Rates


Because Public Service Credit Union is a not-for-profit financial cooperative, owned and controlled by our members, we can offer far more favorable rates than most other financial institutions. Instead of putting profits into the pockets of a few shareholders, PSCU returns earnings to all members in the form of higher savings rates and lower rates on loans. Click to view Deposit Rates or Loan Rates. Visit one of our 28 local branches for more information on any of our financial products or rates.

Deposit Rates

Rates current as of  August 1, 2017

SAVINGS ACCOUNTS
Product APY
Savings Account (Minimum $5 to open.)
0.10%
Holiday Account
0.05%
Personalized Share Account
0.10%
Health Savings Account
$0-$9,999.99
0.10%
$10,000-$24,999.99
0.15%
$25,000-$49,999.99
0.20%
$50,000-$99,999.99
0.30%
$100,000 or more
0.50%
CHECKING ACCOUNTS
Product APY
Mobile Checking (Minimum $50 to open.)
0.00%
Free Checking (Minimum $50 to open.)
0.00%
Interest Checking
(Minimum $500 deposit to open. Minimum $500 balance to avoid monthly service fee.)
$500-$9,999.99
0.05%
$10,000-$24,999.99
0.10%
$25,000 or more
0.15%
MONEY MARKET ACCOUNTS
Product APY
Money Market
(Minimum $1,000 deposit to open. Minimum $1,000 balance to avoid monthly service fee.)
$1,000 or more
0.15%
Money Market Plus
(Minimum $10,000 deposit to open. Minimum $10,000 balance to avoid monthly service fee.)
$10,000-$24,999.99
0.20%
$25,000-$49,999.99
0.25%
$50,000-$99,999.99
0.35%
$100,000 or more
0.45%
CERTIFICATES OF DEPOSIT (CDs)^
Product APY
6 Month CD (Minimum $1,000 to open.)
0.20%
12 Month CD (Minimum $1,000 to open.)
0.50%
18 Month CD (Minimum $1,000 to open.)
0.55%
24 Month CD (Minimum $1,000 to open.)
0.70%
36 Month CD (Minimum $1,000 to open.)
0.95%
48 Month CD (Minimum $1,000 to open.)
1.25%
60 Month CD (Minimum $1,000 to open.)
1.50%
Classic (Secured) Credit Card CD* 0.50%
INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)^
Product APY
Quarterly IRA
0.30%
12 Month IRA CD (Minimum $2,500 to open.)
0.60%
18 Month IRA CD (Minimum $2,500 to open.)
0.65%
24 Month IRA CD (Minimum $2,500 to open.)
0.80%
36 Month IRA CD (Minimum $2,500 to open.)
1.00%
60 Month IRA CD (Minimum $2,500 to open.)
1.60%
BUSINESS ACCOUNTS
Product APY
Business Share
(Minimum $5 to open and maintain.)
0.10%
Business Money Market
(Minimum $1,000 deposit to open. Minimum $1,000 balance to avoid monthly service fee.)
$1,000-$9,999.99
0.15%
$10,000-$24,999.99
0.15%
$25,000-$49,999.99
0.20%
$50,000-$99,999.99
0.30%
$100,000 or more
0.40%
Basic Business Checking (Minimum $100 to open.)
0.00%
Premier Business Checking
(Minimum $100 deposit to open. Minimum $3,000 to avoid monthly service fee.)
0.05%
Annual Percentage Yields (APY) are subject to change at any time.
Penalties and fees may apply to savings and checking accounts. See disclosure for details.
^Early Withdrawal penalties apply to CDs and IRAs. See disclosure for details.
*See MasterCard® Classic Card Agreement and Security Agreement for additional terms.
*** Rate expires April 30, 2017 and 30 month CD rolls over to a standard 24 month CD upon maturity.

 

Loan Rates

Rates current as of May 19, 2017

NEW & USED VEHICLE LOANS
Collateral Terms/Conditions Best Rate
Car, Truck, SUV New or used 2.89%1
Motorcycle New or used 4.75%2
RV, Boat & Other Watercraft, ATV New or used 4.99%3
PERSONAL LOANS
Product Terms/Conditions Best Rate
Personal (Signature) Loan 60 months or less 9.99%
Overdraft Line of Credit Minimum monthly payment of 3% of balance or $30, whichever is greater 18.00%
Share Secured Loan Share Rate + 3.00% View rates
CD Secured Loan CD Rate + 2.00% View rates
CREDIT CARDS
Product Best Rate
Platinum Elite MasterCard® 7.74%
Platinum Elite Rewards MasterCard 11.74%
Classic MasterCard 17.74%
Business MasterCard 11.74%
FIRST MORTGAGE LOANS
Click here or call our Mortgage Rate Line for current First Mortgage and Jumbo Loan rates. (303) 639-2230 or (800) 437-7328 ext. 2230
HOME EQUITY LINE OF CREDIT (HELOC)
Product Terms/Conditions APR†^
HELOC4 20 years with a 10-year draw As low as 4.39%
All rates displayed are Annual Percent Rate (APR).  Loan interest rates and terms provided above are only estimates.  Best Rate may vary based on personal credit history, value and condition of the collateral, and other factors and will be provided by Public Service Credit Union upon approval of a completed loan application.  Rates are subject to change without notice. Public Service Credit Union membership is required. 1Lowest rate available is 2.89% APR (Annual Percentage Rate), with approved credit, 63-month term and up to 100% LTV and available discounts applied. Rates and terms are subject to change without notice. Public Service Credit Union membership is required.2Lowest rate available is 4.75% APR (Annual Percentage Rate), with approved credit and up to a 60-month term. Rates and terms are subject to change without notice. Public Service Credit Union membership is required. 3Lowest rate available is 4.99% APR (Annual Percentage Rate), with approved credit. Rates and terms are subject to change without notice. Public Service Credit Union membership is required. 4Rate applies for a maximum loan to value (LTV) of 80%. Under no circumstances will the annual percentage rate go below the floor limit at any time during the term of our loan.^Public Service Credit Union loans tied to prime are calculated on the highest prime rate listed in the WSJ on the last day of the previous month.  When prime adjusts after this date, Public Service Credit Union rates will be adjusted the following month.

 

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