PSECU Perks You Don't Want To Miss

¹Rates “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.

²Teen 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. $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. 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 laws. See psecu.com/teen to learn more.

$100 Teen Promotion Requirements 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, and make 5 qualifying transactions. Qualifying transactions include transfers, debit card purchases, and deposits. Each transaction must be a minimum of $5. Pending transactions do not count.

³Youth Deposit Promotion Terms and Conditions: From 4.1.26 to 4.30.26, PSECU is running a new youth savings account bonus. To receive the bonus, adult members must open a new youth savings account via the online application through psecu.com/youth with a minor aged 0 – 12 years of age (“Youth”) using promotional code YOUTH and satisfy the requirements listed below. Paper applications are not eligible for this promotion. “Youth savings account” is defined as an account where the primary owner of the account is the Youth and the adult is the joint owner on the youth savings account.  All youth savings accounts must be opened and funded with promotional code YOUTH by 4.30.26 at 11:59 pm to be eligible. PSECU will deposit the bonus into the Regular savings share within 45 days after requirements are satisfied. PSECU will match only the first deposit made into the Regular savings share up to $25. The first deposit is either the initial deposit made during the application process or the initial deposit made after the account is opened. The required initial $5 deposit (share purchase) made during the application process is not included. To be eligible for the bonus match, the first deposit must be a minimum of $1.00. Deposits to other shares such as checking or additional savings shares will not qualify for this bonus offer.  This promotion is open to adults and Youths who are either a U.S. Citizen or permanent resident alien residing in in the U.S. Adults must be at least 18 years of age at the time the youth savings account is opened with the Youth. Youths must be aged 0 – 12 years at the time the youth savings account is opened with the adult joint owner. Limit one (1) new youth savings account bonus per Youth primary owner tax identification number used to open a new PSECU youth savings account. Joint owners listed on accounts are not eligible to be rewarded for this bonus. You will not be eligible for the youth savings account bonus offer if the Youth is a current PSECU member, has closed a youth savings account within the past 12 months, or has received any new member incentive bonus within the past 12 months. However, current custodial account holders can qualify for this new youth savings account bonus if the custodial account is in good standing as defined below. 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. $5 is required to open and maintain a Regular share account. This $5 share deposit is also required to be eligible to receive the bonus, and the member must be in good standing, at the time of payout, as defined by PSECU's Bylaws Article II, Section 1. 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 12.01.2025 and may change. Withdrawals and fees may reduce earnings on the account. The recipient of the bonus (up to $25) 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.

To earn the youth bonus:

• Open a youth savings account with a youth, age 0-12, between 4.1.26 to 4.30.26 using promo code YOUTH.
• PSECU will match the initial deposit made to the Regular savings share up to $25 within 45 days after the requirements are satisfied.
  Note: This does not include the initial $5.00 funding to open the account. The match will be made based on only the first deposit at or after account opening to the Regular savings share. The deposit must be a minimum of $1.00 to qualify
• Limit one (1) new youth savings account bonus per Youth primary owner tax identification number used to open a new PSECU youth savings account.

⁴APY denotes Annual Percentage Yield. To be eligible for the youth savings rate, the primary account owner must be under the age of 18. All eligible Youth Savings Share accounts earn 4.00% APY for balances from $0.01 to $500.00. For balances of $500.01 and over, the Regular savings share APY will apply. 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). Find our current dividend rates at psecu.com/rates. PSECU requires a $5 minimum balance to open and maintain a Regular share account. This $5 share account deposit is required to be eligible to receive the youth savings rate, and the member must be in good standing as defined by PSECU’s Bylaws, Article II, Section I. PSECU will make a $5 minimum share purchase on behalf of the member.

⁵Rates "as low as" 5.99% 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 5.99%. Maximum APR is 14.74%. 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; Kelley Blue Book® 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. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc. 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.