Credit union · NCUA insured
PSECU
Top CarrotA $9.6B credit union, the 31st largest of 4,329, headquartered in Harrisburg, PA, with 546,072 members and 2 branches in Pennsylvania. Best rates: CDs 4.00% and savings 2.35% APY.
PSECU Carrot Score
Carrot ScoreTop Carrot
Higher than 83% of U.S. banks and credit unions
#3 of 26 in Harrisburg, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About PSECU
Founded in 1934 by 22 state workers, Pennsylvania State Employees Credit Union is a member-owned, not-for-profit credit union.
The credit union was created so members could pool their money and work together to provide better lives for their families.
- Headquarters
- 1500 Elmerton Ave, Harrisburg, PA 17110
- NCUA charter
- 64131
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Members or joining members of the Pennsylvania Recreation and Parks Society or Pennsylvania Consumer Council are eligible to join.
- Employees of over 1,000 partner employers in Pennsylvania are eligible for membership.
Military, government and schools
- Individuals affiliated with partnered Pennsylvania colleges or universities are eligible to join.
Family and household
- Individuals who live with or are related to an existing PSECU member are eligible for membership.
Cost to join
- Membership requires opening a dividend-earning savings account with a $5 minimum balance.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Cup1 Credit Union Pl, Harrisburg, PA 17110Directions
- Lemoyne Branch1249 Market St, Lemoyne, PA 17043Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.85% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.75% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 2.01% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalNet worth ratio11.85%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.75%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets2.01%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of PSECU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.