Credit union · NCUA insured
Public Service Credit Union Savings Rates
Public Service Credit Union’s best savings rate is 0.20% APY on $10,000, with its Funds Manager Account. Rates checked October 15, 2026.
How Public Service Credit Union’s savings 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
0.20%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $20
Funds Manager Account
Top rate
GreenWay Bank
4.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $425
2nd-highest rate
Flagstar Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
Public Service Credit Union savings score
70
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.20%
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 Public Service Credit Union 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.
Funds Manager Account
0.20%APY
Tiered rate account allowing members to save and earn a higher rate of return. Minimum opening deposit $1,000. Rates subject to change. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Minimum to open: $1,000. | 0.10% | — | Minimum to open: $1,000. |
| $10,000 – $25,000Minimum to open: $1,000. | 0.20% | $20 | Minimum to open: $1,000. |
| $25,000 – $50,000Minimum to open: $1,000. | 0.35% | — | Minimum to open: $1,000. |
| $50,000 – $100,000Minimum to open: $1,000. | 0.60% | — | Minimum to open: $1,000. |
| $100,000 and upMinimum to open: $1,000. | 0.90% | — | Minimum to open: $1,000. |
Round-Up Savings
0.05%APY
Debit card purchases are rounded up to the nearest dollar and transferred from checking to Round Up account daily if extra funds are available. Fees may reduce earnings. Minimum to open: $5. Minimum balance: $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000Minimum balance $5; minimum to open $5. | 0.05% | $5 | Minimum balance $5; minimum to open $5. |
| $100,000 and upMinimum balance $5; minimum to open $5. | 0.10% | — | Minimum balance $5; minimum to open $5. |
Savings
0.05%APY
Share savings account required for membership at PSCU. Fees may reduce earnings. Minimum to open: $5. Minimum balance: $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000Minimum balance $5; minimum to open $5. | 0.05% | $5 | Minimum balance $5; minimum to open $5. |
| $100,000 and upMinimum balance $5; minimum to open $5. | 0.10% | — | Minimum balance $5; minimum to open $5. |
Special-purpose accounts
Coverdell ESA
0.20%APY
Coverdell Educational Savings Account allows parents to save for educational expenses with tax benefits. Minimum to open: $100. Minimum balance: $100. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum to open: $100; Minimum balance: $100.$100 and up | 0.20% | $20 | Minimum to open: $100; Minimum balance: $100. |
Traditional & Roth IRA
0.20%APY
Traditional and Roth IRA savings. Minimum to open: $100. Minimum balance: $100. Fees may reduce earnings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum to open: $100; Minimum balance: $100.$100 and up | 0.20% | $20 | Minimum to open: $100; Minimum balance: $100. |
Club Accounts
0.05%APY
Club accounts share the Savings, Round-Up, & Club Accounts rate schedule. Fees may reduce earnings. Minimum to open: $5. Minimum balance: $5.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $100,000Minimum balance $5; minimum to open $5. | 0.05% | $5 | Minimum balance $5; minimum to open $5. |
| $100,000 and upMinimum balance $5; minimum to open $5. | 0.10% | — | Minimum balance $5; minimum to open $5. |
Sources (1)
- mypscu.com/pscu-savings-rates · captured Oct 5, 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.