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. Visit one of our 28 local branches for more information on any of our financial products or rates.

View Deposit Rates | View Loan Rates

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 Product APY GET IT TODAY
 17-Month CD^
 (Minimum $1,000 to open.)
1.50%
 48-Month Indexed IRA CD^
 (Minimum $2,500 to open, APY=3-year UST rate, and 1.25% APY floor.)
2.39%**
 †Annual Percentage Yield (APY) is subject to change at any time.
 ^Early Withdrawal penalties apply to CDs and IRAs. See disclosure for details.
**3-year UST rate equals 3-year U.S. Treasury Daily Treasury Yield Curve Rate published for the last day of the  preceding quarter. 

Deposit Rates

Rates current as of  January 1, 2018 

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%
17-Month CD
(Minimum $1,000 to open.)
1.50%
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.)
1.95%
Classic (Secured) Credit Card CD* 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%
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%
48-Month IRA CD
(Minimum $2,500 to open.) 
1.35%
60 Month IRA CD
(Minimum $2,500 to open.)
2.05%
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%
SAVINGS ACCOUNTS
Product APY
Savings Account
(Minimum $5 to open.)
0.10%
Reverse Tier Savings Account
(First $5,000 must be funds not currently on deposit at PSCU)
  $0-$2,000 3.25%
  $2,000.01-$5,000 3.25-2.20%
  $5,000.01-$10,000 2.20-1.48%
  $10,000.01-$50,000 1.48-0.61%
  $50,000.01 or more 0.61-0.30%
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%
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.

Loan Rates

Rates current as of January 1, 2018

NEW & USED VEHICLE LOANS
Collateral Terms/Conditions Best Rate
Car, Truck, SUV New or used 3.64%1
Motorcycle New or used 5.00%2
RV, Boat & Other Watercraft, ATV New or used 5.24%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%
CD Secured Loan CD Rate + 2.00%
CREDIT CARDS
Product Best Rate
Platinum Elite MasterCard® 8.49%
Platinum Elite Rewards MasterCard 12.49%
Classic MasterCard 18.49%
Business MasterCard 12.49%
FIRST MORTGAGE LOANS
Visit our online mortgage center 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 5.14%
†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.
1 Lowest rate available is 3.39% 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.
2 Lowest rate available is 5.00% 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.
3 Lowest 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.
4 Rate 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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