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 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!

Rates effective February 15, 2025 and are subject to change without notice.

Deposit Accounts
Account and Required Balance Rate APY*
Savings:  $5.00–$24,999.99 0.35% 0.35%
Savings:  $25,000.00–$99,999.99 0.40% 0.40%
Savings:  $100,000.00+ 0.50% 0.50%
IRA:  $50.00–$24,999.99 0.50% 0.50%
IRA:  $25,000.00–$99,999.99 0.60% 0.60%
IRA:  $100,000.00+ 0.70% 0.70%
Holiday & Club Savings Accounts: $0***
 		 0.50%
 		 0.50%
 
Checking Accounts
Account and Required Balance Rate APY*
GreenRewards Checking:  $0 – $500** 4.00% 4.07%
GreenRewards Checking:  $501+ ** 0.15% 0.15%
Better-than-Basic Checking:  $0
 		 0.10%
 		 0.10%
 


* APY=Annual Percentage Yield. Fees could reduce earnings. Rates are subject to change without notice.

** GreenRewards Checking offers you the ability to earn 4.07% APY on your first $500 and then 0.15% APY on any amount above that. Account holder must meet the following requirements in order to receive interest: (1) Make 12 debit card transactions per month (excluding ATM transactions)  (2) Sign-up for eStatements  (3) Use Online or Mobile Banking (must access at least once per month)  (4) Have $1,000 or more in direct deposit / payroll transactions. Member must meet all 4 requirements of GreenRewards Checking listed above to earn the highest interest rate. PSCCU has the right to un-enroll a member if they are not meeting the requirements. If the GreenRewards Checking requirements are not met, no interest will be earned.

*** 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.

Back To Top

Certificates1
SPECIAL CERTIFICATES
$1,000 Minimum		 Rate APY1
36-month
Pacific Northwest (PNW) Certificate		 3.45% 3.50%
20-month
Mount Rainier Certificate		 4.30% 4.39%
18-month
GreenUp Certificate		 4.25% 4.33%
10-month
Mount Adams Certificate		 4.02% 4.10%
7-month Certificate 4.17% 4.25%
5-month Bump-Up Certificate2 4.27% 4.35%
STANDARD CERTIFICATES
$500 Minimum		 Rate APY1
6-month Certificate | Wave Club3 3.25% 3.29%
6-month Certificate 3.00% 3.04%
12-month Certificate | Wave Club3 4.32% 4.40%
12-month Certificate 4.07% 4.15%
24-month Certificate | Wave Club3 3.99% 4.06%
24-month Certificate 3.74% 3.80%
48-month Certificate | Wave Club3 4.15% 4.23%
48-month Certificate 3.90% 3.97%
$1,000 Minimum Rate APY1
60-month Certificate 2.75% 2.78%


1 APY = Annual Percentage Yield. Rates are subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Interest is compounded and paid monthly using the daily balance method. At maturity, Certificates renew automatically with a 10-day grace period. Contact the credit union for more information.

2 One-time rate bump-up when you choose.  Add funds anytime during the term. Minimum $500 for additional funds.

3 Must have a PSCCU primary checking account including direct deposit & active PSCCU Credit Card. 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 Certificates, Auto Loan, Personal Loans, or Boat/Motorcycle/RV Loans. Other restrictions may apply. Contact the Credit Union for full details.

Back To Top

IRA Certificates4
$500.00 Minimum Rate APY4
12-month IRA Wave Club Certificate5 4.32% 4.40%
12-month IRA Certificate5 4.07% 4.15%
24-month IRA Wave Club Certificate5 3.99% 4.06%
24-month IRA Certificate5 3.74% 3.80%
48-month IRA Wave Club Certificate5 4.15% 4.23%
48-month IRA Certificate5 3.90% 3.97%


4 APY = Annual Percentage Yield. Rates are subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Interest is compounded and paid monthly using the daily balance method. At maturity, Certificates renew automatically with a 10-day grace period. Contact the credit union for more information.

5 Must have a an IRA Savings Account. 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 Certificates, Auto Loan, Personal Loans, or Boat/Motorcycle/RV Loans. Other restrictions may apply. Contact the Credit Union for full details.

Back To Top

Click here to view the Fee Schedule.