|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Public Service Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 31, 2026
Public Service Credit Union's Jumbo CD 3 month rates are at 4.32%, Jumbo CD 3 month rates are at 4.06%, 5 month rates are at 4.05%, 7 month rates are at 4.03%, CD IRA 60 mos rates are at 3.75%. Public Service Credit Union's money market rates are at 0.20%. Public Service Credit Union's Personal Loan Rates are at 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 08/31/2026. 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. Public Service Credit Union
Public Service Credit Union 7665 Merriman Rd
https://www.pscunow.com Romulus, MI 48174-1920 
Public Service Credit Union CD Rates
Public Service Credit Union Savings Rates
Public Service Credit Union Money Market Rates
Public Service Credit Union Checking Rates
Public Service Credit Union Home Equity & HELOC
Public Service Credit Union Auto Loan Rates
Public Service Credit Union Personal Loan Rates
Financial Health HistoryPublic 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 amber line marks the 15% level a credit union must stay under 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 threshold
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates 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
34
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
Customer Reviews
There are no reviews for Public Service Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Public Service Credit Union
Frequently Asked Questions About Public Service Credit UnionHow 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
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Emblem Credit Union
Coconino Federal Credit Union
MCALESTER AAP
Illinois State Credit Union
One Nevada Credit Union
First Community Credit Union
State Agencies Federal Credit Union
Union Baptist Greenburgh Federal Credit Union
Delaware River and Bay Authority Employees Federal Credit Union
Community Resource Federal Credit Union
VALLEY AGRICULTURAL
PML Employees Federal Credit Union
Salal Credit Union
LOCAL 804
Credit Union of America
Kemba Credit Union
Pinn Memorial Federal Credit Union
Telcoe Federal Credit Union
SMW 104 Federal Credit Union
Public Service Credit Union
Marquette Community Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking