Rates

Interest and Annual Percentage Rates


Certificate Account Rates

As of June 24, 2022


TermMinimumRateAPY*
6 Month $500 .65% .65%
1 Year $500 .85% .85%
2 Year $500 1.05% 1.05%
3 Year $500 1.25% 1.26%
4 Year $500 1.45% 1.46%
5 Year $500 1.65% 1.66%
IRA 6 Month $500 .65% .65%
IRA 1 Year $500 .85% .85%
IRA 2 Year $500 1.00% 1.00%
IRA 3 Year $500 1.10% 1.10%
IRA 4 Year $500 1.15% 1.15%
IRA 5 Year $500 1.25% 1.26%
*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: March 31, 2022

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 March 31, 2022

Minimum BalanceDividend RateAPY*
$50 - $9,999 .15% .15%
$10,000 - $24,999 .20% .20%
$25,000 - $49,999 .25% .25%
$50,000 - $99,999 .35% .35%
$100,000+ .45% .45%
*APY = Annual Percentage Yield.

Christmas Club

Last Dividend Declaration Date: Nov. 1, 2021

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 Nov. 1, 2021

MinimumRateAPY*
$0 0.35% 0.35%
*APY = Annual Percentage Yield.

Checking Accounts

Last Dividend Declaration Date: March 31, 2022

PERSONALMinimumRateAPY*
Basic Checking  $0 0% 0%
 Deluxe Checking    $2,000+ 0.05% 0.05%
Renew Checking    $2,000+ 0.05% 0.05%
HSA $0 Minimum .35% .35%
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 Jan 25th, 2022

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 June 16, 2022
LoanDescription
Personal/Signature/Bill Consolidation Loans Annual Percentage Rate As Low As 9.75%*
New Auto Loans Annual Percentage Rate As Low As 2.50%**
Used Auto Loans Annual Percentage Rate As Low As 2.50%**
Motorcycle Loans Annual Percentage Rate As Low As 4.25%****
Boat and RV Loans Annual Percentage Rate As Low As 4.50%*****
Snowmobile/ATV/Jet Ski Loans Annual Percentage Rate As Low As 6.25%*
Mortgage For more information on mortgages, please call Mortgage Center at 800-353-4449
Home Equity Loans Rates As Low AS 2.99%APR*** View our Home Equity Loan Options >
Home Improvement Loan Annual Percentage Rate As Low As 7.00%******


*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 2.50% 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 13.00% 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. This promotion cannot be combined with any other loan discounts.

****Annual Percentage Rate (APR) shown is accurate as of 4/18/2022 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. Promotion valid 4/18/2022 – 6/30/2022. 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 4.25% 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 5.25% 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. This is a limited time offer, loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply.

*****Annual Percentage Rate (APR). The 4.50% 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 4.00% 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. 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 7.00% 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.