Maximize Your Membership: The PSECU Advantage
At Pennsylvania State Employees Credit Union, we don't pay "interest"—we pay dividends. Because you are a member-owner, our profits go back to you. This calculator helps you forecast exactly how those dividends stack up over time, turning your monthly deposits into a substantial financial safety net.
Understanding "Shares" vs. "Savings"
You might notice different terminology at PSECU. Here is a quick translation guide for using this calculator:
Regular Share
This is your primary savings account. It establishes your membership and earns steady dividends.
Money Market Share
Offers higher potential rates for larger balances, while keeping your funds accessible.
Certificate
Lock in a rate for a set term (e.g., 12 to 60 months) to maximize your APY.
The Founder's Card Effect
Many PSECU members accelerate their savings using cash rewards. If you have the Founder's Card, you can deposit your earned cash back directly into your savings account. Enter that estimated monthly amount into the "Monthly Contribution" field above to see how your credit card spending can actually build your wealth.
Dividend FAQ
Q: When are dividends posted?
A: PSECU typically posts dividends to your account on the last day of the month.
Q: Is there a minimum balance to earn?
A: For most Regular Share accounts, you earn dividends on every dollar, starting from
the first penny ($0.01).
Q: Can I lose money?
A: No. Your shares at PSECU are federally insured by the NCUA, providing the same level
of protection as FDIC insurance at a bank.
Not a member yet? Join PSECU today to start earning competitive dividends.