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As low as…APR
New Vehicles 2.89%
Used Vehicles 3.19%
VISA Credit Cards 4.99%

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Checking & Savings

At P&S Credit Union, you'll find more of what you want – more features, more benefits, more options. It's everything you need to make managing your money, quick easy, and convenient! We offer competitive rates to help you prepare for big events including college and retirement as well as 24-hour banking alternatives so that convenience and simplicity are at your finger tips. When you choose P&S Credit Union as a partner, we do everything in our power to help you achieve your goals.


Share Draft/Checking Account – Perfect for basic, day-to-day expenses! Enjoy no minimum balance requirements or monthly maintenance fees! Plus, earn monthly interest on your average daily balance and have the ability to write an unlimited number of checks! Available services to compliment your checking account include: Virtual Branch Online Banking, Bill Payment, VISA Debit Card, Overdraft Credit Line, Direct Deposit and Automatic Payments.

VISA® Debit/Check Card - Your Share Draft/Checking Account is not complete without a VISA® Debit/Check Card. It looks like a credit card but works just like a check. It gives you unparalleled convenience, immediate acceptance at merchants worldwide, and the security of knowing the world's top consumer card is backing your purchases—deducted directly from your Share Draft/Checking Account. And, an added bonus, use your P&S Credit Union VISA Debit/Check Card at over 28,000 ATMs! Take advantage of all the convenience our Visa® Check Card brings.

Overdraft Protection - Protect your credit score with an Overdraft Credit Line. Funds are automatically deposited (up to your credit limit) into your Share Draft/Checking Account when checks or withdrawals exceed your balance. This service is subject to credit approval.

Apply for P&S Credit Union Share Draft/Checking . . .


Share/Savings Account – The first account you open when you establish membership with P&S Credit Union! Designed to meet your basic savings needs, a minimum balance of $25 is required and a quarterly dividend for average daily balances over $100 is earned.

Additional Share Accounts – P&S Credit Union allows you to have up to six additional savings accounts under your regular account number to save for additional needs like taxes, insurance, back to school, vacation. Just like your primary Share/Savings Account, dividends are paid quarterly on the average daily balance.

Union Member Vacation Account – This special account is set up specifically for our UA Local 140 members. Select employers make monthly deposits into your account for vacation pay, and in turn, you can withdraw funds at your convenience. At the end of every month, employers calculate and process the amount of funds to send on behalf of their employees to P&S. By the 20th of the following month, P&S Credit Union verifies these employer deposits and immediately begins posting funds to participant’s accounts. (Please note accumulated account funds may not match employee pay stubs.) Dividends are paid quarterly on the average daily balance and if desired, members may use these funds to participate in our Automatic Dues Deduction service.
Learn more here >>

Apprentice Tuition Savings Account – This account is for apprentices participating in the Utah Career Center’s Plumbing Apprentice Program through the Salt Lake Community College. It is a free, easy and consistent way to set money aside for your apprentice tuition and books. There is no minimum balance requirement and participants earn a higher dividend, that’s paid monthly, on all funds deposited. Participants can avoid unwanted service fees or late payments and P&S Credit Union will make their tuition and book payments on their behalf. We understand your line of work and want to do what we can to help you pay for school and stay debt free. Learn more here >>

Lil' Piper Kid's Club Account – Help your child, grandchild, niece or nephew to learn about savings. The Lil’ Piper Kid's Club is a savings account for children 13 years old or younger. Birthday cards are sent, small gifts are given for deposits and an occasional fun party is held. A minimum deposit of $5 is required and dividends are paid on the average daily balance quarterly once the balance reaches $100. When the child reaches the age of 14 the balance requirement increases to $25 and the account is converted to a primary Share/Savings Account.

Holiday Club Account – Designed to help and save money separately for the holidays, this account does not allow regular withdrawals. A minimum of $5 is required for deposit and dividends are earned on the average daily balance, paid annually. Dividends are paid on October 31st of each year and then the account total is sent via check for you to cash and enjoy your holiday shopping.

Certificate of Deposit – For maximum dividends, invest in a P&S Credit Union Certificate of Deposit. This is a high-yielding deposit account in which funds are invested for a set period of time. Withdrawals cannot be made during a set "term" without incurring a penalty, but you are guaranteed to earn dividends at the stated dividend rate throughout that period. Certificate terms are 6 months, 1 year and 18 months.

Individual Retirement Account (IRA) – IRA deposit accounts are a great way to save for the future. P&S Credit Union offers Traditional, Roth, and Coverdell Education Savings Account IRAs. Rollovers from other financial institutions are accepted. The minimum to open an IRA account is $5 and unlimited deposits up to the legal limit are allowed. Dividends are paid quarterly on the average daily balance.

24-Hour Banking

Virtual Branch Online Banking – It's online banking 24/7! Virtual Branch Online Banking offers you free 24-hour access to your account information and transaction history for your P&S Credit Union accounts. You can pay your bills, make balance inquiries, request to stop payments, receive copies of a check, reorder checks, receive e-mail notifications, make transfers between accounts or even make a loan payment. As your full-service electronic branch, it's the quickest and most convenient way to manage your money. Interested in Virtual Branch? It's easy, enroll here today!

Mobile Banking - Connect with your P&S Credit Union account directly from the palm of your hand! Mobile Banking provides anyone enrolled in Virtual Branch Online Banking access to their account information from a mobile phone. Conduct account transactions through our Mobile Money Text or Alert Messaging, or the TouchBanking Mobile App for an even greater convenience. Get started today! Click to learn more about mobile banking.

Online Bill Payment - Stay in control of your monthly finances, while saving yourself time and money. Take advantage of P&S Credit Union's online bill payment service. You can rest assured that all your bills will be paid electronically on time, every time! Now you can pay bills at home, work or on the road. Accessed from within our online banking program, Virtual Branch, it's easy to signup!

Funds Transfers - How would you like to be able to move money between your financial accounts and safely make payments to friends, relatives, and businesses, all from one convenient location? P&S Credit Union offers Payroll Deduction, Automatic Account Transfers, ACH Payments, and Wire Services to assist with the movement of your money and help protect your credit. It's the best way to manage your finances anytime you want.

Direct Deposit - Quick, easy and secure! Why wait for your hard earned dollar? Direct deposit enables you to authorize a company or organization to electronically send money to your P&S Credit Union Share Savings or Checking Account on an agreed upon date.

Download a Direct Deposit form . . .

Shared Branches – Access over 5,000 branches nationwide through the CO-OP Shared Branch Network. Unique to the credit union industry this network allows you to perform any account transaction, just as if you were in our own lobby. Any Shared Branch can take care of your P&S financial business, including: deposits, withdrawals, transfers and balance inquiries.

Click here for more information and to find a branch near you . . .