CREDIT CARDS

FOCUS ON
WHAT MATTERS
TO YOU

No matter where you are in life, whether it’s looking for rewards to use the way you want, pay down balances or build your credit, we offer card options to fit your needs.

Rewards Cards

Visa Signature® Real Rewards Card

Enjoy chip-enhanced acceptance and security. See Consumer Card Features and Benefits for a complete listing of all card benefits.
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Rewards Program

  • Earn 1.5 points for every eligible net $1 you spend.
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Zero Fraud Liability.

Premier Rewards American Express® Card

Earn rich rewards and get superior travel and lifestyle benefits with this chip-enhanced card.
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Rewards Program

  • 4 points per $1 spent at eligible restaurants.
  • 3 points per $1 spent at eligible airlines.
  • 2 points for every $1 spent at eligible gas stations.
  • 1 point for every $1 spent on all other purchases.
  • No caps or limits on the points you can earn, plus five years to redeem points for rewards.
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months.
  • Zero Fraud Liability.
  • No foreign transaction fees.

Cash Rewards American Express® Card

For those who want cash back, this chip-enhanced card rewards you more for purchases made on gas and at supermarkets.
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Rewards Program

  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.
  • 2% cash back on supermarket net purchases.
  • 21% cash back on other everyday net purchases.
  • 1 point for every $1 spenton all other purchases.
  • No limit on total cash back that you can earn, and you have five years to redeem cash back.
  • $25 cash back reward bonus after first purchase.
  • Zero Fraud Liability.

Pay Down Balances
or Build Your Credit

Visa® Platinum Card

Enjoy a longer intro rate with the Platinum Card, you enjoy the everyday convenience of a non-rewards card while saving on interest and paying down your other credit card balances faster.
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Rewards Program

  • Introductory 0.00% APR for the first 20 billing cycles.
  • After the first 20 months, a variable APR, currently 9.99% to 17.99%.
  • No annual fee.

Secured Visa® Card

Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
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Rewards Program

  • Receive up to $5,000 credit limit
  • Variable APR currently 17.99%
  • Simply open a secured savings account that is pledged as security for your credit card account.
  • Remember, late payments and going over the credit limit may damage your credit history.

Visa Signature® College Real Rewards Card

Excellent opportunity for someone starting a credit history. There is no cap or limit on the points you can earn.
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Rewards Program

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
  • Reward bonus – $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.

Reloadable Card

Experience the benefits of our new prepaid debit card program through Member Access Pacific (MAP)! It’s Easy:

  1. Check Your Balance—Know how much you have available on the card before you shop.
  2. Present and Sign—Present the card to the cashier, sign the receipt, and go.
  3. You have the Power of Visa.

The MAP Prepaid debit card makes it easy for your employer to directly deposit your pay into your account each pay period – similar to direct deposit.

Current Rates

Today’s rates as of September 1, 2020.

Accounts

Account Name Rate Type Min. Opening Balance Min. To Earn Dividend  Dividend Rate Annual Percentage Yield
Regular/Special Business Var. $5 $50 .05% .05%
IRA Savings Var. $100 $100 1.00% 1.00%
Holiday/Vacation Var. $5 $50 .05% .05%
Summer Savings (Teachers) Var. $5 n/a 1.98% 2.00%
Simple Checking n/a $25 n/a .00% .00%
Kasasa Cash n/a $25 n/a .98% 1.00%
Dividend Checking Var. $25 $400 .05% .05%
Money Market
(Reg & IRA)
Var. $2,000 $2,000    
     $2,500 – $9,999 .10% .10%
     $10,000 – $24,999 .15% .15%
     $25,000 – $49,000 .20% .20%
     $50,000 – & Over

.25%

 

.25%

 

 Premium Money Market
(Reg & IRA)
Var. $50,000 $50,000
     $50,000 & Over .25% .25%

Terms

Term Type Min. Opening Balance Deposit Balance Dividend Rate Annual Percentage Yield
3 Month Reg $1,000 $1,000 & Over .10% .10%
IRA $1,000 $1,000 & Over .10% .10%
6 Month Reg $1,000 $1,000 & Over .25% .25%
IRA $1,000 $1,000 & Over .25% .25%
12 Month Reg $1,000 $1,000 & Over .50% .50%
IRA $1,000 $1,000 & Over .50% .50%
24 Month Reg $1,000 $1,000 & Over .75% .75%
IRA $1,000 $1,000 & Over .75% .75%
36 Month Reg $1,000 $1,000 & Over 1.00% 1.00%
IRA $1,000 $1,000 & Over 1.00% 1.00%
48 Month Reg $1,000 $1,000 & Over 1.24% 1.24%
IRA $1,000 $1,000 & Over 1.24% 1.24%
60 Month Reg $1,000 $1,000 & Over 1.49% 1.49%
IRA $1,000 $1,000 & Over 1.49% 1.49%

College Fund Certificate

Additional deposits can be made during the term of this certificate

 

Term Type Min. Opening Balance Deposit Balance Dividend Rate Annual Percentage Yield
12 Month $100 $100 & Over 1.00% 1.00%

The National Credit Union Administration insures member IRA accounts to $250,000 in addition to $250,000 insured on all other PSFCU savings accounts.

Auto Loans

We offer competitive pricing and easy repayment options to qualified members.  No time to shop for a car?  Let us help you find the right car with a Personal Car Shopper, included with your PSFCU membership.

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Checking Accounts

PSFCU offers checking accounts for every situation.  Whether you want great rewards from Kasasa, need a checking account for your small business, or just need a basic checking account to get started, PSFCU has you covered.

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