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Home Equity/LOC Loans

Home Equity / Line of Credit Loans

Is the moon roof in your ceiling getting bigger every day? It may be time to start getting serious about the home to do list. Sometimes, you just need a little help in getting started in updating or improving your home... And with a PSCU Anyday Everyday loan, you can get just that!

Remodeling couple

Flexible term options- Lump sum loans or revolving lines of credit (Some restrictions apply)

Up to 90% financing for qualified members

Easy online application

No application or processing fee

For your protection, all loan applications are encrypted and secured.

For any questions or how to apply, call 734-641-8400 or email!

Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness. Please ask us for the initial rate that you qualify for.

Disclosure: Refinanced or pre-qualified loans are based on credit approval.


New/Used Auto Loan

Auto Loans at PSCU

If you are considering purchasing a new or used vehicle, but do not have all the cash on hand, a PSCU auto loan may be a great way to get that car you need.

With an auto loan from Public Service Credit Union, you can borrow the funds that you need to buy a vehicle and pay us back over time. Our interest rates are low and affordable, which means that when you make a car loan application with us, you are getting one of the best deals available in Michigan. It does not matter if you are looking to buy new or used, any vehicle can be financed with PSCU.



Terms up to 84 months (some restrictions apply)

Competitive rates - View Rates 

Up to 100% financing for qualified members

Easy online application

No application or processing fee

For your protection, all loan applications are encrypted and secured.


Apply Now Button



Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness. Please ask us for the initial rate that you qualify for.

Disclosure: Refinanced or prequalified loans are based on credit approval.

Car buyers will benefit from our financing options. Many find that financing through a credit union is less expensive than a traditional bank loan and that the customer service simply can’t be matched. Our loyal members are also members of our community, and we are happy to treat you just like family. 

GAP Coverage 

GAP covers the financial debt between what is owed on a loan and what the insurance company will pay in the event the automobile is stolen or declared a total loss before the loan is paid off. Make sure to ask about the cost for this awesome coverage and how it can be incorporated into your auto loan.

Mechanical Repair Coverage

When you find the car you love, you'll no doubt want to protect it. PSCU can help you protect your new or pre-owned vehicle with Mechanical Repair Coverage (MRC). With MRC, you'll no longer have to worry about how you'll pay repair expenses not covered by your manufacturer warranty. Plus, you can choose the term, mileage limit and deductible that meet your needs and fit your budget. You pay only the deductible amount you select – $0, $100 or $250. Click here for more!

Public Service Credit Union Provides Car Loans Online

At Public Service Credit Union, you can easily apply for a car loan online. It has never been more convenient to get the financing you need for a new vehicle with our online application system. Our members can take advantage of our car finance calculator online and our car loan estimator in order to get an idea about the potential costs for a new vehicle.

Our car payment calculator can help you make sure that your choice for a new or used car finance is affordable before you even make an application. Once you are confident with your decision, it only takes a few minutes to submit a quick application, which will be reviewed by our helpful staff in a timely manner. Public Service Credit Union has made our online applications one of the fastest and easiest ways for our members to apply for a car loan.

Public Service Credit Union Staff Are Available To Help

If you would prefer to come into one of our convenient locations, our friendly staff is always available to help you apply for an auto loan. Our current members know that they will get great advice and recommendations when they apply in person.

If you have any questions or concerns, or simply want to find out more information about credit union car loans, any one of our dedicated staff would be happy to assist you in any way possible. Applying for a car loan can be a bit stressful, but it is much easier with helpful advice from our knowledgeable staff. We want you to feel welcome whenever you visit one of our locations, so we will go out of our way to provide all of our members with whatever they need when making an auto loan application.

Visit Public Service Credit Union For A Car Loan Today

If you are looking to begin the process of getting a auto loan, then visiting Public Service Credit Union location or applying online us the first step in acquiring for your car financing. Our helpful and dedicated staff are ready to assist you with your car loan application.

Even if you are not one of our valued credit union members, feel free to stop by or call us to out more about joining the community and starting an auto loan application. We are always there for our members because we are members, too!   

To speak with a trusted representative with your car financing, simply call (734) 641-8400 to get started. We can’t wait to see you!

Loan Rates


Auto Loans Term APR as low as1
New Vehicle UP TO 72 MOS
(2013 and newer)
  UP TO 84 MOS
(2016 and newer)
Used Vehicle UP TO 72 MOS
(2013 and newer)
  UP TO 84 MOS
(2016 and newer)
Personal Power Sports Term APR as low as1
Motorcycles, Snowmobiles, UP TO 60 MOS 5.49%
Small Boats, etc.    
  61-120 MOS 5.99%
Boats > 18’, Motor Homes, Fifth Wheels, Travel Trailers & Harley Davidson Motorcycles UP TO 84 MOS 5.49%
  ($5,000 MINIMUM LOAN)  
  UP TO 120 MOS 5.24%
  ($15,000 MINIMUM LOAN)  
  UP TO 180 MOS 4.99%
  ($25,000 MINIMUM LOAN)  
Mortgage/Home Equity Loans Term APR as low as1
Mortgage Up to 30 Year Fixed Daily rates vary

Home Equity3

Up to 180 MOS

Up to 80% LTV2 5.50%
   Up to 90% LTV2 6.25% 
HELOC3  Up to 80% LTV2 5.50%
  Up to 90% LTV2 5.74%
Other Loans Term APR as low as1
Simply Credit   8.00%
Anyday/Next Gen Line of Credit --- 9.00%
Anyday Everyday Loan
(for when life happens)
Up to 60 MOS




1 Rates and financing are offered based on applicant’s credit and the term of the loan. Rates quoted are annual percentage rates (APR). 

2 LTV= Loan to value is the percentage of equity value PSCU will lend, using your home as collateral.
3 Home Equity and HELOC based on LTV ratio and are not credit based 

Student Loans

Smart Option Student Loan® with Sallie Mae

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Sallie Mae has partnered with us to provide you with a stress-free, flexible way of paying for your schooling. Click the buttons below to get started on you online application.

For your protection, all loan applications are encrypted and secured.

Student Loans

Personal Loans

Personal Loans

Public Service Credit Union offers different kinds of personal loans. There are many different scenarios where we need to have access to money sooner rather than later. Here at PSCU, we offer personal loans to help you of your financial crisis at more affordable rates.

Any day Everyday Loans


What is a personal loan?

A personal loan is a loan that can be used for multiple purposes. It is based on your credit history and your ability to repay the loan back. Since one size does not fit all, we provide personal loans catered to your unique circumstances. We will review your personal information and determine which option is right for you.

There are many reasons people might seek a personal loan:

  • Emergency medical bills
  • Car accident or immediate auto repair
  • A household appliance has stopped working
  • Home repairs, such as roof damage or structural damage
  • Creating a new emergency fund
  • Starting a new investment


Another common reason people seek personal loans is to consolidate their current debt. By consolidating your debt, you are only paying one low monthly fee versus several online loans with different fees. This helps you save money over the long run.


For your protection, all loan applications are encrypted and secured

Apply Now!



Featured Rate

  • Auto loan 3.49% apr*
  • Additional Rates
  • *The loan rate above is the lowest rate given at PSCU