Rates updated October 7th, 2026
| LIMITED TIME ONLY Certificate Specials | Minimum | Maximum | APY* |
Share & Payroll Certificates of Deposit
| (Open Online October 15-19) | |
| 13 month- Share Certificate | $1000 | $25,000 | 4.60% |
| 11 month- Payroll Certificate | $20 | $20 | 6.00% |
Funding your Payroll Certificate is simple: set up an ACH distribution on your existing direct deposit in online or mobile banking. Maximum deposits are $200 monthly, $100 bi-weekly, or $50 weekly.
*APY = Annual Percentage Yield. 13 Month Share Certificate Rate (4.60% APY): $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. 11 Month Payroll Certificate (6.00% APY): $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. Offer Details: Must be opened in online or mobile banking between Oct 15th-19th, 2026 at 8:00 AM EST. Limit one Share Certificate and one Payroll Certificate per member (SSN), if more than one is opened, it will be closed and funds returned to the account it came from. Dividends calculated daily, paid monthly. Rates subject to change. Cannot use Loyalty Points or other offers in combination with these specials. Deposits insured up to $250,000 by NCUA and an additional $250,000 by Excess Share Insurance (ESI). Contact PSCU for complete details.
| PSCU Share Certificate Specials | Minimum | Maximum | APY* |
Share Certificates of Deposit
| | |
| 7 month | $1000 | n/a | 4.25% |
*APY=Annual Percentage Yield. Rates as of 10/7/26. Cannot use Loyalty Points or other offers in combination with these specials. All certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings. All certificates can be IRA certificates. Payroll Certificates: 5 month certificate can be Payroll certificate; Minimum/maximum $20 to open; Maximum contribution $200/month.
| PSCU Payroll Certificate Specials | Minimum | Maximum | APY* |
Share Certificates of Deposit
| | |
| 11 month | $20 | $20 | 5.00% |
*APY = Annual Percentage Yield. Rates as of 10/7/26. $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.
| Accounts | APY* |
Savings, Round-Up, & 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% |
*APY=Annual Percentage Yield. Rates as of 8/31/26. Rates subject to change. Minimum to open: Savings- $5; Funds Manager- $1,000; IRA- $100. Minimum balance: Savings- $5; IRA- $100. Fees may reduce earnings.
| 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% |
*APY=Annual Percentage Yield. Rates as of 8/31/2026. In order to earn dividends at the disclosed rate, during each dividend period You must: (a) make at least one direct deposit to, or ACH debit from, Your Account; and (b) make 10 or more debit card purchases using Your Debit Card (that post and clear Your Account as evidenced by Your monthly statement); and (c) consent to receive Your periodic statements electronically. Rates subject to change. Fees may reduce earnings.
| 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% |
*APY=Annual Percentage Yield. Rates as of 8/31/26. In order to earn dividends at the disclosed rate, during each dividend period You must: (a) make at least 1 direct deposit totaling $1000 or more per month; and (b) make 20 or more debit card purchases using Your Debit Card (that post and clear Your Account as evidenced by Your monthly statement); (c) consent to receive Your periodic statements electronically; and (d) login to Your It’sMe247 Online Banking or MYPSCU Mobile App at least one time(s) per month. Rates subject to change. Fees may reduce earnings.
| 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% |
*APY=Annual Percentage Yield. Rates as of 8/31/26. All certificates can be IRA certificates. Penalty for early withdrawal. Fees may reduce earnings. Payroll Certificates: 3-12 month certificates can be Payroll Certificates; Minimum $20 minimum to open; Penalty for early withdrawal. Fees may reduce earnings.
