus offer. Applications started before 1.1.26 or after 12.31.26 will be disqualified from participation in the promotion. “Teen account” is defined as an account where the primary owner of the account is the teen and the adult is a joint owner on the teen account. The teen’s information will need to be within the Primary Applicant fields and the adult’s information will need to be within the Joint Applicant’s fields within the Youth Savings Share application. After the first 60 days from establishing membership, your status to receive the bonus will be assessed and processed, which can take up to 30 days. This means, if all requirements are met, you can expect your bonus to be deposited into your Regular savings share within 105 days from establishing membership. Promotion is open to U.S. citizens or permanent residents between the ages of 13 and 17 who reside in the U.S. at the time of membership enrollment. Membership must be established by a joint owner who is at least 18 years old, on behalf of the minor. Limit one (1) new teen account promotion $100 per tax identification number used to open a new PSECU account. Joint owners listed on accounts are not eligible to be rewarded for this bonus. Minors who already have a custodial account in their name are eligible to participate in this bonus offer so long as the custodial account is in good standing as defined below. You will not be eligible for the $100 Teen promotion if the minor is a current PSECU member with a general membership or teen account, has closed a general membership or teen account within the past 12 months, or has received any new member incentive bonus within the past 12 months for a general membership or teen account. Members who open accounts and/or loans by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information, are not eligible to participate in this promotional offer. PSECU may adjust the deposited bonus or remove the deposited bonus at any time if PSECU suspects accounts and/or loans were opened by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information. $5 is required in the Youth Savings share to open and maintain a Teen Banking account. This $5 Youth Savings share deposit is also required to be eligible to receive the bonus, and the member must be in good standing as defined by PSECU's Bylaws Article II, Section 1 to receive the bonus. A $5 minimum share purchase will be made on behalf of the new member by PSECU. . The Annual Percentage Yield on PSECU's Youth Savings is 4.00% on balances of $0.01 to $500.00 and 0.25% on balances of $501.00 and greater. This variable rate is current as of 12.1.2024 and may change. Withdrawals and fees may reduce earnings on the account. The recipient of the promotion ($100) is solely responsible for payment of applicable taxes on that amount. If you have any questions, please seek the advice of a qualified tax professional. The decisions to award a portion or total bonus is solely within PSECU’s discretion, and all decisions made by PSECU shall be final. PSECU may terminate or change the terms and conditions of this promotion without notice.  Subject to all applicable federal, state, and local laws and regulations. See psecu.com/teen to learn more.

$100 Teen Promotion (must be completed within 60 days of establishing membership)
Within 60 days of establishing membership, you must sign up with promotional code TEEN, be approved for a checking account with debit card, sign up and log in to digital banking (online or mobile) and set up and make 5 qualifying transactions. The $5 minimum share purchase does not count as a qualifying transaction. All transactions must be posted to the account by the 60th day in order to qualify. Pending transactions will not count towards a qualifying transaction. PSECU is not responsible for delays caused by force majeure, act of God, or third parties in the processing of any transaction.

Qualifying transactions are defined as transfers, debit card purchases, and deposits. Each transaction must be a minimum of $5. Transfers can be made through external accounts and person to person (P2P). Debit card purchases are purchases made with a PSECU debit card. Deposits are money and checks deposited into the new checking or savings account by mobile deposit, ATM deposit, direct deposit, or cash deposit made at participating PSECU locations.

Transactions that are not eligible for the Teen Promotion include, but are not limited to, the following: unauthorized purchases/fraudulent transactions, purchase of Travelers Cheques, account fees, fee reversals, dividends posted by PSECU, overdraft transfers, merchant returns, credit adjustments, government-owned lotteries, betting, lottery tickets, casino gambling.