Credit union · NCUA insured
PSECU CD Rates
Top CarrotPSECU’s best CD rate is 4.00% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How PSECU’s CD rates compare
Compared with banks and credit unions near Harrisburg, PA, where PSECU has the most branches. $10,000, best rate first.
This credit union’s best
PSECU
4.00%APY
- Term
- 15 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $502
Promotional Rate Certificate
Top rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
PSECU CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.35%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.65%
- 31–60 months31–60 mo2.70%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where PSECU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promotional Rate Certificate
4.00%APY · 1 term
Promotional certificates are subject to change at any time without notice. Rate will be paid until maturity. Automatically renews at maturity at the next lowest non-promotional term rate unless contacted on or before maturity date. 10 calendar days after maturity to redeem without penalty. Penalty for early withdrawal. Minimum daily balance of $500 to earn APY. Open with as little as $500.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsPromotional rate paid until maturity. Automatically renews at the next lowest non-promotional term rate unless contacted on or before maturity date. 10-day grace period. Early withdrawal penalty. $500 minimum daily balance required to earn APY | 4.00% | $502 |
Sources (1)
- psecu.com/banking/certificates · captured Oct 6, 2026
Certificates
Up to 3.65%APY · 9 terms
Federally insured by NCUA up to $250,000. No monthly maintenance fees. Minimum balance to open is $500. Dividends accrue daily and compound monthly. Automatically renews at maturity unless contacted on or before maturity date. 10-day grace period to redeem without penalty. Penalty for early withdrawal. $500 minimum daily balance required to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 1.50% | $37 |
| 6 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.35% | $166 |
| 9 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.45% | $258 |
| 12 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.55% | $355 |
| 18 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.65% | $552 |
| 24 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.60% | $733 |
| 36 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 2.60% | $800 |
| 48 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 2.65% | $1,103 |
| 60 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 2.70% | $1,425 |
Sources (1)
- psecu.com/banking/certificates · captured Oct 6, 2026
Special-purpose accounts
IRA Certificates
Up to 3.65%APY · 9 terms
Individual Retirement Account (IRA) certificates including Traditional, Roth, and Coverdell ESA share certificates. Federally insured by NCUA up to $250,000. Open with $500 minimum. Fixed rate for term. Once open, cannot add money until term ends (10-day grace period at maturity to add/transfer funds). Automatically renews for the same term. Penalty for early withdrawal. Minimum daily balance of $500 to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 1.50% | $37 |
| 6 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.35% | $166 |
| 9 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.45% | $258 |
| 12 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.55% | $355 |
| 18 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.65% | $552 |
| 24 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 3.60% | $733 |
| 36 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 2.60% | $800 |
| 48 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 2.65% | $1,103 |
| 60 monthsMinimum daily balance of $500 to earn disclosed APY. Early withdrawal penalty applies. Automatically renews at maturity for same term unless redeemed within 10 calendar day grace period | 2.70% | $1,425 |
Who can join PSECU
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.
Membership information collected October 5, 2026.