Rates updated May 27th, 2026
| PSCU Share Certificate Specials | Minimum | Maximum | APY* |
Share Certificates of Deposit
| | |
| 11 months | $1000 | n/a | 3.95% |
| 22 months | $1000 | n/a | 3.95% |
Restrictions: Share certificates of deposit pay on a 365 basis. $1000 minimum to open Share Certificates of deposit; Penalty for early withdrawal; $1000 minimum to open Share Certificates of deposit; All certificates can be IRA certificates. Cannot use Loyalty Points or other offers in combination with this special to increase rate. Upon maturity certificates will auto renew at the current rate- 11 month certificate renews for a 12 month term and 22 month certificate renews for a 24 month term.
| Accounts | APY* |
Savings & Club Accounts
|
| $1000 to $99,999.99 | 0.05% |
| $100,000 and Up | 0.10% |
Funds Manager Account
| |
| $1,000 to $9,999.99 | 0.10% |
| $10,000 to $24,999.99 | 0.20% |
| $25,000 to $49,999.99 | 0.35% |
| $50,000 to $99,999.99 | 0.60% |
| $100,000 and Up | 0.90% |
Checking
| |
| Checking 018 | 0.00% |
| IRAs (Individual Retirement Accounts) | |
| Traditional & Roth | 0.20% |
| Coverdell ESA | 0.20% |
Restrictions: $1000 minimum to open Funds Manager. $100 minimum to open IRAs.
| Smart Checking | APY* |
Smart Checking Account
|
| Meeting Criteria- $.01-$10,000 | 2.00% |
| Meeting Criteria-Over $10,000 | 0.15% |
| Balances that don't meet the criteria | 0.03% |
Restrictions: 3 criteria needed for My Smart Checking: receive e-statements; have one ACH deposit or withdrawal each calendar month; have 10 debit card transactions each calendar month.
| Super Smart Checking | APY* |
Super Smart Checking Account
|
| Meeting Criteria- $0.00 - $10,000.00 | 4.00% |
| Meeting Criteria- $10,000.01 - $25,000.00 | 2.00% |
| Meeting Criteria-$25,000.01 & Greater | 0.25% |
| Balances that don't meet the criteria | 0.03% |
Restrictions: 3 criteria needed for Super Smart Checking: receive e-statements; have at least one ACH deposit totaling over $1000 or more per calendar month; have 20 debit card transactions each calendar month.
| Share or IRA Certificates of Deposit | Minimum to Open | APY* |
Share Certificates of Deposit
| |
| 3 months | $1000 | 0.60% |
| 6 months | $1000 | 1.00% |
| 12 months | $1000 | 1.15% |
| 18 months | $1000 | 1.16% |
| 24 months | $1000 | 1.20% |
| 30 months | $1000 | 1.25% |
| 36 months | $1000 | 1.35% |
| 48 months | $1000 | 1.25% |
| 60 months | $1000 | 1.25% |
Restrictions: Share certificates of deposit pay on a 365 basis. $1000 minimum to open Share Certificates of deposit; Penalty for early withdrawal; $20 minimum to open Payroll Certificate; Payroll certificate rates use regular certificate rates to determine payroll certificate rate based on the term of the payroll certificate. All certificates can be IRA certificates.
*APY=Annual Percentage Yield. All rates are subject to change. Fees may reduce earnings. Dividends are computed daily, compounded with each balance change, and are posted on the last day of the month.. *Deposits federally insured up to $250,000 by the National Credit Union Administration (NCUA) and an additional $250,000 by Excess Share Insurance (ESI).
