What are the current interest rates at Public Service Credit Union?

Current rates for Public Service Credit Union include: 12-Month CD: 3.20%, 18-Month CD: 3.35%, 24-Month CD: 3.35%, 60-Month CD: 3.75%, Savings: 0.01%, MMA: 0.20%

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Public Service Credit Union

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Public Service Credit Union Rates & Review September 2026

Q: Is a member application needed to join Public Service Credit Union?

Yes, to access services at Public Service Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Public Service Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Public Service Credit Union's Jumbo CD 3 month rates are at 4.32%, Jumbo CD 3 month rates are at 4.32%, Jumbo CD 3 month rates are at 4.06%, Jumbo CD 3 month rates are at 4.06%, 5 Month CD Specials rates are at 4.05%. Public Service Credit Union's savings rates are at 0.01%. Public Service Credit Union's money market rates are at 0.20%. Public Service Credit Union's RV, Boat and Powersport Loan Rates are as low as 6.74%. MonitorBankRates evaluates the financial stability of Public Service Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.09%. Rates last updated and verified on 09/21/2026.

Public Service Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Public Service Credit Union? Share your experience about Public Service Credit Union by leaving a review below, or read customer reviews before you decide to use Public Service Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.09%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Public Service Credit Union
Public Service Credit Union

7665 Merriman Rd
Romulus, MI 48174-1920

https://www.pscunow.com

Public Service Credit Union CD Rates

Product	Rate	APY	Term
Jumbo CD 3 month	4.25%	4.32%	3 Months
Min Deposit $3,000,000 Details Min: $3,000,000 Max: $6,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Jumbo CD 3 month	4.25%	4.32%	3 Months
Min Deposit $1,000,000 Details Min: $1,000,000 Max: $6,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Jumbo CD 3 month	4.00%	4.06%	3 Months
Min Deposit $500,000 Details Min: $500,000 Max: $6,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Jumbo CD 3 month	4.00%	4.06%	3 Months
Min Deposit $250,000 Details Min: $250,000 Max: $6,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
5 Month CD Specials	4.00%	4.05%	5 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
7 Month CD Specials	4.00%	4.03%	7 months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
60 Month CD IRA	3.75%	3.75%	60 mos*
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 60 month	3.75%	3.75%	60 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 60 month	3.75%	3.75%	60 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 60 month	3.75%	3.75%	60 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 60 month	3.75%	3.75%	60 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 60 month	3.75%	3.75%	60 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 48 month	3.70%	3.70%	48 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
48 Month CD IRA	3.65%	3.65%	48 mos*
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 48 month	3.65%	3.65%	48 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 48 month	3.65%	3.65%	48 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 48 month	3.65%	3.65%	48 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 48 month	3.65%	3.65%	48 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 36 month	3.55%	3.55%	36 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Save to Win CD 12-month	3.50%	3.55%	12-Months
Min Deposit $25 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
23 Month Certificate	3.50%	3.50%	23 Months
Min Deposit $1,000 Details Min: $1,000 Max: $1,000,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
36 Month CD IRA	3.50%	3.50%	36 mos
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 36 month	3.50%	3.50%	36 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 36 month	3.50%	3.50%	36 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 36 month	3.50%	3.50%	36 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 36 month	3.50%	3.50%	36 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Relationship CD 18-month	3.50%	3.50%	18-Months
Min Deposit $500 Details Min: $500 Max: $10,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 24 month	3.40%	3.40%	24 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
18 Month CD IRA	3.35%	3.35%	18 mos
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
24 Month CD IRA	3.35%	3.35%	24 mos
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 18 month	3.35%	3.35%	18 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 24 month	3.35%	3.35%	24 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 18 month	3.35%	3.35%	18 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 24 month	3.35%	3.35%	24 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 18 month	3.35%	3.35%	18 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 24 month	3.35%	3.35%	24 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 18 month	3.35%	3.35%	18 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 24 month	3.35%	3.35%	24 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 18 month	3.35%	3.35%	18 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 12 month	3.30%	3.30%	12 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Grow With Me CD 12-month	3.30%	3.30%	12-Months
Min Deposit $25 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier V - 6 month	3.25%	3.28%	6 months
Min Balance $250,000 Details minimum $250,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 12 month	3.25%	3.25%	12 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
12 Month CD IRA	3.20%	3.20%	12 mos
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 12 month	3.20%	3.20%	12 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 12 month	3.20%	3.20%	12 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 12 month	3.20%	3.20%	12 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier IV - 6 month	3.15%	3.17%	6 months
Min Balance $100,000 Details minimum $100,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
6 Month CD IRA	3.10%	3.12%	6 mos
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD Tier I - 6 month	3.10%	3.12%	6 Months
Min Deposit $500 Details minimum $500; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier II - 6 month	3.10%	3.12%	6 months
Min Balance $10,000 Details minimum $10,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
CD: Tier III - 6 month	3.10%	3.12%	6 months
Min Balance $50,000 Details minimum $50,000; Dividends Paid: annually Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Savings Rates

Product	Rate	APY
Club Account/Round Up	0.01%	0.01%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Regular Savings	0.01%	0.01%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.70%	0.70%
Min Balance $500,000 Details Balance: $500,000.01+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Money Market	0.50%	0.50%
Min Balance $250 Details Balance: $250.000 - $500,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Money Market	0.45%	0.45%
Min Balance $100 Details Balance: $100.000.01 - $250,000; Balance: $100.000.01 - $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000.01 - $100,000; Balance: $25,000.01 - $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Money Market	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500 - $25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Money Market	0.20%	0.20%
Min Balance $100 Details Balance: $100.01 - $2500.00 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Checking Rates

Product	Rate	APY
Direct Advantage Plus Checking	-	4.00%
Min Balance $10,000 Details Qualifications Required: Must have $1,500+ in monthly direct deposit; Must Conduct 10+ debit card purchases/month (excluding ATM withdrawals); Dividends paid monthly (on balances up to $10,000) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Direct Advantage Plus/Checking Account	4.00%	4.00%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity (Up To 180 MOS)	-	-	6.75%
Details Condition: Up to 80% LTV*. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Home Equity Variable Rate HE / HELOC	-	-	7.00%
Details Condition: Up to 80% LTV*. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Home Equity Variable Rate HE / HELOC	-	-	7.25%
Details Condition: Up to 90% LTV*. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Home Equity (Up To 180 MOS)	-	-	7.50%
Details Condition: Up to 90% LTV*. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Vehicle Loan	-	-	4.74%	Up to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
New/Used Vehicle Loan	-	-	4.99%	61-72 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
New/Used Vehicle Loan	-	-	5.99%	73 - 84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
New/Used Vehicle Loan	-	-	6.49%	85-96 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats > 18', Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles Loan	-	5.99%	Up to 84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Boats > 18', Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles Loan	-	6.24%	Up to 180 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Boats > 18', Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles Loan	-	6.49%	Up To 240 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Personal Powersports & Small Boats Loan	-	6.74%	Up to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Personal Powersports & Small Boats Loan	-	7.24%	61-84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Personal Loan Rates

Product	APR	Term
Personal Powersports & Small Boats Loan	6.74%	Up to 60 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Personal Powersports & Small Boats Loan	7.24%	61-84 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
Anyday Everyday Personal Loan	10.25%
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Public Service Credit Union Other Rates

Product	Rate	Points	APY/APR
Anyday Everyday \| NextGen Line of Credit	-	-	10.75%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
IRA Accounts	1.20%	-	1.20%
Min Balance $500,000 Details Balance: $500,000.01+ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
IRA Accounts	1.00%	-	1.00%
Min Balance $250,000 Details Balance: $250,000.01- $500,000; Balance: $250,000.01- $500,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
IRA Accounts	0.70%	-	0.70%
Min Balance $100,000 Details Balance: $100,000 - $250,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
IRA Accounts	0.50%	-	0.50%
Min Balance $25,000 Details Balance: $25,000 - $100,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
IRA Accounts	0.30%	-	0.30%
Min Balance $2,500 Details Balance: $2,500 - 25,000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%
IRA Accounts	0.10%	-	0.10%
Min Balance $100 Details Balance: $100.01 - 2,500 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.09%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Public Service Credit Union’s Texas Ratio fell from 8.29% in Q2 2023 to 5.09% in Q1 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$459M	5.09%	5.0	A+
December 31, 2025	$452M	6.90%	5.0	A
September 30, 2025	$434M	6.17%	5.0	A
June 30, 2025	$430M	6.71%	5.0	A
March 31, 2025	$421M	7.49%	5.0	A
December 31, 2024	$419M	10.61%	5.0	A
September 30, 2024	$418M	10.35%	5.0	A
June 30, 2024	$425M	8.57%	5.0	A
March 31, 2024	$424M	8.48%	5.0	A
December 31, 2023	$416M	8.93%	5.0	A
September 30, 2023	$412M	8.04%	5.0	A
June 30, 2023	$405M	8.29%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Public Service Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Public Service Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Public Service Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Public Service Credit Union

Website https://www.pscunow.com

Address 7665 Merriman Rd, Romulus, MI 48174-1920

Phone 734-641-8400

Fax 734-641-8470

President Fred Morgan

CEO Dean Trudeau

Full-Time Employees 111

Part-Time Employees 18

Branch Locations 11

ATM Locations 14

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.09%

Return on Assets (ROA)

0.2596%

Return on Equity (ROE)

2.2365%

Non-Performing Loans Ratio (NPL)

1.01%

Total Assets

459,432,136

Total Amount of Shares and Deposits

385,996,065

Total Shares and Deposits < 1 Year

372,390,477

Total Shares and Deposits 1 3 Years

11,958,682

Total Shares and Deposits > 3 Years

1,646,905

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

27,570,015

Total Uninsured Shares and Deposits > $250K (F+J)

27,570,015

Total Insured Shares and Deposits > $250K (item 17 less item K)

358,426,050

Total Interest Expense (Sum of items 6 8)

1,418,339

Share Certificates

3,161

Number of Accounts for Share Drafts

19,308

IRA KEOGH Accounts

618

Number of Accounts for Regular Shares

36,492

All other shares

Non Member Deposits

6,921

Money Market Shares

1,905

Net Income (unless the amount is already included in Undivided Earnings)

1,192,772

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

26,094,337

Total Liabilities

412,023,910

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Public Service Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Public Service Credit Union

How many branches does Public Service Credit Union operate?

Public Service Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Public Service Credit Union?

Yes, to access services at Public Service Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Public Service Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Public Service Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Public Service Credit Union offer online and mobile banking?

Most modern institutions like Public Service Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pscunow.com.

Current Public Service Credit Union Rates

12-Month CD3.20%
18-Month CD3.35%
24-Month CD3.35%
60-Month CD3.75%
Savings0.01%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

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Public Service Credit Union Rates & Review September 2026

Brian McKay

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Public Service Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Public Service Credit Union

How many branches does Public Service Credit Union operate?

Is a member application needed to join Public Service Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Public Service Credit Union offer online and mobile banking?

Current Public Service Credit Union Rates

Compare to Other Credit Unions