The Pennsylvania State Employees Credit Union is on of the largest credit unions in Pennsylvania. It has $4.3 billion in assets and over 416,000 members. Its return on average assets in 2013 was 0.42%. It has a 0.1% account yield, no minimum amount to open an account and no monthly service fee. The penalty for nonsufficient funds is $30. The Pennsylvania State Employees Credit Union has a five star rating with Bauer Financial and an A+ BBB rating.