Pennsylvania State Employees Credit Union
Headquarters
Po Box 67013
Harrisburg, PA 17106
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Phone 1-717-234-8484
2024 Overview
General Credit Union Information
Pennsylvania State Employees is an NCUA insured institution located in Harrisburg, PA. It was founded in 1933 and has approximately $8227.77 millions in assets.
Who can join?
You are eligible for membership at PSECU if any of the following apply to you:
You are a family member of a PSECU member (related by blood, law, or residing in the same household as a current member).
Your employer, school or association offers PSECU membership as a benefit. To check see if this applies, you may use the search below:
Who is your employer, association or college?
Check with site
http://www.psecu.com/join/?elig=1
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 64131 |
| Date Established | 1933 |
| Assets | $8,227.77 million |
| Loans | $6,526.59 million |
| Deposits | $7,422.04 million |
| Capital | $836.21 million |
Field of Membership Restrictions
Membership in Pennsylvania State Employees Credit Union is open to Pennsylvania residents who are members of Pennsylvania Recreation & Parks Society ($20 membership fee). Membership is also open to Pennsylvania state or local government employees, municipality or school district employees, students, faculty, staff and alumni of universities in the Pennsylvania State System, and over 1,000 Select Employer Groups.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Regular Share
|
0.50% | $0 | - |
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|
| Youth Savings
|
4.00% | $1 | $500 |
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|
| Youth Savings
|
0.50% | $501 | - |
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|
|
Money Market
|
2.50% | $500 | $4,999 |
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|
|
Money Market
|
2.50% | $5,000 | $19,999 |
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|
|
Money Market
|
2.50% | $20,000 | $49,999 |
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|
|
Money Market
|
2.75% | $50,000 | $99,999 |
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|
|
Money Market
|
3.00% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Months
|
4.50% | $500 | - |
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|
| 9 Months
|
4.90% | $500 | - |
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|
| 12 Months
|
5.15% | $500 | - |
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|
| 18 Months
|
4.09% | $500 | - |
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|
| 24 Months
|
3.25% | $500 | - |
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|
| 36 Months
|
3.15% | $500 | - |
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|
| 48 Months
|
3.05% | $500 | - |
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|
| 60 Months
|
2.95% | $500 | - |
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|
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
4.75% | 4.75% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
4.87% | 4.87% | $1,054.31 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.49% | 2.49% | $721.42 | |
| 4 Year | 3.49% | 3.49% | $558.79 | |
| 5 Year | 3.49% | 3.49% | $454.68 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
6.81% | 6.50% | $3,633.54 | |
| 15 Year Fixed Conforming See Amortization Table |
6.84% | 6.63% | $2,810.46 | |
| 20 Year Fixed Conforming See Amortization Table |
7.18% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.24% | 7.13% | $2,156.98 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 10 Year Fixed Conforming See Amortization Table |
6.81% | 6.50% | $3,633.54 | |
| 15 Year Fixed Conforming See Amortization Table |
6.84% | 6.63% | $2,810.46 | |
| 20 Year Fixed Conforming See Amortization Table |
7.18% | 7.00% | $2,480.96 | |
| 30 Year Fixed Conforming See Amortization Table |
7.24% | 7.13% | $2,156.98 | |
Compare with 6.944% APR and 6.750% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Pennsylvania State Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
PENNSYLVANIA STATE EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Pennsylvania State Employees Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Pennsylvania State Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Pennsylvania State Employees | U.S. Average |
|---|---|
| 8.02% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Pennsylvania State Employees had $70,178,263 in non-current loans and $1,588,723 in owned assets. To cover these potential losses it had $836,210,798 in net worth and $58,647,893 in loans loss reserves. That gives it a Texas Ratio of 8.02%.
Net Worth
| Pennsylvania State Employees | U.S. Average |
|---|---|
| 10.14% | 13.62% |
Pennsylvania State Employees FCU has a net worth of 10.14% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Pennsylvania State Employees
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