Rates updated August 7th, 2023
| PSCU Share Certificate Specials | Minimum to Open | APY* |
Share Certificates of Deposit
| |
| 11 months with 50% new money | $1000 | 4.90% |
| 11 months | $1000 | 4.70% |
Restrictions: Share certificates of deposit pay on a 365 basis. $1000 minimum to open Share Certificates of deposit; Penalty for early withdrawal; All certificates can be IRA certificates. Cannot use Loyalty Points in combination with this special to increase rate. Limited time offer. New Money Specials must be funded with at least 50% new money not on deposit with Public Service CU. See Credit Union for details. Insured by NCUA.
| 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 | 0.50% |
| $100,000 and Up | 0.60% |
Checking Accounts
| |
| Smart Checking Meeting Criteria- $.01-$10,000 | 2.00% |
| Smart Checking Meeting Criteria-Over $10,000 | 0.15% |
| Smart Checking Balances that don't meet the criteria | 0.03% |
| 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. 3 criteria needed for smart checking-receive e-statements; have one ACH deposit or withdrawal each calendar month; have 10 debit card transactions clear as signature based transaction each calendar month.
| Share or IRA Certificates of Deposit | Minimum to Open | APY* |
Share Certificates of Deposit
| |
| 3 months | $1000 | 0.50% |
| 6 months | $1000 | 0.70% |
| 12 months | $1000 | 1.07% |
| 18 months | $1000 | 1.20% |
| 24 months | $1000 | 1.50% |
| 30 months | $1000 | 1.30% |
| 36 months | $1000 | 1.50% |
| 48 months | $1000 | 1.50% |
| 60 months | $1000 | 1.50% |
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 and are posted at the end of the month with no compounding. *Deposits federally insured up to $250,000 by the National Credit Union Administration (NCUA) and an additional $250,000 by Excess Share Insurance (ESI).
