Refer Friends + Earn Up To $500*
Sharing PSECU with friends has never been so rewarding. Refer your friends and family and earn up to $500!

Refer a Friend
  • Digital-First with a human touch
  • Real-time access from anywhere
  • Fewer fees and more benefits

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Exclusive Offers

Balance Transfers

Conquer Your Debt

Move a balance to our Classic Card and get 2.90% 3 Visa® balance transfer APR, good through 12/31/26, on transfers made between 7/1/25 - 9/30/25. After that, your APR will be a low 12.90% 3 (subject to change).
Certificates

Now’s the Time to Open a Certificate

Open with as little as $5002!

For a limited time, you can now earn 4.20% APY* on 6-month certificates.

Home Equity

Your Equity, Your Way

Home Equity Loans + Lines of Credit

Put the value of your home to work for you with great home equity products from PSECU, including loans and lines of credit. Enjoy competitive rates, low monthly payments, repayment terms up to 20 years, no PSECU application fees, and an easy application process.

BONUS: HELOC Flex and HELOC Plus intro rate of 4.99% APR* on variable-rate advances for the first 6 months.

Balance Transfers

Conquer Your Debt

Move a balance to our Classic Card and get 2.90% 3 Visa® balance transfer APR, good through 12/31/26, on transfers made between 7/1/25 - 9/30/25. After that, your APR will be a low 12.90% 3 (subject to change).
Certificates

Now’s the Time to Open a Certificate

Open with as little as $5002!

For a limited time, you can now earn 4.20% APY* on 6-month certificates.

Home Equity

Your Equity, Your Way

Home Equity Loans + Lines of Credit

Put the value of your home to work for you with great home equity products from PSECU, including loans and lines of credit. Enjoy competitive rates, low monthly payments, repayment terms up to 20 years, no PSECU application fees, and an easy application process.

BONUS: HELOC Flex and HELOC Plus intro rate of 4.99% APR* on variable-rate advances for the first 6 months.

Balance Transfers

Conquer Your Debt

Move a balance to our Classic Card and get 2.90% 3 Visa® balance transfer APR, good through 12/31/26, on transfers made between 7/1/25 - 9/30/25. After that, your APR will be a low 12.90% 3 (subject to change).
Certificates

Now’s the Time to Open a Certificate

Open with as little as $5002!

For a limited time, you can now earn 4.20% APY* on 6-month certificates.

Home Equity

Your Equity, Your Way

Home Equity Loans + Lines of Credit

Put the value of your home to work for you with great home equity products from PSECU, including loans and lines of credit. Enjoy competitive rates, low monthly payments, repayment terms up to 20 years, no PSECU application fees, and an easy application process.

BONUS: HELOC Flex and HELOC Plus intro rate of 4.99% APR* on variable-rate advances for the first 6 months.

What makes us different

We're different than a bank. We're a full-service, digital-first credit union. And as a credit union, we're member-owned and not-for-profit, which means fewer fees and more benefits for you. Our members have access to these perks every day, and after our quick application process, you could, too:

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  • We make our members feel valued, cared for, supported, and empowered to take control of their finances and dreams. Our sophisticated online and mobile banking platforms put you in control, so you can manage your money whenever, wherever you want. Plus, you can get 24/7 assistance via chat, send us a secure message in digital banking, or contact us via phone. 

Check Out Our Products & Services

At PSECU, we're proud to offer you services that help you with your unique financial needs. After all, it’s what we do best. Explore the ways you can grow your relationship with us.

View All Member Services
PSECU-Website-Homepage-Services-Savings

Savings Accounts

Every PSECU membership starts with a dividend-earning savings account requiring only $5 to establish and maintain.
Grandfather, Father, and Son fishing on a sunny afternoon

Checking Accounts

Access your money wherever, whenever via a free checking account with no minimum balance or monthly service fee.
Young woman in a headscarf smiling in her car

Auto Loans

With low auto loan rates, flexible terms, and fast approval, we make it easy to get the new or used ride you want.
PSECU-Website-Homepage-Card-Comparison

Credit Cards

Choose from cards offering low interest rates on purchases and cash advances or cash rewards with no earnings limits.
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Mortgages

Apply for prequalification (even if you're 
not a PSECU member yet) to capitalize on competitive PA mortgage options.
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Personal Loans

Explore convenient and affordable ways to borrow money and get quick access to the cash you need, when you need it.
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Certificates

Whether you're investing for the short or long term, we have a certificate to help you reach your financial goals.
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Individual Retirement Accounts (IRAs)

Plan for the future with retirement and education savings accounts and certificates federally insured up to $250,000.
PSECU-Website-Debt-Consolidation-Services-2-Home-Equity-Loans-1

Home Equity

Get the cash you need now and the peace of mind you'll want later with our home equity products.
PSECU-Website-Homepage-Services-Savings

Savings Accounts

Every PSECU membership starts with a dividend-earning savings account requiring only $5 to establish and maintain.
Grandfather, Father, and Son fishing on a sunny afternoon

Checking Accounts

Access your money wherever, whenever via a free checking account with no minimum balance or monthly service fee.
Young woman in a headscarf smiling in her car

Auto Loans

With low auto loan rates, flexible terms, and fast approval, we make it easy to get the new or used ride you want.
PSECU-Website-Homepage-Card-Comparison

Credit Cards

Choose from cards offering low interest rates on purchases and cash advances or cash rewards with no earnings limits.
A young girl carrying a moving box into a house

Mortgages

Apply for prequalification (even if you're 
not a PSECU member yet) to capitalize on competitive PA mortgage options.
A couple cooking dinner together

Personal Loans

Explore convenient and affordable ways to borrow money and get quick access to the cash you need, when you need it.
A couple walking their dog

Certificates

Whether you're investing for the short or long term, we have a certificate to help you reach your financial goals.
A man with white hair holding a tennis racket and laughing

Individual Retirement Accounts (IRAs)

Plan for the future with retirement and education savings accounts and certificates federally insured up to $250,000.
PSECU-Website-Debt-Consolidation-Services-2-Home-Equity-Loans-1

Home Equity

Get the cash you need now and the peace of mind you'll want later with our home equity products.

Trusted banking

We've been helping members reach their financial goals since 1934.

Membership = Confidence
You work hard for your money. We work hard to help you take care of it. As a not-for-profit credit union, we work for our member-owners instead of corporate stockholders, and we've been doing so successfully for 85+ years. You can feel good about banking with us because we're here for you for the long haul.
How We Serve Our Members
Membership = Guidance
Our money management tips, financial education program, and digital banking know-how allow you to bank confidently, knowing you're making the best money decisions for you and your family.
View Resources
Membership = Perks
Gotchas like hidden fees aren’t our thing. Instead, we’re into gimmes like free checking and surcharge-free ATMs plus rebates1, as well as little extras you’ll put to good use - like a free credit score service2 and discounts on TurboTax®, SimpliSafe™, and more.
View All Member Services
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Hear From Our Members
"At PSECU, I consistently feel able to control my funds. Cash is easily moved between accounts. Rates are fairly competitive compared to major bank institutions, and customer support is easily accessible."
Lashawn C., PSECU Member

Browse Our Latest Resources

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Moving & Transferring Your Money with PSECU
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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member

*Only current PSECU members with general membership or tentative trust accounts who are 18 years of age or older and in good standing as defined in the PSECU Bylaws are eligible to participate. Joint owners are not eligible to participate. Referrers must visit refer.psecu.com and follow the on-screen instructions to refer friends, family members or colleagues (“Friends”). Referrers will be provided with a Personal Link that allows the Referrer to refer Friends for PSECU membership. Referrers and Friends who open accounts and/or loans by fraudulent, suspicious, or illegal means, including but not limited to providing PSECU with fraudulent or fabricated information, are not eligible to participate. Referrers are not permitted to share their Personal Link via YouTube or Reddit. Any Friend that comes into the referral system through YouTube or Reddit will not be a valid, eligible referral under this Program. A referral for a Friend coming through YouTube or Reddit will be declined and the Referrer will not receive the referral bonus for that Friend referral. If PSECU discovers that a Referrer posted the Personal Link on YouTube or Reddit, that Referrer is ineligible to participate in this Program. Referrers are limited to sharing their Personal Link up to 25 times within a 7-day period. There is an overall referral bonus cap of $500 paid out per member per year regardless of the referral program(s) or referral bonus offer(s) participated in by a PSECU member in a calendar year. Under this referral program, the referring member will receive $50 deposited into their Regular share up to the overall referral bonus cap of $500. A valid referral requires an individual who:

Meets PSECU’s membership requirements and be at least 18 years of age at the time the PSECU general membership application is completed;

Completes the PSECU application for a general membership account by accessing it through the referring member’s Personal Link and follows the on-screen instructions; and Is approved for PSECU membership.

This referral program is subject to change without notice and may end at any time. Click here for complete terms and conditions.

1If you use a PSECU debit card at an out-of-network ATM and get charged, we'll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without.

2PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.