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Interest and Annual Percentage Rates

Certificate Account Rates

Call (440) 545-5139 for more information!

As of 03/01/2024

TermMinimumRateAPY*
3 Month$500 2.00% 2.02%
6 Month$500 4.75% 4.84%
1 Year$500 5.00% 5.10%
2 Year$500 4.40% 4.50%
3 Year$500 4.15% 4.22%
4 Year$500 4.15% 4.22%
5 Year$500 4.30% 4.37%
IRA 3 Month$500 2.00% 2.02%
IRA 6 Month$500 4.75% 4.84%
IRA 1 Year$500 5.00% 5.10%
IRA 2 Year$500 4.40% 4.50%
IRA 3 Year$500 4.15% 4.22%
IRA 4 Year$500 4.15% 4.22%
IRA 5 Year$500 4.30% 4.37%

*APY = Annual Percentage Yield. Certificate rates remain fixed for the term of the certificate. Dividends are compounded quarterly. A penalty may be imposed for withdrawals before maturity. Rates are subject to change at any time and without notice.

Share Accounts / Special Savings Accounts

Last Dividend Declaration Date: 12/31/2023

MinimumRateAPY*
$0 to $24,999.99 0.05% 0.05%
$25,000 to $99,999.99 0.05% 0.05%
$100,000 + 0.10% 0.10%

*APY = Annual Percentage Yield.

Money Market Accounts

Call (440) 545-5139 for more information!

As of: 06/21/2023

Minimum BalanceDividend RateAPY*
$50 - $9,999 0.40% 0.40%
$10,000 - $24,999 0.75% 0.75%
$25,000 - $49,999 1.00% 1.00%
$50,000 - $99,999 1.50% 1.51%
$100,000 + 2.00% 2.02%

*APY = Annual Percentage Yield.

Christmas Club

Christmas Club Agreement (PDF)

Last Dividend Declaration Date: 11/01/2023

Christmas Club dividends are not declared until the October Board Meeting. Last year Christmas Club dividends paid .05% and are based on the regular share account rate.

MinimumRateAPY*
$0 0.05% 0.05%

*APY = Annual Percentage Yield.

IRA Savings

As of: 11/01/2022

MinimumRateAPY*
$0 0.35% 0.35%

*APY = Annual Percentage Yield.

Checking Accounts

As of: 12/31/2023

Personal

 MinimumRateAPY*
Basic Checking $0 0% 0%
Deluxe Checking $2,000+ 0.05% 0.05%
Renew Checking $2,000+ 0.05% 0.05%
HSA $0 0.35% 0.35%

Business

Organizational CheckingMinimumRateAPY*
$0 - $2,499.99 $0 0% 0%
$2,500+ $2,500 0.05% 0.05%

Small Business CheckingMinimumRateAPY*
$0 - $2,499.99 $0 0% 0%
$2,500+ $2,500 0.05% 0.05%

Commercial CheckingMinimumRateAPY*
$0 – 4,999.99 $0 0% 0%
$5,000+ $5,000+ 0.05% 0.05%

*APY = Annual Percentage Yield.

VISA Products

As of: 11/01/2023

VISADescription
VISA® HELOC"Variable rate of prime + 0%" Call today for current rate. 440-545-5135
VISA® ClassicOur VISA Classic card offers a fixed interest rate of 13.5% APR*, NO annual fee and the Scorecard enhancement package.
VISA® VanillaFor those of us who enjoy the simple things in life, we have the VISA® Vanilla card. The Visa® Vanilla offers a LOW, fixed interest rate of 9.99% APR* and NO annual fee.
VISA® Gift CardsPurchase gift cards in $5.00 increments from $10.00 - $500.00. You decide the amount to give. You can purchase gift cards for only $2.50 each and Platinum Club members pay $1.00 per card. VISA® gift cards are better than cash and so convenient to use!

Loan Rates

As of: 03/01/2024

Apply Now!

LoanDescription
Personal/Signature/Bill Consolidation LoansAnnual Percentage Rate As Low As 10.75% *
New Auto LoansAnnual Percentage Rate As Low As 5.50% **
Used Auto LoansAnnual Percentage Rate As Low As 5.50% **
Motorcycle LoansAnnual Percentage Rate As Low As 7.00% ****
Boat and RV LoansAnnual Percentage Rate As Low As 7.25% *****
Snowmobile/ATV/Jet Ski LoansAnnual Percentage Rate As Low As 9.00% *
MortgageFor more information on mortgages, please call Mortgage Center at 800-353-4449
Home Equity LoansRates As Low As 5.99% APR ***
View our Home Equity Loan Options >
Home Improvement LoanAnnual Percentage Rate As Low As 9.25% ******

*All rates subject to change at any time and without notice and vary based on credit worthiness, qualifications, terms and collateral conditions. All loans subject to approval.

**Annual Percentage Rate. The 5.50% rate quoted is based on a credit score of 720+ for 24 months and is our best rate, rates may increase by as much as 12.50% depending on credit worthiness. Rate includes a .25% discount for having payroll deposit or electronic payment. Additional terms and rates are available, new money only. This is a limited time offer, loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply. This promotion cannot be combined with any other loan discounts.

***Annual Percentage Rate (APR) shown is accurate as of 03/01/2024 and is available to well-qualified borrowers for a term up to 60 months and a loan-to-value (LTV) of 80% or less. Rate includes a .25% discount for having direct deposit and enrollment in online banking and e-statements. Not available for the refinance of an existing PSE Credit Union loan, line or mortgage unless the refinance includes $10,000 or more of new money. Primary residence only. Rate and offer subject to change without notice and cannot be combined with any other offer. Closing costs up to $500 will be waived if application is approved and funds are disbursed by PSE Credit Union. In many cases, the interest is tax-deductible; please consult your tax advisor. Other rates and terms available. Accounts are insured up to $250,000 by American Share Insurance. This institution is not federally insured by member choice. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.

****Annual Percentage Rate (APR). The 7.00% rate quoted is only for Motorcycle loan balances of $10,000+ and is based on a credit score of 720+ for 24 months and is our best rate, rates may increase by as much as 7.00% depending on credit worthiness. Rate includes a .25% discount for having payroll deposit or electronic payment. Additional terms and rates are available, new money only. This is a limited time offer, loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply.

*****Annual Percentage Rate (APR). The 7.25% rate quoted is based on a credit score of 720+ for 24 months and is our best rate, rates may increase by as much as 4.75% depending on credit worthiness. Rate includes a .25% discount for having payroll deposit or electronic payment. Additional terms and rates are available, new money only. This is a limited time offer, loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply. This promotion cannot be combined with any other loan discounts. Accounts are insured up to $250,000 by American Share Insurance. This institution is not federally insured by member choice. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.

******Annual Percentage Rate. The 9.25% rate quoted is based on a credit score of 720+ for 72 months and is our best rate, rates may increase by as much as 3.25% depending on credit worthiness. Rate includes a .25% discount for having payroll deposit or electronic payment. Additional terms and rates are available, new money only. Must be a homeowner and funds are not to be used for bill/debt consolidation. Loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply.