Public Service Credit Union is a member-owned Michigan credit union serving Metro Detroit since 1951. Offering checking and savings accounts, auto loans, personal loans, home equity loans and lines of credit, mortgages, credit cards, and business banking through 11 branches across Metro Detroit and full digital banking access. Membership is open to anyone who lives, works, worships, or attends school in Michigan. Deposits are federally insured by NCUA.
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Why you can trust Public Service Credit Union
Our Values
Public Service Credit Union is at the top of the list for member service. Every one of our members is a part-owner of the credit union, which means that whatever benefits the credit union also benefits you as a member.
In addition to competitive interest rates and high-quality financial services, Public Service Credit Union offers extensive identity theft protection with its Direct Advantage Plus checking accounts in order to ensure that our member's savings and credit scores remain in the best standing possible.
Switching to Public Service Credit Union is as easy as a couple of clicks, and changing your financial institution will grant you access to a huge range of member benefits such as our expert financial advice.
About Public Service Credit Union
Public Service Credit Union was founded in 1951 as Wayne County Employees Federal Credit Union and has served Michigan members for 75 years. PSCU is a not-for-profit financial cooperative owned by its members, headquartered in Romulus, Michigan, with branches in Detroit, Garden City, Redford, Trenton, Warren, Flat Rock, Grosse Ile, Oak Park, and Romulus.
As a credit union, PSCU returns earnings to members through account and loan terms rather than to outside shareholders. Deposits are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government agency. Equal Housing Opportunity.
Frequently Asked Questions
What is Public Service Credit Union?
Public Service Credit Union, also known as PSCU, is a member-owned Michigan credit union founded in 1951 and headquartered at 7665 Merriman Road in Romulus, Michigan. PSCU provides checking and savings accounts, consumer and home equity loans, mortgages, credit cards, business banking, and digital banking services to members across Michigan.
Who can join Public Service Credit Union?
Membership is open to anyone who lives, works, worships, or attends school in Michigan. New members can open an account with $25, a valid U.S. government-issued ID, and a Social Security number. Members must be 18 or older, except for youth accounts.
Where are PSCU branches located?
PSCU operates 11 branches across Metro Detroit, including locations in Romulus, Detroit, Garden City, Redford, Trenton, Warren, Flat Rock, Grosse Ile and Oak Park. Members also have access to shared branching and a nationwide surcharge-free ATM network.
Is a credit union different from a bank?
A credit union is a not-for-profit financial cooperative owned by its members, while a bank is owned by shareholders. Because credit unions return earnings to members instead of outside investors, they are often able to offer competitive loan and deposit terms along with local, personal service.
Are deposits at PSCU insured?
Yes. Deposits at Public Service Credit Union are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government agency.
What products and services does PSCU offer?
PSCU offers checking accounts, savings accounts, money market accounts, certificates of deposit, club accounts and youth accounts, along with auto loans, personal loans and lines of credit, home equity loans and HELOCs, mortgages, recreational loans, credit cards, business accounts, commercial loans and business services.
How long has PSCU served Michigan?
Public Service Credit Union has served Michigan members since 1951. The credit union began as Wayne County Employees Federal Credit Union and is marking its 75th anniversary in 2026.
How do I open an account with PSCU?
Accounts can be opened online through PSCU's digital account opening system or in person at any branch. Opening an account requires $25, a valid U.S. government-issued ID and a Social Security number.
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How We Treat Our Members
Kim Drouillard
Very professional and helpful service! Everyone that waited on me went above and beyond! Especially Stephanie she was exceptional! Super quick to answer my questions and if she didn't have an answer she got back to me asap with an answer! She has even reached out to me periodically to see if there was anything I needed!
Florise Neville
Public Service Credit Union raises the bar for outstanding service every time I need to make a financial transaction of any kind.
Steve Lover
I was introduced to Stephanie Mitchell and the Public Service Credit Union by a friend. All I can say is on a scale of 1-10 they area a 12. Super responsive, friendly and efficient. It reminds my of quality banking relationships from decades ago.
Catherine Ramsey
I have been with Public Service Credit Union since they took over Veteran's Credit Union. The staff are great. They have been very helpful with personal and car loans. I have recommended them to family and friends. I got the doctor I work with to join over a year ago. Thank you for your excellent services. I look forward to continue working with you.