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  • Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

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        Check out PSECU's approach to overdraft services and fees
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        Learn how you can increase your savings with greater dividends
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        Check out this six-step guide to start reaping tax benefits
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        Get tips on how to spot savings in your insurance coverage
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      • Earn $300*!
        Open a new member account with PSECU and you can earn $300* in bonus cash when you meet promo requirements!
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        We’re not just about finances - we’re about making an impact.
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  • Checking & Savings
      • Checking Accounts
      • Savings Accounts
      • Money Market Accounts
      • Certificates
      • Individual Retirement Accounts (IRAs)
      • For College Students
      • For Teens & Parents
      • For Youth & Parents
      • For Businesses
      • Calculators
        Estimate payments, set savings goals and more
      • Overdraft Services
        Check out PSECU's approach to overdraft services and fees
      • Understanding Money Market Accounts
        Learn how you can increase your savings with greater dividends
    Explore Our Rates

    See today's checking, savings, certificate and individual retirement account (IRA) interest rates

    Have questions? Browse our FAQs
  • Credit Cards
      • Classic Card
      • Founder's Rewards Card
      • Penn State Alumni Cards
      • Secured Visa® Card
      • Business Credit Cards
      • Balance Transfers
      • Card Comparison Guide
      • Calculators
        Estimate payments, set savings goals and more
      • Dispute a Credit Charge
        Report unauthorized transactions on your card
      • Is a Balance Transfer Right for Me?
        Find out how consolidating can simplify your finances
    Explore Our Rates

    See today’s credit card rates

    Have questions? Browse our FAQs
  • Loans
      • Mortgages
      • Home Equity
      • Auto Loans
      • Recreational Vehicles
      • Personal Loans
      • Student Loans
      • Business Loans
      • Calculators
        Estimate payments, set savings goals and more
      • Paying Your Loan
        See your loan payment options
      • Debt Consolidation
        Save money, simplify your budget and reduce stress
    Explore Our Rates

    See today’s auto loan, home equity product, mortgage, and personal loan rates

    Have questions? Browse our FAQs
  • Investing & Insurance
      • Investing
      • Insurance
      • Auto Warranty
      • Medicare Insurance
      • Estate Planning
      • Set Up a Free IRA in Pennsylvania
        Check out this six-step guide to start reaping tax benefits
      • Missing Out on Insurance Savings?
        Get tips on how to spot savings in your insurance coverage
    Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
  • About PSECU
      • What's Digital-First Banking?
      • How We Serve Our Members
      • All Member Services
      • Earn $300*!
        Open a new member account with PSECU and you can earn $300* in bonus cash when you meet promo requirements!
      • New Member Support
        Get the guidance you need to take control of your account
      • PSECU in the Community
        We’re not just about finances - we’re about making an impact.
    Become a Member

    Explore PSECU member benefits and learn about eligibility

    Have questions? Browse our FAQs
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Routine maintenance is scheduled for 12 AM, Sunday March 16, 2025, and will take several hours to complete. During this timeframe, members will not be able to access digital banking, membership or loan applications, or our call center IVR menu. We apologize for any inconvenience.
We apologize for the inconvenience, but our application for membership is currently unavailable. We are currently working to resolve the issue.
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  1. Home
  2. How We Serve Our Members

Our Story

We’re different than a bank. We’re a not-for-profit credit union that’s been focused on the mission of helping our members and community achieve more for over 90 years.

Become Part of Our Story

People Helping People

When you open an account with us, you become part of an organization rooted in serving the greater good through:

Employees in the Community
We encourage and offer avenues for employees to volunteer their time at local nonprofits that are meaningful to them and impactful for our community. 
Free Financial Wellness Resources
Our financial wellness resources are available at no charge to members and nonmembers alike. Articles, infographics, videos, self-guided courses, and more are available to match your preferred learning style.
Non-Profit Support
We support charitable organizations across Pennsylvania that align with our four pillars of giving: Children, Education, Environment, and Well-being.

Our employees also work with schools and Select Employee Groups to help educate their students and staff.

Take Charge of Your Financial Future
Learn About Money Management
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Affordable Financial Products & Services

At PSECU, we're proud to offer you products and 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-Our-Story-Our-Services-Checking-Account

Free Checking

Checking accounts with no minimum balance requirements

PSECU-Website-Our-Story-Our-Services-Credit-Cards

Competitive Credit Card Rates

Credit card rates well below the national average

PSECU-Website-Our-Story-Our-Services-First-Time-Homebuyer-1

First-Time Homebuyer Perks

First-Time Homebuyer mortgage* offering up to 100% financing

PSECU-Website-Our-Story-Our-Services-Certificates

Certificates to Build Your Savings

Certificates that earn the advertised rate with as little as $500

PSECU-Website-Our-Story-Our-Services-Secured-Credit-Card-1

A Card to Build Your Credit

A Secured Visa® credit card to help you rebuild or establish credit

PSECU-Website-All-Member-Services-Header

Fewer Fees and More Benefits

No- or low-fee products and services

PSECU-Website-Join-Us-Tab-Table-2-Savings-2

Easy-Entry Savings Account

$5 minimum balance requirement to open your Regular savings share

PSECU-Website-Our-Story-Our-Services-Overdraft-Protection-Services-1

Overdraft Protection

No-fee Overdraft Protection Transfer Service

adult and child embracing happily

Savings Accounts

Every PSECU membership starts with a dividend-earning savings account requiring only $5 to establish and maintain.

PSECU-Website-Our-Story-Our-Services-Checking-Account

Free Checking

Checking accounts with no minimum balance requirements

PSECU-Website-Our-Story-Our-Services-Credit-Cards

Competitive Credit Card Rates

Credit card rates well below the national average

PSECU-Website-Our-Story-Our-Services-First-Time-Homebuyer-1

First-Time Homebuyer Perks

First-Time Homebuyer mortgage* offering up to 100% financing

PSECU-Website-Our-Story-Our-Services-Certificates

Certificates to Build Your Savings

Certificates that earn the advertised rate with as little as $500

PSECU-Website-Our-Story-Our-Services-Secured-Credit-Card-1

A Card to Build Your Credit

A Secured Visa® credit card to help you rebuild or establish credit

PSECU-Website-All-Member-Services-Header

Fewer Fees and More Benefits

No- or low-fee products and services

PSECU-Website-Join-Us-Tab-Table-2-Savings-2

Easy-Entry Savings Account

$5 minimum balance requirement to open your Regular savings share

PSECU-Website-Our-Story-Our-Services-Overdraft-Protection-Services-1

Overdraft Protection

No-fee Overdraft Protection Transfer Service

adult and child embracing happily

Savings Accounts

Every PSECU membership starts with a dividend-earning savings account requiring only $5 to establish and maintain.

PSECU-Website-Our-Story-Scholarships

The PSECU Scholarship

Our scholarship program helps graduating high school seniors reduce the financial burden of pursuing postsecondary education. Since 1997, we’ve disbursed more than $750,000 in scholarship funds through this program, helping 150+ students embark on higher education and begin their careers. Get the full details and meet our current scholarship recipients.

Our Founders' Legacy

Our founders opened PSECU in 1934 with a simple idea. By pooling their money and working together, they could provide better lives for their families. For over 90 years, that idea is still at our core.

The Need
Our 22 founders were state workers, struggling against low wages and a high cost of living. They were living paycheck to paycheck. Banks didn’t want to lend them money, and loan sharks were charging as much as 40% interest. 
The Solution
They had little control over their financial lives — until they came together to form a credit union. They called it the Pennsylvania State Employees Credit Union, or PSECU.
The Legacy Continues
Although we’ve grown to include more groups than just state employees and now have more than 595,000 members, we continue to uphold our founders’ legacy. Then and now, we want to help you live better, whether that means saving more money, paying down debt, or achieving your family’s goals. And we do this all with a focus on security and convenience as a leading digital-first financial institution.
PSECU-Website-Our-Story-Geometric-1

If you’re already a member, we’re glad you’re here. If you’re considering joining, we welcome you to be a part of our story. 

Our Mission, Vision, and Beliefs

The promises we make to our members are simple, yet they’re values you can’t always find in the world of banking. 

Our Mission
As a member-owned credit union, we provide lifelong value to our members, communities, and employees.
Our Vision
To be your trusted and preferred financial partner.
Our Beliefs
Adhere to the utmost ethical standards while delivering outstanding service.
PSECU-Website-Our-Story-Trusted-Partner
Let Us Be Your Trusted Partner

At PSECU, it is our desire that members come to recognize us as a fully trusted partner in serving their financial needs. To achieve this goal, we are dedicated to adhering to the utmost ethical standards when conducting business with our members, employees, business partners, etc. It is the obligation and expectation of all officials and employees to know, understand, and follow our code of ethics policy.

We are committed to providing outstanding service to our members and potential members on a daily basis. It is our belief that outstanding service evolves from certain value elements such as reliability, convenience, accessibility, trust, confidentiality, and a range of services that address members' needs.

PSECU members will see our integrity, trust us, and know that it is their best interests we serve. We communicate to each member, through our actions, products, and services, that they are valued, and that their satisfaction is of foremost importance to us.

We have established a credit union environment that defines our organization and our daily interactions. It is important for PSECU employees to conduct themselves with integrity and adhere to our corporate values. We pride ourselves on the exceptional commitment our employees demonstrate daily through the exercise of our core principles.

Meet Our Board of Directors

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Become Part of Our Story

Because credit unions are financial cooperatives, joining PSECU means not only strengthening your own financial foundation, but also helping your neighbors and community thrive.

Open an Account
*Additional options for first-time homebuyer products/terms available. PMI may be required. Contact one of our mortgage consultants to find out which one is right for you.
Need to talk to us directly?
800.237.7328
Routing #: 231381116
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