Rates
Interest and Annual Percentage Rates
Certificate Account Rates
Call (440) 545-5139 for more information!
As of 03/01/2026
| Term | Minimum | Rate | APY* |
|---|---|---|---|
| 3 Month | $500 | 2.00% | 2.02% |
| 6 Month | $500 | 3.65% | 3.70% |
| 1 Year | $500 | 3.70% | 3.75% |
| 2 Year | $500 | 3.45% | 3.50% |
| 3 Year | $500 | 3.25% | 3.29% |
| 4 Year | $500 | 3.25% | 3.29% |
| 5 Year | $500 | 3.25% | 3.29% |
| IRA 3 Month | $500 | 2.00% | 2.02% |
| IRA 6 Month | $500 | 3.65% | 3.70% |
| IRA 1 Year | $500 | 3.70% | 3.75% |
| IRA 2 Year | $500 | 3.45% | 3.50% |
| IRA 3 Year | $500 | 3.25% | 3.29% |
| IRA 4 Year | $500 | 3.25% | 3.29% |
| IRA 5 Year | $500 | 3.25% | 3.29% |
*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: 12/31/2025
| Minimum | Rate | APY* |
|---|---|---|
| $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: 06/01/2025
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $50 - $9,999 | 0.25% | 0.25% |
| $10,000 - $24,999 | 0.40% | 0.40% |
| $25,000 - $49,999 | 0.50% | 0.50% |
| $50,000 - $99,999 | 0.75% | 0.75% |
| $100,000 - $249,999 | 1.00% | 1.00% |
| $250,000 + | 1.70% | 1.70% |
*APY = Annual Percentage Yield.
Christmas Club
Christmas Club Agreement (PDF)
Last Dividend Declaration Date: 11/01/2025
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.
| Minimum | Rate | APY* |
|---|---|---|
| $0 | 0.05% | 0.05% |
*APY = Annual Percentage Yield.
IRA Savings
As of: 09/30/2025
| Minimum | Rate | APY* |
|---|---|---|
| $0 | 0.35% | 0.35% |
*APY = Annual Percentage Yield.
Checking Accounts
As of: 12/31/2025
Personal
| Minimum | Rate | APY* | |
|---|---|---|---|
| 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 Checking | Minimum | Rate | APY* |
|---|---|---|---|
| $0 - $2,499.99 | $0 | 0% | 0% |
| $2,500+ | $2,500 | 0.05% | 0.05% |
| Small Business Checking | Minimum | Rate | APY* |
|---|---|---|---|
| $0 - $2,499.99 | $0 | 0% | 0% |
| $2,500+ | $2,500 | 0.05% | 0.05% |
| Commercial Checking | Minimum | Rate | APY* |
|---|---|---|---|
| $0 – 4,999.99 | $0 | 0% | 0% |
| $5,000+ | $5,000+ | 0.05% | 0.05% |
*APY = Annual Percentage Yield.
VISA Products
As of: 01/26/2026
| VISA | Description |
|---|---|
| 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 | Description |
|---|---|
| Personal/Signature/Bill Consolidation Loans | Annual Percentage Rate As Low As 10.75% * |
| New Auto Loans | Annual Percentage Rate As Low As 4.49% ** |
| Used Auto Loans | Annual Percentage Rate As Low As 4.49% ** |
| Motorcycle Loans | Annual Percentage Rate As Low As 7.00% **** |
| Boat and RV Loans | Annual Percentage Rate As Low As 7.25% ***** |
| Snowmobile/ATV/Jet Ski Loans | Annual Percentage Rate As Low As 9.00% * |
| Mortgage | For more information on mortgages, please call Mortgage Center at 800-353-4449 |
| Home Equity Loans | Rates As Low As 4.70% APR *** View our Home Equity Loan Options > |
| Home Improvement Loan | Annual 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 4.49% 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 10.51% 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 03/01/2026 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.
****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.