# PSECU (Pennsylvania State Employees Credit Union)

> PSECU is a not-for-profit, member-owned, digital-first credit union founded in
> 1934 and based in Pennsylvania, insured by the NCUA. It offers checking,
> savings, certificates, IRAs, credit cards, and consumer and business loans,
> plus investing and insurance services.

Membership is open to eligible individuals and every membership begins with a $5
dividend-earning savings account. PSECU operates primarily via online and mobile
banking with surcharge-free ATM access rather than a large branch network.
Interest rates and promotional offers change frequently — treat the Rates page as
the source of truth rather than any cached figure.

## Membership & About
- [Become a Member](https://www.psecu.com/join): Eligibility and account-opening process.
- [How We Serve Our Members](https://www.psecu.com/about-psecu/our-story): Mission, history, and member-owned model.
- [What's Digital-First Banking?](https://www.psecu.com/digital): How PSECU's online/mobile model works.
- [All Member Services](https://www.psecu.com/banking/our-banking-services): Overview of products and benefits.

## Checking & Savings
- [Checking Accounts](https://www.psecu.com/banking/checking-accounts): Free checking, no minimum balance or monthly fee.
- [Savings Accounts](https://www.psecu.com/banking/savings-accounts): Dividend-earning share savings; $5 to open.
- [Money Market Accounts](https://www.psecu.com/banking/money-market): Tiered-dividend savings option.
- [Certificates](https://www.psecu.com/banking/certificates): Share certificates for short- and long-term goals.
- [IRAs](https://www.psecu.com/banking/iras): Retirement and education savings accounts and certificates.
- [Teen & Youth Banking](https://www.psecu.com/banking/for-youth-and-parents): Accounts for minors and parents.
- [Student Banking](https://www.psecu.com/banking/for-college-students): Accounts for college students.
- [Business Accounts](https://www.psecu.com/banking/businesses): Deposit accounts for businesses.

## Credit Cards
- [Card Comparison Guide](https://www.psecu.com/credit-cards/choose): Compare all PSECU cards.
- [Classic Card](https://www.psecu.com/credit-cards/classic-card): Low-rate purchase and balance-transfer card.
- [Founder's Rewards Card](https://www.psecu.com/credit-cards/founders-rewards-card): Cash-rewards card.
- [Secured Visa Card](https://www.psecu.com/credit-cards/secured-visa-card): Credit-building secured card.
- [Business Credit Cards](https://www.psecu.com/credit-cards/business-cards): Cards for business use.
- [Balance Transfers](https://www.psecu.com/credit-cards/balance-transfers): Consolidating balances to a PSECU card.

## Loans
- [Auto Loans](https://www.psecu.com/loans/auto-loans): New, used, and refinance vehicle financing.
- [Mortgages](https://www.psecu.com/loans/mortgages): Home purchase loans, incl. first-time-buyer and physician options.
- [Home Equity](https://www.psecu.com/loans/home-equity): Home equity loans and lines of credit (HELOC).
- [Personal Loans](https://www.psecu.com/loans/personal-loans): Unsecured personal financing.
- [Student Loans](https://www.psecu.com/loans/student-loans): Education financing.
- [Business Loans](https://www.psecu.com/loans/business-loans): Financing for businesses.
- [Debt Consolidation](https://www.psecu.com/loans/debt-consolidation): Options for combining debts.

## Investing & Insurance
- [Investing](https://www.psecu.com/investing): Investment and financial-planning services.
- [Insurance](https://www.psecu.com/insurance): Insurance products offered through PSECU.
- [Medicare Insurance](https://www.psecu.com/medicare): Medicare-related insurance options.
- [Estate Planning](https://www.psecu.com/estate-planning): Estate-planning services.

## Rates & Tools
- [Current Rates](https://www.psecu.com/rates): Live deposit, card, and loan rates — authoritative source, subject to change.
- [Calculators](https://www.psecu.com/calculators): Payment, savings, and budgeting calculators.

## Support & Education
- [Support Center](https://www.psecu.com/support): Help with accounts, digital banking, and payments.
- [FAQs](https://www.psecu.com/faqs): Answers to common member questions.
- [Resource Center](https://www.psecu.com/learn): Financial education articles and money-management tips.
- [Contact Us](https://www.psecu.com/contact): Phone, chat, and message options. Member service: 800.237.7328.
- [Find an ATM](https://www.psecu.com/atms): Surcharge-free ATM locator.

## Legal & Compliance
- [Disclosures & Agreements](https://www.psecu.com/disclosures): Account and product disclosures.
- [Privacy](https://www.psecu.com/privacy): Privacy policy.
- [Fraud Prevention](https://www.psecu.com/fraud): Security and fraud-prevention resources.
- [NCUA Insurance](https://www.psecu.com/disclosures/ncua): Federal deposit-insurance information.

## Optional
- [Careers](https://www.psecu.com/careers): Job openings at PSECU.
- [PSECU in the Community](https://www.psecu.com/community): Community involvement.
- [Board of Directors](https://www.psecu.com/about-psecu/board-directors): Governance.
- [Downloadable Forms](https://www.psecu.com/forms): Member forms.