Rates

We aim to empower our members to help their money go further—and our savings options do just that.

From basic savings, a checking account that pays YOU, a special certificate just for PSCCU members and everything in-between, we offer a variety of savings options so you can plan ahead, rest easy and earn more.

And for those interested in a Share Certificate, you can increase your rate through our Wave Club Program!* All you have to have is an active PSCCU Checking Account and VISA Credit Card. It's that simple!

Shares
  Rate APY* Term in months
Savings: $50.00 - $24,999.99 0.35% 0.35% N/A
Savings: $25,000.00 - $99,999.99 0.50% 0.50% N/A
Savings: $100,000.00+ 0.60% 0.60% N/A
IRA: $50.00 - $24,999.99 0.45% 0.45% N/A
IRA: $25,000.00 - $99,999.99 0.55% 0.55% N/A
IRA: $100,000.00+ 0.65% 0.65% N/A
GreenRewards Checking $0 - $500¹ 2.34%¹ 2.36%¹ N/A
GreenRewards Checking $501+¹ 0.15%¹ 0.15%¹ N/A
Regular Checking 0.10% 0.10% N/A
Holiday & Club Savings Accounts 0.35% 0.35% N/A

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Share Certificates
$500.00 Minimum Rate APY* Term in months
Member Appreciation Certificate - MAC  $150,000.00 - maximum 2.00% 2.02% 10
Member Appreciation Certificate - MAC $150,000.00 - maximum 2.40% 2.43% 20
Member Appreciation Certificate - MAC $150,000.00 - maximum 2.80% 2.84% 60
Share Certificate | Wave Club
 		 1.25% 1.26% 6
Share Certificate 1.20% 1.21% 6
Share Certificate | Wave Club
 		 2.05% 2.07% 12
Share Certificate 1.95% 1.97% 12
Share Certificate | Wave Club
 		 2.60% 2.63% 24
SHARE CERTIFICATE SPECIAL² 3.00% 3.04% 24
Share Certificate Regular 2.50% 2.53% 24
Share Certificate | Wave Club
 		 2.70% 2.73% 48
Share Certificate: 2.60% 2.63% 48

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IRA Certificates
$500.00 Minimum Rate APY* Term in months
IRA Share Certificate 2.10% 2.12% 12
IRA Share Certificate 2.55% 2.58% 24
IRA Share Certificate 2.70% 2.73% 48

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*APY = Annual Percentage Yield. Share dividend rates are estimated based on the last dividends paid. Rates are subject to change without notice. Holiday Savings Account: entire balance will be paid to you by check or transferred to another account of yours on or after November 1, and the account will remain open. If you withdraw any of the account balance at any time, we will close your account and pay you the full account balance. All Certificates have fees for early withdrawal. IRA Certificates require an IRA. Limit one (1) Member Appreciation Certificate (MAC) per member. Contact the credit union for more information.

¹GreenRewards Checking offers you the ability to earn 2.36% APY on your first $500 and then 0.15% APY on any amount above that. Account holder must meet certian requirements in order to receive dividends. Click here for full information on the GreenRewards Checking account.

²24 Month Share Certificate Special: APY = Annual Percentage Yield. Limited time offer to end by 12/31/18 or at the Credit Union’s discretion. Only new money to the Credit Union is eligible for this offer. Some restrictions and fees may apply. The rate increase (bump) feature may be used one (1) time at any time during the term of the 24-Month Share Certificate. The increased rate (bump) will equate to the current PSCCU 24-Month Share Certificate term rate at that time. Certificate automatically renews at the 24-month term at the current 24-month Certificate rate at time of renewal. Wave Club and IRA 24-Month Certificates are not eligible for this offer. Contact the Credit Union for complete details. Federally Insured by NCUA.

Wave Club: To qualify, member must have an active Checking Account (direct deposit or regular deposits), as well as an active VISA Credit Card (recent monthly activity) with PSCCU. Wave Club discounts are only valid for Share Certificates, Auto Loan, Personal Loans, or Boat/Motorcycle/RV Loans. Other restrictions may apply. Contact the Credit Union for full details.

Click here to view the Fee Schedule.