Business Details
14 Years
experience
Your Community Credit Union for Personalized Banking
Public Service Credit Union operates with the philosophy of 'People Helping People,' dedicated to supporting members through life's milestones. We offer competitive interest rates, comprehensive financial services, and robust identity theft protection through our Direct Advantage Plus checking accounts. As a member-owned institution, every benefit we provide directly enhances our members' financial well-being.Our services include personal and business banking solutions, loan programs for major life events, and digital tools for convenient financial management. With a focus on community engagement and member satisfaction, we combine modern financial technology with personalized service to help individuals and businesses achieve their goals.
Services
Checking Accounts
Savings Accounts
Personal Loans
Credit Cards
Business Banking
Details
- Year established: 2012
Highlights and features
- We operate as a member-owned credit union prioritizing your financial success
- Our Direct Advantage Plus accounts include advanced identity theft protection
- Competitive loan rates for auto, home equity, and personal financing needs
- 24/7 digital banking with biometric authentication for secure access
- Community-focused approach with local decision-making and support programs
Associations and certifications
- NCUA
- Equal Housing Employer
What people say
Exceptional service
Super responsive
Very helpful
Outstanding service
Professional and helpful
Services
Checking Accounts
Our Direct Advantage Plus checking accounts offer competitive rates with advanced identity theft protection. Members benefit from 24/7 digital access, instant issue debit cards, and personalized financial management tools. These accounts combine security features with convenient banking options for everyday financial needs.
Home Equity Loans
Home equity loans available at 6.50% APR provide funding for home improvements, debt consolidation, or major purchases. These secured loans offer predictable payments and potential tax advantages while helping members leverage their home equity for financial growth opportunities.
Digital Banking
24/7 digital banking platform enables account management, bill payments, and fund transfers through secure mobile and online portals. Features include biometric authentication, e-statements, and real-time balance monitoring to support modern financial management needs with enhanced security protocols.
Business Services
Business banking solutions include merchant processing, payroll services, and commercial loans tailored to local enterprises. Our Treasury management tools and remote deposit capture help businesses streamline financial operations while benefiting from personalized support and competitive rates.
Personal Loans
Personal loans starting at 10.25% APR provide flexible financing for debt consolidation, unexpected expenses, or special purchases. These unsecured loans offer quick approval processes and fixed repayment terms to help members achieve financial stability through responsible borrowing.
Questions
What types of personal loans do you offer?
We provide auto loans, home equity loans, recreational vehicle loans, and personal loans with competitive rates starting at 4.80% APR.
How can I access digital banking services?
Our online and mobile banking platforms offer 24/7 account access for balance checks, transfers, bill payments, and secure document sharing.
Are my deposits insured?
Yes, all deposits are federally insured up to $250,000 by the NCUA with additional coverage through the full faith of the US government.
What business banking solutions are available?
We offer merchant processing, payroll services, commercial loans, and Treasury management tools tailored to Michigan businesses of all sizes.
How do I report a lost or stolen card?
Contact our 24/7 card service at 888-241-2510 for immediate assistance with lost or stolen card reporting and replacement.
What community programs do you support?
We operate on-site food pantries at multiple branches and offer scholarships to local students through our community partnerships program.
