Public Service Credit Union CD Rates

How Public Service Credit Union’s CD rates compare

Compared with banks and credit unions near Fort Wayne, IN, where Public Service Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Public Service Credit Union
6.00%APY
Term
11 months
Minimum
$20
Earns on $10,000
$549
Payroll Certificate
2nd-highest rate
GreenWay Bank
4.50%APY
Term
12 months
Minimum
$1,000
Earns on $10,000
$450
GreenWay Bank rates
3rd-highest rate
Kemba Credit Union
4.35%APY
Term
40 months
Minimum
$500
Earns on $10,000
$1,525
Kemba Credit Union rates

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Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Payroll Certificate

Up to 6.00%APY · 4 termsPromotionalFrom $20 to open

Money is automatically transferred from your direct deposit into the payroll certificate each time you get paid. Rate based on term selected (3 to 12 months) or certificate specials. Minimum $20 to open. Penalty for early withdrawal or no early withdrawals on specific specials. Fees may reduce earnings.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 months3-12 month certificates can be Payroll Certificates; Minimum $20 minimum to open; Penalty for early withdrawal. Fees may reduce earnings	0.60%	$15
6 months3-12 month certificates can be Payroll Certificates; Minimum $20 minimum to open; Penalty for early withdrawal. Fees may reduce earnings	1.00%	$50
11 monthsLimited Time Only Certificate Special: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. $20 minimum and maximum to open. ACH distribution required with maximum $200/monthly, $100/bi weekly, or $50/weekly. No early withdrawals. Upon maturity, payroll certificates are transferred back into the account selected at opening. Limit one Payroll Certificate per member (SSN). Cannot use Loyalty Points or other offers in combination	6.00%	$549
11 monthsPayroll Certificate Special: $20 minimum and maximum to open. ACH distribution required with maximum $200/monthly, $100/bi weekly, or $50/weekly. No early withdrawals. Upon maturity, payroll certificates are transferred back into the account selected at opening. Cannot use Loyalty Points or other offers in combination with these specials	5.00%	$457
12 months3-12 month certificates can be Payroll Certificates; Minimum $20 minimum to open; Penalty for early withdrawal. Fees may reduce earnings	1.15%	$115

Sources (4)

All captured Oct 15, 2026

Special-purpose accounts

IRA & ESA Certificates

Up to 4.60%APY · 11 termsIRAFrom $1,000 to open

Money from your IRA or ESA can be put into an IRA or ESA certificate to earn a higher interest rate. The rate and terms are the same as our share certificates. All certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings. Cannot use Loyalty Points or other offers in combination with specials.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · Up to $25,000	APY	Earns on $10,000Earns
3 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	0.60%	—	0.60%	$15
6 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.00%	—	1.00%	$50
7 monthsShare Certificate Special: $1000 minimum to open. All certificates can be IRA certificates. Cannot use Loyalty Points or other offers in combination with this special to increase rate. Penalty for early withdrawal. Fees may reduce earnings. Dividends computed daily, compounded with each balance change, posted on last day of month	4.25%	—	4.25%	$246
12 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.15%	—	1.15%	$115
13 monthsLimited Time Only Certificate Special: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. $1000 minimum and $25,000 maximum to open. Penalty for early withdrawal. Fees may reduce earnings. Upon maturity, automatically renews for a 12-month term. Limit one Share Certificate per member (SSN). Cannot use Loyalty Points or other offers in combination with these specials. All certificates can be IRA certificates	—	4.60%	4.60%	$499
18 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.16%	—	1.16%	$175
24 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.20%	—	1.20%	$241
30 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.25%	—	1.25%	$315
36 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.35%	—	1.35%	$410
48 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.25%	—	1.25%	$509
60 monthsAll certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings	1.25%	—	1.25%	$641

Sources (4)

All captured Oct 15, 2026

Share Certificates of Deposit

Up to 4.60%APY · 11 termsIRAPromotionalFrom $1,000 to open

With a minimum opening deposit of $1000 you can lock in a rate for a term of 3-60 months or certificate specials. Certificates can be set up to automatically renew or be transferred into another account at maturity. Penalty for early withdrawal. Fees may reduce earnings. Cannot use Loyalty Points or other offers in combination with specials. All certificates can be IRA certificates. Dividends computed daily, compounded with each balance change, and posted on the last day of the month.

Earnings on $10,000 over the term.
Term	APY · Any balance	APY · Up to $25,000	APY	Earns on $10,000Earns
3 monthsPenalty for early withdrawal. Fees may reduce earnings	0.60%	—	0.60%	$15
6 monthsPenalty for early withdrawal. Fees may reduce earnings	1.00%	—	1.00%	$50
7 monthsShare Certificate Special: $1000 minimum to open. Cannot use Loyalty Points or other offers in combination with this special to increase rate. Penalty for early withdrawal. Fees may reduce earnings. Dividends computed daily, compounded with each balance change, posted on last day of month	4.25%	—	4.25%	$246
12 monthsPenalty for early withdrawal. Fees may reduce earnings	1.15%	—	1.15%	$115
13 monthsLimited Time Only Certificate Special: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. $1000 minimum and $25,000 maximum to open. Penalty for early withdrawal. Fees may reduce earnings. Upon maturity, share certificates automatically renew for a 12-month term. Limit one Share Certificate per member (SSN). Cannot use Loyalty Points or other offers in combination with these specials	—	4.60%	4.60%	$499
18 monthsPenalty for early withdrawal. Fees may reduce earnings	1.16%	—	1.16%	$175
24 monthsPenalty for early withdrawal. Fees may reduce earnings	1.20%	—	1.20%	$241
30 monthsPenalty for early withdrawal. Fees may reduce earnings	1.25%	—	1.25%	$315
36 monthsPenalty for early withdrawal. Fees may reduce earnings	1.35%	—	1.35%	$410
48 monthsPenalty for early withdrawal. Fees may reduce earnings	1.25%	—	1.25%	$509
60 monthsPenalty for early withdrawal. Fees may reduce earnings	1.25%	—	1.25%	$641

Sources (3)

All captured Oct 15, 2026

Who can join Public Service Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Anyone who lives or works in Allen County or Huntington County is eligible for membership.

Cost to join

Membership requires opening a savings account with a $5 deposit.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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