PSECU started in 1934 with 22 founders who pooled their money together to find a better future for their families. It is Pennsylvania’s largest employee-based credit union and can proudly say that it offers over 600 financial literacy classes to our community and state, educating nearly 20,000 people about banking and money.

To provide you with a detailed analysis of its certificate of deposit, here is the detailed overview stated below;

PSECU CD Rates Offers

The popular CD rates terms offers are provided as follows;

6-Month CD Term

  • APY: 4.00%


  • Competitive 4.00% APY ensures a quick return.
  • Flexibility to reassess investments every six months.

Pros & Cons

Short-term commitmentLower APY compared to longer terms

9 & 12-Month CD Terms

  • APY: 5.15%


  • Higher 5.15% APY for those with a slightly longer investment horizon.

Pros & Cons

Higher APY than 6-month termLonger commitment than 6 months

18-Month CD Term

  • APY: 3.35%


  • 3.35% APY provides a competitive rate.

Pros & Cons

More flexibility than longer-term CDsLess liquidity than shorter-term alternatives

24-Month CD Term

  • APY: 3.25%


  • Suitable for individuals seeking a consistent, predictable return.

Pros & Cons

Suitable for planned financial milestonesPotential for better rates in longer terms

36-Month CD Term

  • APY: 3.15%


  • Appropriate for those comfortable with a more extended commitment for enhanced returns.

Pros & Cons

Suitable for long-term financial planningLimited access to funds during the term

Are PSECU CD Rates Competitive?

PSECU CD rates are notably competitive, offering a range of terms to cater a diverse financial goals.

With attractive Annual Percentage Yields across various durations, from the short-term 6-month option to the extended 36-month term, PSECU provides depositors the opportunity to earn competitive returns on their investments.

The rates compare favorably to industry standards, making PSECU CDs an appealing choice for those seeking a balance between security and growth. Whether you prioritize short-term liquidity or are willing to commit to a longer investment horizon, PSECU’s CD offerings showcase a competitive edge in the market, aligning with the diverse needs of investors.

Overview PSECU

PSECU helped make a $25,000 donation to Feeding Pennsylvania to support state food banks as people struggled with unemployment and hunger at the height of the COVID pandemic. PSECU members also showed their generosity by donating over $44,000 themselves. We are humbled by our members!

We also hold a yearly vote, often on Facebook, to decide which of our community organizations to give an extra donation to. The $2,200 amount selected honors the original 22 members who founded and collected their funds together to make their community a better place. We let our community decide where this money should go, and let them choose from several local nonprofits that make a difference in the lives of our community members.

Becoming a member is easy, and you can probably become a member. Just ask or call us and we will help get you access to our low to no monthly fee accounts. We believe that our community comes first and we like to show it by letting you keep your own money.


PSECU’s certificates of deposit are easy to sign up for. You must first become a member of the Credit Union, which involves opening a checking or savings account. You can then either come in or make a certificate of deposit through our online banking system.

Locations PSECU 

PSECU has several locations in Pennsylvania. We have three branches in Harrisburg including our main office and one in State College. PSECU also offers a network of more than 30,000 surcharge-free ATMs as well as rebates for using ATMs considered out of network.

Frequently Asked Questions

Are PSECU CDs insured?

Yes, PSECU CDs are federally insured by the NCUA (National Credit Union Administration) for up to $250,000 per depositor, providing a secure investment environment.

Can I add additional funds to my existing CD during its term?

No, PSECU does not allow additional deposits to existing CDs. However, you can open a new CD with additional funds.

How is interest calculated on PSECU CDs?

Interest is calculated using the daily balance method, where interest accrues daily and is credited monthly or quarterly, depending on the CD term.

Can I choose to receive interest payouts rather than having them reinvested?

Yes, you have the option to receive interest payouts monthly, quarterly, or annually instead of having them reinvested into the CD.

Are there special rates for PSECU members or specific account holders?

PSECU CD rates are the same for all members, regardless of account type. The rates are determined based on the CD term and prevailing market conditions.