Savings Rates

Effective September 25, 2023

Basic Share Savings1,30.30% APY
Kid's Club1,30.30% APY
Teen Club1,30.30% APY
Club Accounts2,30.30% APY
Special Accounts30.30% APY
Premier Checking1,3 0.05% APY ($2,000 min. balance earns dividends)
Money Market1,3
up to $2,499 0.20% APY
$2500 - $9999 0.30% APY
$10000 - $24999 0.40% APY
$25000 - $49999 0.50% APY
$50000 - $99999 0.75% APY
$100000 + 1.00% APY

Share Certificates

($500 min. deposit; early withdrawal penalties apply)

Compounded Share Certificate Terms1,2
6 mo. 2.50% APY
9 mo. 2.50% APY
12 mo. 2.75% APY
15 mo. 2.40% APY
18 mo. 2.30% APY
24 mo. 2.35% APY
30 mo. 2.30% APY
36 mo. 2.25% APY
48 mo. 2.20% APY
60 mo. 2.10% APY
Monthly Dividend Certificate1,2
6 mo. 2.50% APY
9 mo. 2.50% APY
12 mo. 2.75% APY
15 mo. 2.40% APY
18 mo. 2.30% APY
24 mo. 2.35% APY
30 mo. 2.30% APY
36 mo. 2.25% APY
48 mo. 2.20% APY
60 mo. 2.10% APY

Individual Retirement Accounts (IRAs)1,2

($500 minimum deposit; early withdrawal penalties apply)

Roth, Educational & Regular
6 mo. 2.50% APY
9 mo. 2.50% APY
12 mo. 2.75% APY
15 mo. 2.40% APY
18 mo. 2.30% APY
24 mo. 2.35% APY
30 mo. 2.30% APY
36 mo. 2.25% APY
48 mo. 2.20% APY
60 mo. 2.10% APY
Accumulative3
0.30% APY / 0.30% APY

APY - quarterly compounding interest
APY - monthly interest paid to share

1Minimum balance requirements apply.

2Early withdrawal penalties & fees apply.

3Interest rate is variable, and the Board of Directors sets rates quarterly. The National Credit Union Administration, a U.S. Government Agency, federally insures your savings up to at least $250,000. IRA investments are insured up to an additional $250,000.

*APY denotes Annual Percentage Yield.

*APR denotes Annual Percentage Rate.

Although this site is intended to be accurate, rate listings are for informational purposes only. All rates are subject to change without notice. Please contact Penn State Federal for a rate quote.