Credit union · NCUA insured
PSECU Savings Rates
Top CarrotPSECU’s best savings rate is 2.35% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How PSECU’s savings 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
2.35%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $235
Money Market
Top rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
Pennian Bank
3.75%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $375
PSECU savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.35%
- $10,000 balance$10,0002.35%
- $100,000 balance$100,0002.85%
- QualifiedQualified2.35%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
2.35%APY
Each member account can only have one money market account. Disclosed dividend rates are variable and may change after opening. Dividends are calculated by the daily balance method, compounded daily, and paid monthly. Minimum daily balance of $500 required to earn dividends. Rate applies to the full balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $5,000PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. | 2.35% | — | PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. |
| $5,000 – $20,000PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. | 2.35% | $235 | PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. |
| $20,000 – $50,000PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. | 2.45% | — | PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. |
| $50,000 – $100,000PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. | 2.60% | — | PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. |
| $100,000 and upPSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. | 2.85% | — | PSECU pays dividends on the full balance in the share at the dividend rate corresponding to the applicable share balance tier. |
Sources (4)
- psecu.com/banking/money-market
- psecu.com/banking/savings-accounts
- psecu.com/hubfs/-/media/files/…are-information/2104.pdf
- psecu.com/rates
All captured Oct 16, 2026
Additional Savings Shares
0.25%APY
Open up to five additional savings shares to manage savings goals. Additional savings shares have no minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAdditional savings shares have no minimum balance. Disclosed dividend rates are variable.Any balance | 0.25% | $25 | Additional savings shares have no minimum balance. Disclosed dividend rates are variable. |
Regular Savings Shares
0.25%APY
Requires a $5 minimum balance to establish and maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRegular shares require a minimum balance of $5 to open the account. Disclosed dividend rates are variable.Any balance | 0.25% | $25 | Regular shares require a minimum balance of $5 to open the account. Disclosed dividend rates are variable. |
Sources (1)
- psecu.com/banking/savings-accounts · captured Oct 6, 2026
Special-purpose accounts
Teen Banking
0.44%APY on $10,000
Designed for young people ages 13-17. An adult is not required to open a regular account but may serve as a joint owner. $5 is required in the Youth Savings share to open and maintain a Teen Banking account (made on behalf of the new member by PSECU).
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 3.93% |
| Over $500 | 0.25% |
On $10,000 the tiers blend to about 0.44% APY, earning $44 a year.
Sources (2)
All captured Oct 6, 2026
Youth Savings
0.44%APY on $10,000
Primary account owner must be under the age of 18. Requires a $5 minimum balance to open and maintain a Regular share account (PSECU will make a $5 minimum share purchase on behalf of the member). No opening or monthly maintenance fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 3.93% |
| Over $500 | 0.25% |
On $10,000 the tiers blend to about 0.44% APY, earning $44 a year.
Sources (2)
All captured Oct 6, 2026
IRA Savings
0.25%APY
Includes Traditional and Roth IRA savings shares. Federally insured up to $250,000 by NCUA separately from other PSECU shares. No minimum balance to open an IRA share (requires $5 minimum deposit in Regular Savings Share to establish/retain membership).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required on IRA shares. Rate applies to IRA savings shares.Any balance | 0.25% | $25 | No minimum balance required on IRA shares. Rate applies to IRA savings shares. |
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.