PA State Employees Achieve More - Join Today!

We're proud to offer you products and services that help with your unique financial needs. After all, it's what we do best! Become a member and get access to all the perks of PSECU membership.

Partners in Helping You Achieve More

We were founded by 22 state employees who pooled just $90 and did something extraordinary: they created a financial institution with a mission to help people live better lives. Our connection to the Commonwealth has existed for more than 90 years, and we continue to serve that mission today.

Members-Only Perks

As a not-for profit credit union, we’re here to serve you, not stockholders. When you open an account with us, you’ll receive:

Excellent Member Service

You'll feel valued, cared for, supported, and empowered to take control of your finances and achieve your dreams.

Security & Peace of Mind

Our fraud prevention and security teams work hard every day to ensure your personal information and money are safe. And you can rest assured knowing each member has coverage of at least $250,0001 under the NCUA Share Insurance Fund.

Access to Great Rates

You’ll enjoy competitive rates on loans like mortgages and auto and deposit products like savings accounts, certificates, and money markets.

Focus on YOU

"Members Achieve More" isn’t just a tagline for us. It’s a part of everything we do. No matter what life hands you, or where you find yourself, we're here to help you achieve your financial goals for a lifetime.

New Member Offer Details

Open a new member account with PSECU and you can earn $300* in bonus cash when you meet promo requirements.

  • Open a PSECU savings and checking account with debit card using promo code 300PROMO.
  • Sign up and log into digital banking (online or mobile).
  • Set up and receive two (2) qualifying payroll direct deposits each of $500 or more.

Please note: Promo requirements must be completed within 100 days of establishing membership. Once promo requirements are met, your bonus will be paid within 145 days of establishing membership.

Open a new member account and start earning your bonus cash.

Join Now & Earn $300*
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New Member Offer Details

Our Products & Services

You have unique financial needs. We offer the financial products, services, and 24/7 digital banking channels necessary to meet them. Check out all the ways you can achieve more when you open a PSECU account.

Free, Award-Winning Checking

Free, Award-Winning Checking

One simple account that has no minimum balance requirements, no monthly service fees, and no hidden fees. With a PSECU checking account, you keep your money where it belongs - with you.

  • One simple choice for all members. We like to keep it simple, so you don’t run into decision fatigue. No need to choose from a bunch of different options - we offer one account that’s perfect for all.
  • No monthly maintenance or service fees. Fees? Forget about them. You keep more of your money, without the recurring fees to eat up your balance.
  • No minimum balance requirements. Manage your money the way you want and need, without worrying about maintaining a minimum balance. You have the freedom to use your account as you wish.
  • No-fee Overdraft Protection Transfer Service. Oops! Accidentally used more money than you have in your checking account? That’s why we have you covered with our no-fee Overdraft Protection Transfer Service.
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Meet Your Short- and Long-Term Savings Goals

A Regular savings share is the cornerstone of your PSECU account (with just a $5 minimum balance requirement!). And whether you’re saving for next month, next year, or the next phase of your life, we offer additional savings opportunities to reach those goals.

  • Savings shares. In addition to your Regular savings share, you can open up to five additional savings shares with no minimum balance requirement. You can then rename these shares to keep your money organized in the way that works for you.
  • Money market account. The more you save, the more you can earn with dividends2 that grow alongside your balance. Increased earnings can begin with as little as $500 in your account.
  • Certificates. With terms from 3-60 months, you can safely and easily invest your money. You can open a new certificate and earn the advertised rate with just $500.3
  • IRAs. Planning for your future has never been easier. We have accounts for both education and retirement.
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Low-Cost Loans for All Your Needs

Our wide range of loan offerings lets you streamline your finances by meeting multiple borrowing needs in one place.

  • Mortgages. Whether you’re looking for a fixed-rate, adjustable-rate, construction, jumbo, or First-Time Homebuyer loan, we’re ready to welcome you home with our mortgage offerings.
  • Home equity. Put the value of your home to work for you with our home equity options.
  • Auto. Have your eyes on a new or new-to-you car? Or looking to break up with your current auto loan? We offer auto loan payment options that meet you where you are.
  • Personal loans. Get quick and easy access to the cash you need with our Signature Loan.
  • Debt consolidation. Get out of debt, on your terms, with a debt consolidation loan that offers predictable monthly payments and a simpler repayment timeline.
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Choose the Card for You

You know your financial situation best. That’s why we offer various credit cards to meet your needs.

  • Founder’s Rewards Card. Earn 2%4 or 1.5% cash rewards on every purchase.
  • Classic Card. Make purchases and cash advances with low interest rates.
  • Secured Visa® Card. Get the flexibility and freedom of a credit card while you establish or rebuild credit responsibly. 

 

 

  • Free, Award-Winning Checking

    Free, Award-Winning Checking

    One simple account that has no minimum balance requirements, no monthly service fees, and no hidden fees. With a PSECU checking account, you keep your money where it belongs - with you.

    • One simple choice for all members. We like to keep it simple, so you don’t run into decision fatigue. No need to choose from a bunch of different options - we offer one account that’s perfect for all.
    • No monthly maintenance or service fees. Fees? Forget about them. You keep more of your money, without the recurring fees to eat up your balance.
    • No minimum balance requirements. Manage your money the way you want and need, without worrying about maintaining a minimum balance. You have the freedom to use your account as you wish.
    • No-fee Overdraft Protection Transfer Service. Oops! Accidentally used more money than you have in your checking account? That’s why we have you covered with our no-fee Overdraft Protection Transfer Service.

Additional Member Perks

Your benefits go beyond banking when you’re a PSECU member.

Boost Your Financial Know-How
Learn how to budget like a boss, squirrel away savings, and be financially prepared for every stage in life with our free financial wellness resources.
Keep an Eye on Your Credit
Receive monthly updates on your credit score with our free credit score service5.
Enjoy Members-Only Discounts
Unlock a suite of money-saving opportunities and discounts on national brands.
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Members Achieve More - Join Today!

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member
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*$300 New Member Bonus Terms and Conditions
From 1.1.25 to 12.31.25, PSECU is running a new member incentive bonus. To receive $300, new members must sign up with promotional code 300PROMO and satisfy each of the requirements listed below. After the first 100 days from establishing membership, your status to receive the bonus will be assessed and processed, which can take up to 45 days. This means, if all requirements are met, you can expect your bonus to be deposited into your Regular savings share within 145 days from establishing membership. Promotion open to U.S. Residents who are 18 years of age or older at the time membership is established. 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, have closed an account within the past 12 months, or have received any new member incentive bonus within the past 12 months. 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 savings share account. This $5 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. A $5 minimum share purchase will be made on behalf of the new member by PSECU. If the member account is closed within the first year of membership, the initial $5 share will be retained by PSECU. The Annual Percentage Yield on PSECU's Regular savings share account is 0.25%. This variable rate is current as of 12.1.2024 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 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.

$300 New Member Bonus (must be completed within 100 days of establishing membership)
Within 100 days of establishing membership, you must sign up with promotional code 300PROMO, be approved for at least one savings and one checking account with debit card, sign up and log in to digital banking (online or mobile) and set up and receive 2 Qualifying Payroll Direct Deposit(s) each of $500 or more into either the new savings or checking accounts. 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 paychecks, Social Security payments, and pension payment. The following are not Qualifying Direct Deposits: person to person transfers (P2P), demand deposit account to demand deposit account transfers (for example, from a checking account to another checking account), and deposits or ACH transfers not from an employer or the government (for example, online transfers or bank transfers).

1All PSECU deposit shares, including checking, Regular, additional savings, money market and certificates, are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. In addition to the $250,000 of insurance provided on an individual account or combination of individual accounts, you are also insured up to $250,000 for any combination of accounts you may hold jointly with other individuals.

2Rates 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.

3If your withdrawal plus penalty takes the certificate below the required minimum $500 balance, your certificate will be closed and the penalty will be calculated on the entire balance.

4You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details.

5PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.