Routing #325180029

Account Services

We have many services for you to choose from.

Deposit Accounts

Deposit Account Details

Puget Sound Refinery Federal Credit Union offers many deposit account options to help you save and plan for your future.

All of our deposit accounts are Federally Insured by the NCUA up to $250,000.00, which means that your money is safe with us!


This is your membership, which has a $50.00 minimum balance requirement. You may deposit and withdraw at any time. You can also set up payroll deduction or direct deposit with your employer HF Sinclair, or any other financial institution. This is also an interest-bearing account with dividends posted quarterly, as determined by the Board of Directors.

Call us today for information on how to set up automatic ACH deposits to your credit union account!

Minors have a $5.00 minimum balance requirement for membership. You will need an image/copy of their birth certificate and Social Security card which can be uploaded online, emailed, or sent into the Credit Union to finalize the membership application.


When a minor’s Super Saver account has a $500 deposit, we will pay 1.00% above the Prime Rate to get them off to a great start to be savers for life! This rate is tied to the current Prime Rate plus 1%. Talk to your kids about financial responsibility. Call now for details.


Open a Christmas Club accounts with $25 and a $25 minimum reoccurring automatic deposit (ACH) to grow your account. Funds will gain 3.5% interest over the year and are accessible beginning November 1st through December 31st.

Click on It’s Me 24/7 and go to New Accounts. Select “More Share Info” and then “Open” under Christmas Club, you’ll transfer $25 to open the account and then set up a reoccurring monthly deposit of at least $25 under the Pay & Transfer tab at the top of the page. You can also set up a direct deposit from your payroll. Ask us how.

If you run into a need to draw from this account you can access the funds twice a year for a $10 fee each time.

Dividend & Savings Rates

Account TypeRate
Share Accounts0.50%
Sub Share0.50%
Youth Share0.50%
Youth Super Saver9.50% (up to $500) *
6 month CD ($25,000 minimum)4.25% **
1 year CD ($25,000 minimum)4.00% **
18 month CD ($25,000 minimum)4.00% **
2 year CD ($50,000 minimum)3.50% **
3 year CD ($50,000 minimum)3.50% **
Christmas Club Account3.50% (up to $10,000) ***
* Youth Super Saver accounts are limited to a $500 min/max balance and earn 1.00% above current Prime Rate on $500. This rate is tied to the current Prime Rate plus 1%.If the account were to drop below $500, it would revert to the Youth Share account and rate.
** CD rate changes apply to new money. Ask us about our CD rates as they are always in motion. There is a 180-day interest earned early withdrawal penalty to close a CD prior to maturity.
*** A $25.00 monthly transfer required from an outside financial institution.

Online and Mobile Banking

Online and Mobile Banking Details

Enroll now at It’s Me 24/7, or stop by the Credit Union for help.

PSRFCU offers Online Banking to give you more access and control over your accounts 24 hours a day, 7 days a week. Manage your money from any Internet-enabled computer when it’s convenient for you.

Online Banking allows you to:

  • Check balances on your accounts
  • Transfer funds between your accounts
  • Remote Deposit Capture
  • Access and search transaction history
  • Print member savings and loan statements
  • View pending transactions
  • Review your PSRFCU loans – including Collateralized, Share Secured and Signature
  • Export account information to use with other computer software
  • Open additional accounts – PSRFCU members can open additional savings accounts online.
  • Minors need an image of their birth certificate and Social Security card, and new members over 18 need a copy of their driver’s license or ID card.
  • Request new loans by filling out an online loan application. You can even upload images of the title/registration of the 3rd party you are purchasing from and your most recent pay stub to complete the process
  • And much more to come!

Itunes and Google Apps are here! Login now to try our new fingerprint, voice recognition, and facial recognition access. In the app click the padlock icon to sign in to your account. To learn more about how to log in and use the mobile app there is a helpful video.

Additional Services and Fees

Additional Services

Along with savings and loan services, Puget Sound Refinery Federal Credit Union offers a number of other services to its members. These services are simply meant to help enhance your benefits as a member of the credit union and they are available to you either for free or at a discounted cost.

Members can take advantage of the following additional services at no cost:

  • Fax
  • Notary
  • Copies
  • Take member’s checks to guard gate for pick-up
  • Local bank deposits done same day if requested before 12:30pm
  • Shredding services

Current Fees

PSRFCU Fee Schedule
$3.00Per month/quarter paper statement, members requesting after 05/01/18 or historical after 18mo
$10.00Debit Card Replacement Fee
$42-$62Expedited Debit Card Replacement *expense is passed through to the member
$5.00Dormant fee/month after 18 months of non-use
$5.00One-time charge when you purchase a CU Money reloadable debit card.
$10.00Returned item charge back fee *
$10.00Early withdrawal from Christmas Club Account
$10.00Return ACH fee (added on to balance of loan) *
$25.00Late fee on loans paid more than 15 days past the due date of the last day of the month
$50.00Skip a Pay fee - $25 to fund the scholarship program
$50.00Extension fee - Allowed 2 times during life of loan and 1 time per year with qualified hardship
$25.00Foreign Deposit Fee
$20.00Incoming Domestic Wire fee
$35.00Outgoing Domestic Wire fee
$37.00Stop Payment fee on lost checks
$50.00Loan application fee
$750.00Home Equity Line of Credit (HELOC) loan application fee
$30.00Per hour research rate
$500.00Minimum fee charged for repossession
$500.00Member Fresh Start Loan Program - Fee charged for members with credit below 600

There is a 180-day interest earned early withdrawal penalty to close a CD prior to maturity. International Fees are passed on to the member. Fees vary depending on location.

* NSF returns will be paused until noon each day. If we receive the money to cover the NSF before noon it will not be returned, and there will not be a fee.