We Pulled Five HYSA Quotes. Penn-Cred Union HYSA Won This Week.
4.22% APY sounds like a teaser. After two weeks of testing, we don't think it is. Here's why Penn-Cred Union HYSA earns a slot on the floor — and where it falls short.
Savings · Penn-Cred Union HYSA
As of March 28, 2026 · APY
What we liked
- Tier table is published — no rate-bait surprises
- $0 minimum balance, no monthly maintenance fee
- Funds available next business day on first ACH
- Headline 4.22% APY held during our two-week test pull
Watch outs
- ATM access is via partner network rather than direct cards
- No physical branches — entirely online
If the Fed is going to keep rates where they are, the question for cash isn't 'where can I get 5%?' It's 'where can I get 4.5% without a balance trap?' Penn-Cred Union HYSA is the cleanest answer this week.
Funding speed and ACH
First ACH funded next-business-day. Outbound ACH limits are the standard $25K daily, $50K monthly. Wire-out fee is $20, which is in line with peers. Mobile check deposit limit was $10K, which is generous compared to the credit-union desks we tested.
How we tested
We opened a soft-pull control account with Penn-Cred Union HYSA on a Monday and tracked the posted APY against the published rate every day for two weeks. We also matched every fee disclosure against the application flow. The test account funded with $2,500 — small enough to test minimum-balance traps, large enough to avoid promo-rate caps. The 4.22% APY held every day of the pull period. The minimum-balance language said '$0' on the application, which was true.
Where the rate breaks
Penn-Cred Union HYSA's tier table looks simple but isn't. The 4.22% APY headline applies to balances under $250K. Above that, the rate steps down by 0.05 per tier. For most households this is moot. For households parking proceeds from a home sale, it's the difference between a 12-month plan and a 6-month plan. We surfaced the steps in the table further down.
Compared to our other top picks
Apex HYSA is currently 0.05 lower at 4.10, but Apex's transfer limits are double Penn-Cred Union HYSA's. Vault Online is at the same headline but charges $5/month if balance drops below $1,000. Penn-Cred Union HYSA has no minimum and no fee. For most households that math wins.
What's next on the floor
Penn-Cred Union HYSA's 4.22% APY stays on the high-yield savings watchlist for the next two weeks. We'll re-pull rates Sunday night and post any meaningful change in the next Weekly Rate Floor. If you've used Penn-Cred Union HYSA recently and your experience differed from what we wrote here, drop a comment below — we read everything that lands on the floor.
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