| APR for purchases | — | |
| APR for balance transfersintroductory rate first |
| Introductory | 4.90%PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 16.15% variablePENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | Enjoy no annual feePENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees |
| Cash advance | $0, Access funds through nearly 85,000+ ATMs in our network with no cash advance fees.PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | — | |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | up to $27 — Up to $27PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Returned payment | — | |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular | PSECU is offering a promotional rate of
4.90%
APR on all Visa balance transfers that post to your account on 7/1/2026 through 12/31/2026 (“promotional period”). Any Visa balance transfers that post to your account after 12/31/2026 are not eligible for this promotional rate offer. The promotional rate will continue to apply to Visa balance transfers made during the promotional period until 12/31/2027. Thereafter, any remaining unpaid portion of your original balance transfer(s) made during the promotional period will be subject to the current APR for balance transfers, which is 16.15% APR as of 10/13/2026 10:05:19 PM. APR denotes Annual Percentage Rate. This is a variable rate equal to the Prime Rate plus a margin of 9.15% and is subject to change at any time. Visa balance transfers are limited to the available credit of your Visa credit limit. PSECU Visa Business Cards are not eligible for this promotional rate offer. Payments will be applied as stated in your PSECU PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back; up to 2% when conditions are met. Payment timing is not disclosed.
You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Cash back | 1.50% cash back; up to 2% when conditions are met. Payment timing is not disclosed.
You can earn 1.5% cash rewards on purchases. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. Some exclusions may apply. See the PENNSYLVANIA STATE EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
