Transparent rates for your financial decisions.
Discover current PSECU rates across a range of financial products. This includes competitive interest rates for personal, auto, and mortgage loans, designed to help members achieve financial goals. Also, explore attractive earning rates for savings, checking, and certificate accounts to grow your deposits effectively with PSECU.
Understanding current loan rates is crucial when planning to borrow. At PSECU, we provide transparent and competitive interest rates across our lending products, enabling you to make informed financial decisions. Whether you're looking to finance a major purchase or manage existing debt, our rates are designed to offer value and affordability.
Our loan rates are regularly reviewed and updated to reflect market conditions, ensuring that PSECU members always have access to favorable terms. We believe in providing clear information so you can confidently choose the loan product that best fits your individual circumstances. This page details the current annual percentage rates (APRs) for various loan types, helping you compare and plan effectively.
PSECU's personal loan rates offer a straightforward solution for a variety of financial requirements. These rates are designed to provide access to funds for purposes like debt consolidation, unexpected expenses, or funding a specific project. We aim to keep our personal loan rates competitive, making borrowing an accessible option for our members.
The specific interest rate you receive for a personal loan can depend on factors such as your creditworthiness and the loan term. We encourage members to review the current rates listed on this page to understand their borrowing potential. Our goal is to provide clear, easy-to-understand rate information so you can confidently plan your finances with PSECU.
When purchasing a new or used vehicle, securing a competitive auto loan rate can significantly impact your monthly payments and overall cost. PSECU's auto loan rates are structured to provide excellent value, helping you make your next car purchase more affordable. We offer different rates based on the vehicle's age (new vs. used) and the loan term.
The Federal Reserve Board provides data on average interest rates for new car loans, which can be a useful benchmark when comparing PSECU's competitive offerings. Knowing the current market landscape helps you appreciate the value we deliver.
Our commitment is to offer rates that make vehicle ownership attainable for our members. Review the current auto loan APRs below to see how PSECU can help you get behind the wheel of your desired car without breaking your budget. You’ll find options for both new and used vehicles, ensuring flexibility for your specific needs.
Navigating the housing market requires up-to-date information, especially regarding mortgage rates. PSECU's mortgage rates are designed to support your journey to homeownership, whether you're buying your first home, moving to a new one, or considering refinancing your current mortgage. We provide a range of options with competitive interest rates to suit various financial situations and goals.
Understanding the current mortgage landscape is essential. Our rates are regularly updated to reflect market changes, ensuring you have access to timely and relevant information. Factors such as loan type (fixed-rate, adjustable-rate), loan term, and your credit profile will influence the specific rate you qualify for. We also offer options for both purchase and refinance mortgages, allowing flexibility for your home financing needs.
Making your money work harder is a key component of sound financial planning. PSECU's deposit account rates are designed to help you grow your savings with confidence. We offer attractive interest rates on various deposit products, including savings accounts, checking accounts, and certificates, providing options for both short-term liquidity and long-term growth.
Our commitment is to provide transparent rate information so you can easily see how your deposits can earn. We understand that different financial goals require different savings strategies, which is why we offer a spectrum of accounts with varying rates and terms. Regularly checking our current rates ensures you're always making the most informed decisions for your financial future.
Even your everyday banking accounts can contribute to your financial growth. PSECU's savings and checking account rates are structured to provide earning potential on your balances. While checking accounts typically offer lower rates due to their transactional nature, our savings accounts are designed to help you accumulate funds more effectively.
We encourage members to review the current rates for both savings and checking accounts to understand how their daily balances can earn. These rates are subject to change, so staying updated ensures you're maximizing your earning potential with PSECU.
For those looking to secure higher returns on their savings over a defined period, PSECU's certificate rates offer an excellent option. Certificates, often known as Certificates of Deposit (CDs), provide a guaranteed way to grow your money with a fixed interest rate for a specific term. This predictability makes them ideal for reaching specific financial milestones without market volatility.
We offer a variety of certificate terms, ranging from short-term to long-term, allowing you to choose the option that best aligns with your financial timeline. The longer the term, generally, the higher the interest rate you can expect. Our current certificate rates are competitive, reflecting our commitment to helping members achieve their savings goals. For information on deposit insurance, you can refer to the National Credit Union Administration (NCUA) website, which insures credit union deposits.
| Product Type | Minimum Balance to Earn APY | Current APY* | Term / Details |
|---|---|---|---|
| Share Savings Account | $5.00 | 0.10% | Variable Rate |
| Checking Account | $0.01 | 0.05% | Variable Rate |
| Certificate (6-Month) | $500 | 1.50% | Fixed Rate |
| Certificate (12-Month) | $500 | 2.00% | Fixed Rate |
| Certificate (24-Month) | $500 | 2.25% | Fixed Rate |
| Personal Loan | N/A | Starting at 7.99% APR** | Up to 60 Months |
| New Auto Loan | N/A | Starting at 5.49% APR** | Up to 72 Months |
| Used Auto Loan | N/A | Starting at 5.99% APR** | Up to 60 Months |
| 30-Year Fixed Mortgage | N/A | Starting at 6.875% APR*** | Purchase/Refinance |
PSECU loan and deposit account rates are subject to change based on market conditions, economic indicators, and internal policy adjustments. Loan rates, especially for mortgages, can change daily, while deposit rates are typically reviewed and updated less frequently but can still fluctuate. We recommend checking this page regularly for the most current information.
APY stands for Annual Percentage Yield and is primarily used for deposit accounts (savings, certificates). It reflects the total amount of interest earned on a deposit account over a year, considering the effect of compounding interest. APR stands for Annual Percentage Rate and is used for loans. It represents the annual cost of borrowing, including the interest rate and certain fees, but does not account for compounding within the year.
Yes, PSECU offers options to lock in your mortgage rate for a certain period during the application process. Rate locks protect you from market fluctuations while your loan is being processed. The specific terms and duration of a rate lock will be discussed with you by a PSECU mortgage specialist during your application.
PSECU certificate rates are fixed for the entire term of the certificate. This means that once you open a certificate, your interest rate will not change, providing a predictable return on your savings. This differs from savings and checking account rates, which are typically variable and can change over time.
The best PSECU loan rates are generally offered to applicants with excellent credit histories, lower debt-to-income ratios, and potentially shorter loan terms. Maintaining a strong credit score, managing existing debt responsibly, and making timely payments on all your obligations can help you qualify for more favorable interest rates on loans from PSECU.
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