Rates

Interest and Annual Percentage Rates


Certificate Account Rates

As of
TermMinimumRateAPY*
6 Month Promo $500 2.00% 2.02%
6 Month $500 .80% .80%
12 Month Promo $500 2.25% 2.27%
1 Year $500 1.40% 1.41%
2 Year $500 1.60% 1.61%
3 Year $500 1.70% 1.71%
4 Year $500 1.80% 1.81%
5 Year $500 1.90% 1.91%
IRA 6 Month Promo $500 2.00% 2.02%
IRA 6 Month $500 .80% .80%
IRA 12 Month Promo $500 2.25% 2.27%
IRA 1 Year $500 1.40% 1.41%
IRA 2 Year $500 1.60% 1.61%
IRA 3 Year $500 1.70% 1.71%
IRA 4 Year $500 1.80% 1.81%
IRA 5 Year $500 1.90% 1.91%
*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: June 30th, 2019

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

As of Sept 1st, 2019

Minimum BalanceDividend RateAPY*
$50 - $9,999 .35% .35%
$10,000 - $24,999 .40% .40%
$25,000 - $49,999 .45% .45%
$50,000 - $99,999 .50% .50%
$100,000+ .55% .55%
*APY = Annual Percentage Yield.

Christmas Club

Last Dividend Declaration Date: Oct 31, 2018

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 June 30th, 2019

MinimumRateAPY*
$0 0.45% 0.45%
*APY = Annual Percentage Yield.

Checking Accounts

Last Dividend Declaration Date:  June 30th, 2019

PERSONALMinimumRateAPY*
Basic Checking  $0 0% 0%
 Deluxe Checking    $2,000+ 0.05% 0.05%
Renew Checking    $2,000+ 0.05% 0.05%
BUSINESSMinimumRateAPY*
Organizational Checking      
$0 - $2,499.99 $0 0% 0%
 $2,500+  $2,500 0.05% 0.05%
 Small Business Checking      
$0 - $2,499.99 $0 0% 0%
 $2,500+  $2,500 0.05% 0.05%
Commercial Checking      
$0 – 4,999.99 $0 0% 0%
 $5,000+   $5,000+ 0.05% 0.05%
*APY = Annual Percentage Yield.

VISA Products

As of July 15th, 2019

VISADescription
VISA® HELOC "Variable rate of prime + 0%" Call today for current rate. 440-545-5135
VISA® Classic Our VISA Classic card offers a fixed interest rate of 13.5% APR*, NO annual fee and the Scorecard enhancement package.
VISA® Vanilla For 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 Cards Purchase 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 Sept 1st, 2019
LoanDescription
Personal/Signature/Bill Consolidation Loans Annual Percentage Rate As Low As 9.75%*
New Auto Loans Annual Percentage Rate As Low As 1.99%**
Used Auto Loans Annual Percentage Rate As Low As 1.99%**
Motorcycle Loans Annual Percentage Rate As Low As 4.00%*
Boat and RV Loans Annual Percentage Rate As Low As 4.75%*
Snowmobile/ATV/Jet Ski Loans Annual Percentage Rate As Low As 5.50%*
Mortgage For more information on mortgages, please call Mortgage Center at 800-353-4449
Home Equity Loans Rates As Low AS 3.74%APR*** View our Home Equity Loan Options >


*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 1.99% 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 13.01% 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. The drawing is open to all legal Ohio residents age 18 or older. Promotional period is Sept. 3 – Oct. 31, 2019. For official rules, visit our rules page.
***Annual Percentage Rate (APR) shown is accurate as of Oct. 8, 2019 and is available to well-qualified borrowers for a term of up to 60 months and a loan-to-value 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.