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PSECU Rates & Review November 2026

Q: What are the current interest rates at PSECU?

Current rates for PSECU include: 12-Month CD: 3.55%, 18-Month CD: 3.65%, 24-Month CD: 3.60%, 60-Month CD: 2.70%, Savings: 4.00%, MMA: 2.85%

Q: What CD terms does PSECU offer?

PSECU 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 31, 2026. The institution may offer other terms or specials that are not listed here, so check with PSECU for its full lineup.

Q: What is the highest savings rate at PSECU?

The highest PSECU savings rate is its Youth Savings at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

Q: What is the highest money market rate at PSECU?

The highest PSECU money market rate is its Money Market at 2.85% APY, verified by MonitorBankRates as of October 31, 2026.

Q: What is the highest checking rate at PSECU?

The highest PSECU checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 31, 2026.

Q: What is the lowest auto loan rate at PSECU?

The lowest PSECU auto loan rate is its Auto Loans at 5.19% APR, verified by MonitorBankRates as of October 31, 2026. PSECU auto loan rates are 5.69% APR for a 63 month auto loan, 6.14% APR for a 75 month auto loan, 6.79% APR for an 84 month auto loan and 7.79% APR for a 96 month auto loan.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 31, 2026

PSECU's 15 Month Promotional Rate CD 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%. PSECU's savings rates are at 4.00%. PSECU's money market rates are at 2.85%. PSECU's checking rates are as high as 0.10%. PSECU's Personal Loan Rates are as low as 8.99%. PSECU's CD rates are 5% higher than the MonitorBankRates national average. MonitorBankRates has no NCUA call report data for PSECU (no charter number on file), so it is not rated. Rates last updated and verified on 10/31/2026.

PSECU 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 PSECU? Share your experience about PSECU by leaving a review below, or read customer reviews before you decide to use PSECU.

Overall Health & Safety Grade

N/A

Not Rated No current filing

MonitorBankRates Rating

N/A

Not Rated No current filing

Texas Ratio

N/A

Not Rated No data

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PSECU CD Rates

Product	Rate	APY	Term
15 Month Promotional Rate Certificate	3.93%	4.00%	15 months
Min Balance $500 Details Promotional certificate; automatically renews at the next lowest non-promotional term unless PSECU is contacted on or before maturity; 10 calendar days after maturity to redeem without penalty; minimum daily balance of $500 required to earn disclosed APY Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 4.00% APY · checked 3 times
18 Month Certificate	-	3.65%	18 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 7 times
Certificate - 18 month	3.59%	3.65%	18 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 3.59%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 8 times
Certificates & IRA Certificates - 18 month	3.59%	3.65%	18 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.65% APY · checked 5 times
24 Month Certificate	-	3.60%	24 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.60% APY · checked 7 times
Certificate - 24 month	3.54%	3.60%	24 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 3.54%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.60% APY · checked 8 times
Certificates & IRA Certificates - 24 month	3.54%	3.60%	24 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.60% APY · checked 5 times
12 Month Certificate	-	3.55%	12 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 7 times
Certificate - 12 month	3.49%	3.55%	12 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 3.49%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 8 times
Certificates & IRA Certificates - 12 month	3.49%	3.55%	12 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.55% APY · checked 5 times
9 Month Certificate	-	3.45%	9 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 7 times
Certificate - 9 month	3.40%	3.45%	9 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 3.40%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 8 times
Certificates & IRA Certificates - 9 month	3.40%	3.45%	9 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 5 times
6 Month Certificate	-	3.35%	6 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 7 times
Certificate - 6 month	3.30%	3.35%	6 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 3.30%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 8 times
Certificates & IRA Certificates - 6 month	3.30%	3.35%	6 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 5 times
60 Month Certificate	-	2.70%	60 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.70% APY · checked 7 times
Certificate - 60 month	2.67%	2.70%	60 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 2.67%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.70% APY · checked 8 times
Certificates & IRA Certificates - 60 month	2.67%	2.70%	60 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.70% APY · checked 5 times
48 Month Certificate	-	2.65%	48 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.65% APY · checked 7 times
Certificate - 48 month	2.62%	2.65%	48 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 2.62%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.65% APY · checked 8 times
Certificates & IRA Certificates - 48 month	2.62%	2.65%	48 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.65% APY · checked 5 times
36 Month Certificate	-	2.60%	36 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.60% APY · checked 7 times
Certificate - 36 month	2.57%	2.60%	36 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 2.57%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.60% APY · checked 8 times
Certificates & IRA Certificates - 36 month	2.57%	2.60%	36 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.60% APY · checked 5 times
3 Month Certificate	-	1.50%	3 months
Min Deposit $500 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 7 times
Certificate - 3 month	1.49%	1.50%	3 months
Min Deposit $500 Min Balance $500 Details Certificates & IRA Certificates table; Dividend Rate 1.49%; minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 8 times
Certificates & IRA Certificates - 3 month	1.49%	1.50%	3 months
Min Balance $500 Details Minimum daily balance of $500 required to earn APY Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 5 times

PSECU Savings Rates

Product	Rate	APY
Youth Savings	3.93%	4.00%
Min Balance $0 Details Balance: $.01 to $500.00 Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 4.00% APY · checked 7 times
Regular Savings Shares	0.25%	0.25%
Min Balance $5 Details $5 required to establish and maintain Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Savings Shares (Regular, Additional & IRA)	0.25%	0.25%
Min Deposit $5 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 8 times
Youth Savings	0.25%	0.25%
Min Balance $500 Details Balance: $500.01 and over Last Updated 10/31/2026 Rate History No change since Oct 1, 2026 · 0.25% APY · checked 7 times

PSECU Money Market Rates

Product	Rate	APY
Money Market	2.81%	2.85%
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.85% APY · checked 8 times
Money Market	2.57%	2.60%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.60% APY · checked 8 times
Money Market	2.42%	2.45%
Min Balance $20,000 Details Balance: $20,000.00 to $49,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.45% APY · checked 8 times
Money Market	2.33%	2.35%
Min Balance $500 Details Balance: $500.00 to $4,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.35% APY · checked 8 times
Money Market	2.33%	2.35%
Min Balance $5,000 Details Balance: $5,000.00 to $19,999.99 Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 2.35% APY · checked 8 times

PSECU Checking Rates

Product	Rate	APY	View More
Checking	0.10%	0.10%
No additional details. Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 8 times

PSECU Home Equity & HELOC

Product	Rate	Points	APR
HELOC Flex Variable Loan-to-Value up to 80%	-	-	7.00%
Details As Low As; Home Equity Line of Credit Flex (HELOC Flex); Variable; LTV up to 80%; Maximum APR 18%; Minimum line of credit $5,000 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 30, 20266.75%first recorded
HELOC Plus Variable Loan-to-Value up to 80%	-	-	7.00%
Details As Low As Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Oct 1, 20267.00%▲ from 6.75% Sep 30, 20266.75%first recorded
HELOC Flex Variable Loan-to-Value greater than 80% up to 90.00%	-	-	7.50%
Details As Low As; Home Equity Line of Credit Flex (HELOC Flex); Variable; LTV greater than 80% up to 90.00%; Maximum APR 18%; Minimum line of credit $5,000 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.50% APR · checked 3 times
HELOC Plus Fixed Loan-to-Value up to 80%	-	-	7.50%
Details As Low As Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25% Oct 1, 20267.50%▲ from 7.25% Sep 30, 20267.25%first recorded
HELOC Plus Variable Loan-to-Value greater than 80% up to 90.00%	-	-	7.50%
Details As Low As Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times
HELOC Plus Fixed Loan-to-Value greater than 80% up to 90.00%	-	-	8.00%
Details As Low As Last Updated 10/31/2026 Rate History No change since Oct 26, 2026 · 8.00% APR · checked 2 times

PSECU Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	5.19%	1 - 63 Months
Details As Low As; Model Year 2023 and Newer; Vehicle Value (Minimum) $3,000.00; Loan Amount (Minimum) $1,000.00; Rate assumes excellent creditworthiness and front-end loan to value at or below 90%; Minimum APR 5.19%, Maximum APR 11.39% Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.19% APR · checked 3 times
Auto Loans	-	-	5.64%	64 - 75 Months
Details As Low As; Model Year 2023 and Newer; Vehicle Value (Minimum) $12,000.00; Loan Amount (Minimum) $4,000.00; Rate assumes excellent creditworthiness and front-end loan to value at or below 90%; Minimum APR 5.19%, Maximum APR 11.39% Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.64% APR · checked 3 times
New & Used Auto Loan - 1 - 63 Months	-	-	5.69%	1-63 months
Details As Low As; Model Year: 2023 and Newer; Vehicle value minimum $3,000.00; Loan amount minimum $1,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.69% APR · checked 3 times
New & Used Auto Loans	-	-	5.69%	1 - 63 Months
Details As Low As; Model Year: 2023 and Newer; Vehicle Value (minimum) $3,000.00; Loan Amount (minimum) $1,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 5.94% → 5.69% ▼ 0.25 pts · high 5.94% / low 5.69% Oct 20, 20265.69%▼ from 5.94% Sep 30, 20265.94%first recorded
New & Used Auto Loans - 2022-2020 Model Year	-	-	5.94%
Details Model year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 5.94% APR · checked 3 times
New & Used Auto Loan - 64 - 75 Months	-	-	6.14%	64-75 months
Details As Low As; Model Year: 2023 and Newer; Vehicle value minimum $12,000.00; Loan amount minimum $4,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.14% APR · checked 3 times
New & Used Auto Loans	-	-	6.14%	64 - 75 Months
Details As Low As; Model Year: 2023 and Newer; Vehicle Value (minimum) $12,000.00; Loan Amount (minimum) $4,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 6.39% → 6.14% ▼ 0.25 pts · high 6.39% / low 6.14% Oct 20, 20266.14%▼ from 6.39% Sep 30, 20266.39%first recorded
Auto Loans	-	-	6.29%	76 - 84 Months
Details As Low As; Model Year 2023 and Newer; Vehicle Value (Minimum) $20,000.00; Loan Amount (Minimum) $6,000.00; Rate assumes excellent creditworthiness and front-end loan to value at or below 90%; Minimum APR 5.19%, Maximum APR 11.39% Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.29% APR · checked 3 times
New & Used Auto Loans - 2022-2020 Model Year	-	-	6.39%
Details Model year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.39% APR · checked 3 times
New & Used Auto Loan - 2019 Model Year and Older	-	-	6.44%
Details Model year 2019; As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 6.44% APR · checked 4 times
New & Used Auto Loans	-	-	6.44%	1 - 63 Months
Details As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $3,000.00; Loan Amount (Minimum): $1,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 5.94% → 6.44% ▲ 0.50 pts · high 6.44% / low 5.94% Oct 20, 20266.44%▲ from 5.94% Sep 30, 20265.94%first recorded
New & Used Auto Loan - 76 - 84 Months	-	-	6.79%	76-84 months
Details As Low As; Model Year: 2023 and Newer; Vehicle value minimum $20,000.00; Loan amount minimum $6,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 6.79% APR · checked 3 times
New & Used Auto Loans	-	-	6.79%	76 - 84 Months
Details As Low As; Model Year: 2023 and Newer; Vehicle Value (minimum) $20,000.00; Loan Amount (minimum) $6,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 7.04% → 6.79% ▼ 0.25 pts · high 7.04% / low 6.79% Oct 20, 20266.79%▼ from 7.04% Sep 30, 20267.04%first recorded
New & Used Auto Loan - 2019 Model Year and Older	-	-	6.89%
Details Model year 2019; As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 6.89% APR · checked 4 times
New & Used Auto Loans	-	-	6.89%	64 - 75 Months
Details As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $12,000.00; Loan Amount (Minimum): $4,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 6.39% → 6.89% ▲ 0.50 pts · high 6.89% / low 6.39% Oct 20, 20266.89%▲ from 6.39% Sep 30, 20266.39%first recorded
New & Used Auto Loans - 2022-2020 Model Year	-	-	7.04%
Details Model year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.04% APR · checked 3 times
Auto Loans	-	-	7.29%	85 - 96 Months
Details As Low As; Model Year 2023 and Newer; Vehicle Value (Minimum) $40,000.00; Loan Amount (Minimum) $12,000.00; Rate assumes excellent creditworthiness and front-end loan to value at or below 90%; Minimum APR 5.19%, Maximum APR 11.39% Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.29% APR · checked 3 times
New & Used Auto Loan - 2019 Model Year and Older	-	-	7.54%
Details Model year 2019; As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 7.54% APR · checked 4 times
New & Used Auto Loans	-	-	7.54%	76 - 84 Months
Details As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $20,000.00; Loan Amount (Minimum): $6,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.54% / low 7.04% Oct 20, 20267.54%▲ from 7.04% Sep 30, 20267.04%first recorded
New & Used Auto Loan - 85 - 96 Months	-	-	7.79%	85-96 months
Details As Low As; Model Year: 2023 and Newer; Vehicle value minimum $40,000.00; Loan amount minimum $12,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 7.79% APR · checked 3 times
New & Used Auto Loans	-	-	7.79%	85 - 96 Months
Details As Low As; Model Year: 2023 and Newer; Vehicle Value (minimum) $40,000.00; Loan Amount (minimum) $12,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 8.04% → 7.79% ▼ 0.25 pts · high 8.04% / low 7.79% Oct 20, 20267.79%▼ from 8.04% Sep 30, 20268.04%first recorded
New & Used Auto Loans - 2022-2020 Model Year	-	-	8.04%
Details Model year 2020; As Low As; Model Year: 2022 - 2020; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00 Last Updated 10/31/2026 Rate History No change since Oct 20, 2026 · 8.04% APR · checked 3 times
New & Used Auto Loan - 2019 Model Year and Older	-	-	8.54%
Details Model year 2019; As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00 Last Updated 10/31/2026 Rate History No change since Oct 14, 2026 · 8.54% APR · checked 4 times
New & Used Auto Loans	-	-	8.54%	85 - 96 Months
Details As Low As; Model Year: 2019 Model Year and Older; Vehicle Value (Minimum): $40,000.00; Loan Amount (Minimum): $12,000.00 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 8.04% → 8.54% ▲ 0.50 pts · high 8.54% / low 8.04% Oct 20, 20268.54%▲ from 8.04% Sep 30, 20268.04%first recorded

PSECU RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans	-	6.74%	1 - 60 Months
Details As Low As; Loan Amount (Minimum): $3,000.00; Excellent creditworthiness required; Maximum APR is 16.24%; Valid as of 10/30/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 6.24% → 6.74% ▲ 0.50 pts · high 6.74% / low 6.24% Oct 20, 20266.74%▲ from 6.24% Sep 30, 20266.24%first recorded
Recreational Vehicle Loans	-	7.49%	61 - 96 Months
Details As Low As; Loan Amount (Minimum): $20,000.00; Excellent creditworthiness required; Maximum APR is 16.24%; Valid as of 10/30/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 6.99% → 7.49% ▲ 0.50 pts · high 7.49% / low 6.99% Oct 20, 20267.49%▲ from 6.99% Sep 30, 20266.99%first recorded
Recreational Vehicle Loans	-	8.24%	97 - 120 Months
Details As Low As; Loan Amount (Minimum): $35,000.00; Excellent creditworthiness required; Maximum APR is 16.24%; Valid as of 10/30/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 7.49% → 8.24% ▲ 0.75 pts · high 8.24% / low 7.49% Oct 20, 20268.24%▲ from 7.49% Sep 30, 20267.49%first recorded
Recreational Vehicle Loans	-	8.49%	121 - 180 Months
Details As Low As; Loan Amount (Minimum): $40,000.00; Excellent creditworthiness required; Maximum APR is 16.24%; Valid as of 10/30/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 7.74% → 8.49% ▲ 0.75 pts · high 8.49% / low 7.74% Oct 20, 20268.49%▲ from 7.74% Sep 30, 20267.74%first recorded
Recreational Vehicle Loans	-	8.74%	181 - 240 Months
Details As Low As; Loan Amount (Minimum): $60,000.00; Excellent creditworthiness required; Maximum APR is 16.24%; Valid as of 10/30/2026 Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 7.99% → 8.74% ▲ 0.75 pts · high 8.74% / low 7.99% Oct 20, 20268.74%▲ from 7.99% Sep 30, 20267.99%first recorded

PSECU Credit Card Rates

Product	Rate	APR	View More
Secured Visa Card	-	0.00%
Details Intro rate expires: 12 months; Regular APR: 9.90%; Balance transfer intro APR: 0.00%; Minimum collateral of $200 or 25% of credit limit, held in Regular savings share Last Updated 10/31/2026

PSECU Personal Loan Rates

Product	APR	Term
Personal Loans - 3-36 Months	8.99%	3-36 months
Details As Low As; Loan Amount (Minimum): $1,000.00 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 8.99% APR
Personal Loans - 37-60 Months	9.99%	37-60 months
Details As Low As; Loan Amount (Minimum): $3,000.00 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 9.99% APR
Personal Loans - 61-84 Months	11.99%	61-84 months
Details As Low As; Loan Amount (Minimum): $5,000.00 Last Updated 10/31/2026 Rate History No change since Oct 31, 2026 · 11.99% APR

PSECU Other Rates

Product	Rate	Points	APY/APR	Term
Classic Card	-	-	9.90%
Details Purchase Rate; Today's Featured Rates; promotional balance transfer and intro purchase rate offers available Last Updated 10/31/2026 Rate History No change since Sep 30, 2026 · 9.90% APR · checked 8 times
Founder's Rewards Card	-	-	16.15%
Details Balance transfer promotional APR: 4.90%; Rewards: 2% or 1.5% cash rewards on eligible purchases; rewards never expire Last Updated 10/31/2026 Rate History 1 change since Sep 30, 2026 · 15.90% → 16.15% ▲ 0.25 pts · high 16.15% / low 15.90% Oct 1, 202616.15%▲ from 15.90% Sep 30, 202615.90%first recorded
Real Estate Equity Loan - 10 Year Equity Loan-to-Value greater than 80% up to 90%	-	-	6.77%	10 Year
Details As Low As; Loan-to-Value greater than 80% up to 90%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 6.39% → 6.77% ▲ 0.38 pts · high 6.77% / low 6.39% Oct 26, 20266.77%▲ from 6.39% Oct 20, 20266.39%first recorded
Real Estate Equity Loan - 10 Year Equity Loan-to-Value up to 80%	-	-	6.27%	10 Year
Details As Low As; Loan-to-Value up to 80%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 5.89% → 6.27% ▲ 0.38 pts · high 6.27% / low 5.89% Oct 26, 20266.27%▲ from 5.89% Oct 20, 20265.89%first recorded
Real Estate Equity Loan - 15 Year Equity Loan-to-Value greater than 80% up to 90%	-	-	7.26%	15 Year
Details As Low As; Loan-to-Value greater than 80% up to 90%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 6.89% → 7.26% ▲ 0.37 pts · high 7.26% / low 6.89% Oct 26, 20267.26%▲ from 6.89% Oct 20, 20266.89%first recorded
Real Estate Equity Loan - 15 Year Equity Loan-to-Value up to 80%	-	-	6.77%	15 Year
Details As Low As; Loan-to-Value up to 80%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 6.39% → 6.77% ▲ 0.38 pts · high 6.77% / low 6.39% Oct 26, 20266.77%▲ from 6.39% Oct 20, 20266.39%first recorded
Real Estate Equity Loan - 20 Year Equity Loan-to-Value greater than 80% up to 90%	-	-	7.87%	20 Year
Details As Low As; Loan-to-Value greater than 80% up to 90%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 7.49% → 7.87% ▲ 0.38 pts · high 7.87% / low 7.49% Oct 26, 20267.87%▲ from 7.49% Oct 20, 20267.49%first recorded
Real Estate Equity Loan - 20 Year Equity Loan-to-Value up to 80%	-	-	7.36%	20 Year
Details As Low As; Loan-to-Value up to 80%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 6.99% → 7.36% ▲ 0.37 pts · high 7.36% / low 6.99% Oct 26, 20267.36%▲ from 6.99% Oct 20, 20266.99%first recorded
Real Estate Equity Loan - 5 Year Equity Loan-to-Value greater than 80% up to 90%	-	-	6.56%	5 Year
Details As Low As; Loan-to-Value greater than 80% up to 90%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 6.19% → 6.56% ▲ 0.37 pts · high 6.56% / low 6.19% Oct 26, 20266.56%▲ from 6.19% Oct 20, 20266.19%first recorded
Real Estate Equity Loan - 5 Year Equity Loan-to-Value up to 80%	-	-	6.07%	5 Year
Details As Low As; Loan-to-Value up to 80%; Minimum loan amount is $5,000 Last Updated 10/31/2026 Rate History 1 change since Oct 20, 2026 · 5.69% → 6.07% ▲ 0.38 pts · high 6.07% / low 5.69% Oct 26, 20266.07%▲ from 5.69% Oct 20, 20265.69%first recorded

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PSECU 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 PSECU 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 PSECU's official website for the most current offers and terms.

2026 MBR Health & Safety Badge

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Frequently Asked Questions About PSECU

Does PSECU offer CDs?

Yes. PSECU current CD rates include its 15 Month Promotional Rate CD 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 31, 2026.

Are CDs from PSECU NCUA insured?

Yes. PSECU 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 PSECU?

The highest PSECU CD rate is its 15 Month Promotional Rate CD at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

What CD terms does PSECU offer?

PSECU 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 31, 2026. The institution may offer other terms or specials that are not listed here, so check with PSECU for its full lineup.

What is the highest savings rate at PSECU?

The highest PSECU savings rate is its Youth Savings at 4.00% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest money market rate at PSECU?

The highest PSECU money market rate is its Money Market at 2.85% APY, verified by MonitorBankRates as of October 31, 2026.

What is the highest checking rate at PSECU?

The highest PSECU checking rate is its Checking at 0.10% APY, verified by MonitorBankRates as of October 31, 2026.

What is the lowest auto loan rate at PSECU?

The lowest PSECU auto loan rate is its Auto Loans at 5.19% APR, verified by MonitorBankRates as of October 31, 2026. PSECU auto loan rates are 5.69% APR for a 63 month auto loan, 6.14% APR for a 75 month auto loan, 6.79% APR for an 84 month auto loan and 7.79% APR for a 96 month auto loan.

What is the lowest personal loan rate at PSECU?

The lowest PSECU personal loan rate is its Personal Loans - 3-36 Months at 8.99% APR, verified by MonitorBankRates as of October 31, 2026. PSECU personal loan rates are 8.99% APR for a 36 month personal loan, 9.99% APR for a 60 month personal loan and 11.99% APR for an 84 month personal loan.

How many branches does PSECU operate?

PSECU 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 PSECU?

Yes, to access services at PSECU, 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, PSECU 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, PSECU provides members with tools to manage their accounts and build a solid financial history.

Does PSECU offer online and mobile banking?

Most modern institutions like PSECU 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 PSECU rates compare?

PSECU's CD rates are 5% higher than the MonitorBankRates national average. PSECU's top rates are its 15 Month Promotional Rate CD 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 Loans - 3-36 Months at 8.99% APR, verified by MonitorBankRates on October 31, 2026.

Current PSECU 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.

Compare to Other Credit Unions

PSECU Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

PSECU Texas Ratio

PSECU CD Rates

PSECU Savings Rates

PSECU Money Market Rates

PSECU Checking Rates

PSECU Home Equity & HELOC

PSECU Auto Loan Rates

PSECU RV, Boat and Powersport Loan Rates

PSECU Credit Card Rates

PSECU Personal Loan Rates

PSECU Other Rates

Methodology & Data Sources

PSECU earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About PSECU

Does PSECU offer CDs?

Are CDs from PSECU NCUA insured?

What is the highest CD rate at PSECU?

What CD terms does PSECU offer?

What is the highest savings rate at PSECU?

What is the highest money market rate at PSECU?

What is the highest checking rate at PSECU?

What is the lowest auto loan rate at PSECU?

What is the lowest personal loan rate at PSECU?

How many branches does PSECU operate?

Is a member application needed to join PSECU?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does PSECU offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do PSECU rates compare?

Current PSECU Rates

Compare to Other Credit Unions