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PSECU Rates & Review October 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 10, 2026
PSECU's top rates as of October 10, 2026 are 4.00% APY on its PromotionalRate CD - 15 month, 4.00% APY on savings, 2.85% APY on money market accounts, 0.10% APY on checking, personal loans from 8.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other PSECU CD rates include 18 Month CD at 3.65%, CDs & IRA CDs - 18 month at 3.65%, and 24 Month CD at 3.60%. 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 10/10/2026.
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 RatedNo current filing
Overall Health & Safety Grade
MonitorBankRates has no NCUA call report data for PSECU (no charter number on file), so it is not rated.
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
?
N/A
Not RatedNo current filing
MonitorBankRates Star Rating
MonitorBankRates has no NCUA call report data for PSECU (no charter number on file), so it is not rated.
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
?
N/A
Not RatedNo data
PSECU Texas Ratio
MonitorBankRates has no NCUA call report data for PSECU (no charter number on file), so it is not rated.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
No change since Sep 30, 2026 · 7.99% APR · checked 4 times
PSECU Credit Card Rates
Product
Rate
APR
View More
Secured Visa Card
-
9.90%
DetailsIntro Purchase Promotional APR: 0.00%; Balance Transfer APR: 0.00%; Balance Transfer Fee: 2.9% fee on each transfer applies during promo period
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 9.90% APR · checked 4 times
PSECU Personal Loan Rates
Product
APR
Term
View More
Personal Loans
8.99%
3-36 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 8.99% APR · checked 4 times
Personal Loans
9.99%
37-60 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 9.99% APR · checked 4 times
Personal Loans
11.99%
61-84 Months
DetailsAs Low As
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 11.99% APR · checked 4 times
PSECU Other Rates
Product
Rate
Points
APY/APR
Term
View More
10 Year Equity Loan
-
-
5.89%
10 Year
DetailsEquity Loan-to-Value up to 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.89% APR
10 Year Equity Loan
-
-
6.39%
10 Year
DetailsEquity Loan-to-Value greater than 80% to 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.39% APR
15 Year Equity Loan
-
-
6.39%
15 Year
DetailsEquity Loan-to-Value up to 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.39% APR
15 Year Equity Loan
-
-
6.89%
15 Year
DetailsEquity Loan-to-Value greater than 80% to 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.89% APR
20 Year Equity Loan
-
-
6.99%
20 Year
DetailsEquity Loan-to-Value up to 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.99% APR
20 Year Equity Loan
-
-
7.49%
20 Year
DetailsEquity Loan-to-Value greater than 80% to 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 7.49% APR
5 Year Equity Loan
-
-
5.69%
5 Year
DetailsEquity Loan-to-Value up to 80%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 5.69% APR
5 Year Equity Loan
-
-
6.19%
5 Year
DetailsEquity Loan-to-Value greater than 80% to 90%
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 6.19% APR
Classic Card Loan
-
-
9.90%
DetailsPurchase Rate. Plus, explore our promotional balance transfer and intro purchase rate offers.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 9.90% APR · checked 4 times
Founder's Rewards Card Loan
-
-
16.15%
DetailsRewards Program: 2% or 1.5% in cash rewards on eligible purchases; rewards never expire; Balance Transfer APR: 4.90%; Balance Transfer Fee:
Last Updated10/10/2026
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
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.
Q2 2026 MBR Health & Safety Badge
PSECU earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for PSECU yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
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Total Reviews
0
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Frequently Asked Questions About PSECU
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.
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.
Brian McKay
