For the second year in a row, the $4 billion PSECU said it will issue a $10 million Relationship Reward toits membership.

The Harrisburg, Pa.-based credit union said in a Thursdayrelease it generated 2013 earnings in excess of funds needed tocover operating expenses and capital reserves, prompting thepayout.

Eligible members will receive a minimum payout of $10, with thefinal amount for each member determined by two components. Thefirst is usage of eligible products and services, which earns afixed dollar amount. The second component is a percentage payoutbased on both the amount the individual member and the entiremembership received in total dividends earned and interest paid inthe past year.