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Pennsylvania State Employees Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 29, 2026
Pennsylvania State Employees Credit Union's Promotional Rate CD - 15 month rates are at 4.00%, 18 Month CD rates are at 3.65%, CD - 18 month rates are at 3.65%, 24 Month CD rates are at 3.60%, CD - 24 month rates are at 3.60%. Pennsylvania State Employees Credit Union's savings rates are at 4.00%. Pennsylvania State Employees Credit Union's money market rates are at 2.85%. Pennsylvania State Employees Credit Union's checking rates are as high as 0.10%. Pennsylvania State Employees Credit Union's Personal Loan Rates are as low as 8.99%. Pennsylvania State Employees Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Pennsylvania State Employees Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.23%. Rates last updated and verified on 10/29/2026.
Pennsylvania State Employees Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pennsylvania State Employees Credit Union? Share your experience about Pennsylvania State Employees Credit Union by leaving a review below, or read customer reviews before you decide to use Pennsylvania State Employees Credit Union.
Pennsylvania State Employees Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Pennsylvania State Employees Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
4.23%
ExcellentLower than avg
Pennsylvania State Employees Credit Union Texas Ratio
Pennsylvania State Employees Credit Union's Texas Ratio is 4.23%, which is considered excellent and is lower than the national average of 6.13%.
Pennsylvania State Employees Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
Pennsylvania State Employees Credit Union Health Trend
6.12% to 4.23% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this credit union has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Pennsylvania State Employees Credit Union CD Rates
Product
Rate
APY
Term
View More
Promotional Rate Certificate - 15 month
3.93%
4.00%
15 months
Min Balance$500
DetailsPromotional certificate; matures to the next lowest non-promotional term unless PSECU is contacted by maturity; minimum daily balance of $500 to earn APY
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
18 Month Certificate
-
3.65%
18 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
18 Month IRA Certificate
3.59%
3.65%
18 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 18 month
3.59%
3.65%
18 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
24 Month Certificate
-
3.60%
24 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
24 Month IRA Certificate
3.54%
3.60%
24 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 24 month
3.54%
3.60%
24 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
12 Month Certificate
-
3.55%
12 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
12 Month IRA Certificate
3.49%
3.55%
12 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 12 month
3.49%
3.55%
12 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
9 Month Certificate
-
3.45%
9 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
9 Month IRA Certificate
3.40%
3.45%
9 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 9 month
3.40%
3.45%
9 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
6 Month Certificate
-
3.35%
6 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
6 Month IRA Certificate
3.30%
3.35%
6 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 6 month
3.30%
3.35%
6 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
60 Month Certificate
-
2.70%
60 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
60 Month IRA Certificate
2.67%
2.70%
60 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 60 month
2.67%
2.70%
60 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
48 Month Certificate
-
2.65%
48 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
48 Month IRA Certificate
2.62%
2.65%
48 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 48 month
2.62%
2.65%
48 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.65% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
36 Month Certificate
-
2.60%
36 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
36 Month IRA Certificate
2.57%
2.60%
36 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 36 month
2.57%
2.60%
36 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
3 Month Certificate
-
1.50%
3 months
Min Deposit$500
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
3 Month IRA Certificate
1.49%
1.50%
3 months
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Certificate - 3 month
1.49%
1.50%
3 months
Min Balance$500
DetailsMinimum daily balance of $500 required to earn APY; Valid as of 10/29/2026
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union Savings Rates
Product
Rate
APY
View More
Youth Savings
3.93%
4.00%
Min Balance$0
DetailsBalance: $.01 - $500.00; Youth Savings Accounts will earn a higher APY for balances of $.01 to $500.00
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
IRA Share
0.25%
0.25%
Min Balance$500
DetailsValid as of 10/29/2026 01:37 PM EDT; minimum daily balance of $500 required to earn APY
Last Updated10/29/2026
Rate History
No change since Oct 29, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Savings Shares (Regular, Additional & IRA)
0.25%
0.25%
Min Deposit$5
DetailsRegular shares require a minimum balance of $5 to open the account; Dividend rates are variable and may change after the member opens the account
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Youth Savings
0.25%
0.25%
Min Balance$500
DetailsBalance: $500.01 and over; For balances of $500.01 and over, the Regular Savings Share APY will apply
Last Updated10/29/2026
Rate History
No change since Oct 9, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market
2.81%
2.85%
Min Balance$100,000
DetailsBalance: $100,000.00 and over
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Money Market
2.57%
2.60%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Money Market
2.42%
2.45%
Min Balance$20,000
DetailsBalance: $20,000.00 - $49,999.99
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Money Market
2.33%
2.35%
Min Balance$500
DetailsBalance: $500.00 - $4,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Money Market
2.33%
2.35%
Min Balance$5,000
DetailsBalance: $5,000.00 - $19,999.99
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union Checking Rates
Product
Rate
APY
View More
Checking
0.10%
0.10%
DetailsThe disclosed dividend rates are variable and may change after the member opens the account(s)
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
HELOC Flex Variable Loan-to-Value up to 80%
-
-
7.00%
DetailsAs Low As; Variable rate, equal to WSJ Prime Rate for LTV up to 80%; Minimum line of credit $5,000; Maximum APR 18%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 9, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
HELOC Plus Variable Loan-to-Value up to 80%
-
-
7.00%
DetailsAs Low As; Variable rate; Loan-to-Value up to 80%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75%
Oct 9, 20267.00%▲ from 6.75%
Sep 14, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
HELOC Flex Variable Loan-to-Value greater than 80% up to 90.00%
-
-
7.50%
DetailsAs Low As; Variable rate, WSJ Prime Rate combined with a margin for LTV greater than 80% up to 90%; Minimum line of credit $5,000; Maximum APR 18%
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
HELOC Plus Fixed Loan-to-Value up to 80%
-
-
7.50%
DetailsAs Low As; Fixed rate; Loan-to-Value up to 80%
Last Updated10/29/2026
Rate History
1 change since Sep 14, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 9, 20267.50%▲ from 7.25%
Sep 14, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
HELOC Plus Variable Loan-to-Value greater than 80% up to 90.00%
-
-
7.50%
DetailsAs Low As; Variable rate; Loan-to-Value greater than 80% up to 90.00%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
HELOC Plus Fixed Loan-to-Value greater than 80% up to 90.00%
-
-
8.00%
DetailsAs Low As; Fixed rate; Loan-to-Value greater than 80% up to 90.00%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.00% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New & Used Auto Loans - 2023 Model Year and Newer
-
-
5.69%
DetailsModel year 2023; As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2022-2020 Model Year
-
-
5.94%
DetailsModel year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.94% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2023 Model Year and Newer
-
-
6.14%
DetailsModel year 2023; As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.14% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2022-2020 Model Year
-
-
6.39%
DetailsModel year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans
-
-
6.44%
1 - 63 Months
DetailsAs Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $3,000.00; Loan Amount Minimum: $1,000.00; Maximum APR: 12.89%
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 5.44% → 6.44% ▲ 1.00 pts · high 6.44% / low 5.44%
Oct 26, 20266.44%▲ from 5.94%
Oct 13, 20265.94%▲ from 5.69%
Oct 1, 20265.69%▲ from 5.44%
Sep 14, 20265.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2023 Model Year and Newer
-
-
6.79%
DetailsModel year 2023; As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans
-
-
6.89%
64 - 75 Months
DetailsAs Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $12,000.00; Loan Amount Minimum: $4,000.00; Maximum APR: 12.89%
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 5.89% → 6.89% ▲ 1.00 pts · high 6.89% / low 5.89%
Oct 26, 20266.89%▲ from 6.39%
Oct 13, 20266.39%▲ from 6.14%
Oct 1, 20266.14%▲ from 5.89%
Sep 14, 20265.89%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2022-2020 Model Year
-
-
7.04%
DetailsModel year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans
-
-
7.54%
76 - 84 Months
DetailsAs Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $20,000.00; Loan Amount Minimum: $6,000.00; Maximum APR: 12.89%
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 6.54% → 7.54% ▲ 1.00 pts · high 7.54% / low 6.54%
Oct 26, 20267.54%▲ from 7.04%
Oct 13, 20267.04%▲ from 6.79%
Oct 1, 20266.79%▲ from 6.54%
Sep 14, 20266.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2023 Model Year and Newer
-
-
7.79%
DetailsModel year 2023; As Low As; Model Year: 2023 and Newer; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.79% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans - 2022-2020 Model Year
-
-
8.04%
DetailsModel year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.04% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
New & Used Auto Loans
-
-
8.54%
85 - 96 Months
DetailsAs Low As; Model Year: 2019 Model Year and Older; Vehicle Value Minimum: $40,000.00; Loan Amount Minimum: $12,000.00; Maximum APR: 12.89%
Last Updated10/29/2026
Rate History
3 changes since Sep 14, 2026 · 7.54% → 8.54% ▲ 1.00 pts · high 8.54% / low 7.54%
Oct 26, 20268.54%▲ from 8.04%
Oct 13, 20268.04%▲ from 7.79%
Oct 1, 20267.79%▲ from 7.54%
Sep 14, 20267.54%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union RV, Boat and Powersport Loan Rates
No change since Sep 14, 2026 · 11.99% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Pennsylvania State Employees Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Classic Card
-
-
9.90%
DetailsPurchase Rate; Today's Featured Rate; promotional balance transfer and intro purchase rate offers available
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 9.90% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 10 Year Equity Loan-to-Value greater than 80% up to 90%
-
-
6.77%
10 Year
DetailsAs Low As; LTV greater than 80% up to 90%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.77% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 10 Year Equity Loan-to-Value up to 80%
-
-
6.27%
10 Year
DetailsAs Low As; LTV up to 80%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.27% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 15 Year Equity Loan-to-Value greater than 80% up to 90%
-
-
7.26%
15 Year
DetailsAs Low As; LTV greater than 80% up to 90%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.26% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 15 Year Equity Loan-to-Value up to 80%
-
-
6.77%
15 Year
DetailsAs Low As; LTV up to 80%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.77% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 20 Year Equity Loan-to-Value greater than 80% up to 90%
-
-
7.87%
20 Year
DetailsAs Low As; LTV greater than 80% up to 90%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.87% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 20 Year Equity Loan-to-Value up to 80%
-
-
7.36%
20 Year
DetailsAs Low As; LTV up to 80%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.36% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 5 Year Equity Loan-to-Value greater than 80% up to 90%
-
-
6.56%
5 Year
DetailsAs Low As; LTV greater than 80% up to 90%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.56% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Real Estate Equity Loans - 5 Year Equity Loan-to-Value up to 80%
-
-
6.07%
5 Year
DetailsAs Low As; LTV up to 80%; Monthly payment example00; Minimum loan amount $5,000
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.07% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.23%
Financial Health History
Pennsylvania State Employees Credit Union’s Texas Ratio fell from 6.12% in Q3 2023 to 4.23% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$9.7B
4.23%
5.0
A+
March 31, 2026
$9.6B
4.38%
5.0
A+
December 31, 2025
$9.3B
5.17%
5.0
A+
September 30, 2025
$9.0B
5.00%
5.0
A+
June 30, 2025
$9.0B
5.19%
5.0
A+
March 31, 2025
$9.0B
4.27%
5.0
A+
December 31, 2024
$8.7B
5.21%
5.0
A+
September 30, 2024
$8.5B
5.43%
5.0
A+
June 30, 2024
$8.5B
5.49%
5.0
A+
March 31, 2024
$8.5B
5.55%
5.0
A+
December 31, 2023
$8.2B
6.58%
5.0
A
September 30, 2023
$8.1B
6.12%
5.0
A
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for Pennsylvania State Employees Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Pennsylvania State Employees Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Pennsylvania State Employees Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union NamePennsylvania State Employees Credit Union
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
921,598,657
Total Uninsured Shares and Deposits > $250K (F+J)
921,598,657
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,557,748,561
Total Interest Expense (Sum of items 6 8)
81,971,977
Share Certificates
115,863
Number of Accounts for Share Drafts
351,457
IRA KEOGH Accounts
22,869
Number of Accounts for Regular Shares
687,958
All other shares
58,391
Money Market Shares
93,361
Net Income (unless the amount is already included in Undivided Earnings)
95,370,737
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
576,826,254
Total Liabilities
8,537,752,306
Source: NCUA — Last Updated 06/30/2026
2026 MBR Health & Safety Badge
Pennsylvania State Employees Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Pennsylvania State Employees Credit Union
Does Pennsylvania State Employees Credit Union offer CDs?
Yes. Pennsylvania State Employees Credit Union current CD rates include its Promotional Rate CD - 15 month at 4.00% APY, its 18 Month CD at 3.65% APY and its CD - 18 month at 3.65% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Pennsylvania State Employees Credit Union NCUA insured?
Yes. Pennsylvania State Employees Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Pennsylvania State Employees Credit Union?
The highest Pennsylvania State Employees Credit Union CD rate is its Promotional Rate CD - 15 month at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Pennsylvania State Employees Credit Union offer?
Pennsylvania State Employees Credit Union CD rates are 3.55% APY for a 12 month CD, 4.00% APY for a 15 month CD, 3.65% APY for an 18 month CD, 3.60% APY for a 2 year CD and 2.70% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Pennsylvania State Employees Credit Union for its full lineup.
What is the highest savings rate at Pennsylvania State Employees Credit Union?
The highest Pennsylvania State Employees Credit Union savings rate is its Youth Savings at 4.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Pennsylvania State Employees Credit Union?
The highest Pennsylvania State Employees Credit Union money market rate is its Money Market at 2.85% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Pennsylvania State Employees Credit Union?
The highest Pennsylvania State Employees Credit Union checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest auto loan rate at Pennsylvania State Employees Credit Union?
The lowest Pennsylvania State Employees Credit Union auto loan rate is its New & Used Auto Loans - 2023 Model Year and Newer at 5.69% APR, verified by MonitorBankRates as of October 29, 2026.
What is the lowest personal loan rate at Pennsylvania State Employees Credit Union?
The lowest Pennsylvania State Employees Credit Union personal loan rate is its Personal Loan at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.
How many branches does Pennsylvania State Employees Credit Union operate?
Pennsylvania State Employees Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join Pennsylvania State Employees Credit Union?
Yes, to access services at Pennsylvania State Employees Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, Pennsylvania State Employees Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Pennsylvania State Employees Credit Union provides members with tools to manage their accounts and build a solid financial history.
Does Pennsylvania State Employees Credit Union offer online and mobile banking?
Most modern institutions like Pennsylvania State Employees Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.psecu.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Pennsylvania State Employees Credit Union rates compare?
Pennsylvania State Employees Credit Union's CD rates are 5% higher than the MonitorBankRates national average, and it has an A+ health rating. Pennsylvania State Employees Credit Union's top rates are its Promotional Rate CD - 15 month at 4.00% APY, its Youth Savings at 4.00% APY, its Money Market at 2.85% APY, its Checking at 0.10% APY and its Personal Loan at 8.99% APR, verified by MonitorBankRates on October 29, 2026.
Current Pennsylvania State Employees Credit Union Rates
12-Month CD3.55%
18-Month CD3.65%
24-Month CD3.60%
60-Month CD2.70%
Savings4.00%
MMA2.85%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
