Credit union · NCUA insured
PSECU Credit Card Rates
Top CarrotPSECU credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 7, 2026.
How PSECU’s credit card rates compare
Compared with banks and credit unions near Harrisburg, PA, where PSECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
PSECU
9.90%APR
Classic Card
Lowest rate
New Cumberland Federal Credit Union
6.90%APR
2nd-lowest rate
AmeriChoice Federal Credit Union
8.90%APR
PSECU credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where PSECU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Alumni Classic Card
Official credit card for Penn State Alumni Association members and fans. PSECU pays the first year of Penn State Alumni Association membership dues for applicants who are not yet members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0.00% APR for purchases made with newly acquired cards opened between 10/1/2026 and 12/31/2026. First purchase must post by 12/31/2026 to activate. 3-month Purchase Window from first purchase date; 12-month promotional period starts on the first purchase date. |
| Ongoing | 9.90% | None | Fixed purchase APR (subject to change). |
| Ongoing | 0.00% | None | Promotional 0.00% APR on balance transfers posting between 10/1/2026 and 12/31/2026, valid until 9/30/2027. 2.90% balance transfer fee applies. Minimum $250 requested through digital banking. |
| Ongoing | 11.90% | None | Fixed cash advance APR (subject to change). $0 cash advance fee. |
Sources (3)
- psecu.com/credit-cards/alumni/penn-state-alumni
- psecu.com
- psecu.com/hubfs/-/media/files/…credit-services/3902.pdf
All captured Oct 7, 2026
Alumni Rewards Card
Official credit card for Penn State Alumni Association members and fans. Earn 1.5% cash rewards on purchases, or 2% cash rewards if maintaining a PSECU checking account and qualifying monthly direct deposit(s) of at least $500.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.15% | None | Variable purchase APR equal to Prime Rate plus a margin of 9.15%. |
| Ongoing | 4.90% | None | Promotional rate of 4.90% APR on balance transfers posting between 7/1/2026 and 12/31/2026, valid until 12/31/2027. $0 balance transfer fee. Minimum $250 requested through digital banking. |
| Ongoing | 18.00% | None | Variable cash advance APR. $0 cash advance fee. |
Sources (3)
- psecu.com/credit-cards/alumni/penn-state-alumni
- psecu.com/credit-cards/choose
- psecu.com/credit-cards/founders-rewards-card
All captured Oct 7, 2026
Classic Card
Available to PSECU members. Credit limit up to $30,000, if qualified.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0.00% APR for purchases on newly acquired cards opened between 10/1/2026 and 12/31/2026. First purchase must post by 12/31/2026 to activate. Cardholder has a 3-month Purchase Window from the date of first purchase to make additional purchases at 0.00% APR. The 12-month promotional period begins on the date of the first purchase. |
| Ongoing | 9.90% | None | Standard ongoing purchase rate after the introductory promotional period ends. |
| Ongoing | 0.00% | None | Promotional 0.00% APR on balance transfers posting between 10/1/2026 and 12/31/2026, valid until 9/30/2027. Subject to a 2.90% balance transfer fee. Minimum transfer of $250 through digital banking. |
| Ongoing | 11.90% | None | No cash advance fee. |
Founder's Rewards Card
Earn 1.5% cash rewards on purchases, or 2% cash rewards if maintaining a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Credit line up to $30,000, if qualified. Visa Signature benefits provided for credit lines of $5,000 or more.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.15% | None | Variable rate equal to Prime Rate plus a margin of 9.15%. |
| Ongoing | 4.90% | None | Promotional rate of 4.90% APR on balance transfers posting between 7/1/2026 and 12/31/2026, valid until 12/31/2027. $0 balance transfer fee. Minimum $250 requested through digital banking. |
| Ongoing | 18.00% | None | No cash advance fee. |
Sources (2)
All captured Oct 7, 2026
Secured Visa Card
Secured credit card requiring collateral held in Regular savings share: minimum collateral of $200 for loan amounts between $200-$800, or 25% of credit limit requested for loan amounts > $800 to $2,500. Credit limit between $200 and $2,500. Primary member must be age 18 or older.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory 0.00% APR for purchases made with newly acquired cards opened between 10/1/2026 and 12/31/2026. First purchase must post by 12/31/2026. 3-month Purchase Window from first purchase; 12-month promotional period begins on first purchase date. |
| Ongoing | 9.90% | None | Standard ongoing purchase rate. |
| Ongoing | 0.00% | None | Promotional 0.00% APR on balance transfers posting between 10/1/2026 and 12/31/2026, valid until 9/30/2027. Subject to a 2.90% balance transfer fee. Minimum transfer of $250 through digital banking. |
Sources (4)
- psecu.com/credit-cards/choose
- psecu.com/credit-cards/secured-visa-card
- psecu.com/hubfs/-/media/files/…credit-services/3902.pdf
- psecu.com/rates
All captured Oct 7, 2026
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.