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Business Services

What do you need to make your business run smoothly? Money, Services, skill and luck. PSCU can help you with the first two, the second two are up to you. Think of us as your silent Partner, with an incredible lineup of support services. From Visa Cards and Processing, to Loans, Savings and Checking Services, PSCU can help your business thrive and survive and yes, run smoothly too.

PSCU Smart Deposit

Smart business owners rely on services that will increase the overall efficiency and cash flow of their business. PSCU Smart Deposit allows any business, large or small, to deposit checks right from your office so you can spend more time running
your business and less time running to the credit union!

Read more: PSCU Smart Deposit

Business Visa

Business Visa

Our Visa Business credit cards come with a variety of important business features like:

  • Expense Management Tools
  • No fee for additional employee cards
  • EMV smart chip technology for added security
  • Mobile Payment capability for added convenience

FLEXIBLE CASH REWARDS FOR YOUR BUSINESS

 Visa Business Cash Card

  • 3% cash back(1) on eligible net purchases from office supply stores, phone and TV services (2,4) (1)

  • 2% cash back on eligible restaurant and gasoline net purchases

  • 1% cash back on all other eligible net purchases

  • $25 cash back awarded after first purchase (3)


Visa Business Real Rewards Card

  • Earn 1.5 pints monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back) (5)

  • No caps or limits on the number of points you can earn, and you have five years to redeem for rewards (4)

  • 2,500 bonus rewards points awarded after first purchase (3)

Apply Now

 

Visa Business Rewards PLUS Card

  • Earn 3 pints monthly for every $1 you spend the most on: cellular phone service, hotel, or airline (6)

  • Earn 1.5 pints monthly for every $1 you spend on eligible net purchases

  • Plus, earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months (3)

  • No caps or limits on the number of points you can earn, and you have five years to redeem for rewards (4)

Apply Now


Visa Business Platinum Card
  • Pay down your other credit card balances faster with a great low introductory rate for an extended time

  • Save on interest

  • Non-rewards

Apply Now


(1) Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

(2) Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

(3) Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

(4) The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

(5) Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

(6) Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Credit Card Processing

Credit Card Processing

Whether you conduct business transactions in person, over the phone, by mail, or online, Public Service Credit Union’s Merchant Warehouse can help you increase your profit with convenient payment processing solutions. Your customers will thank you for it!


Merchant Services to Manage your Business

To serve you better, we offer credit card processing for your business. We have partnered with Merchant Warehouse, a leader in the payment processing industry known for exemplary member service. Merchant Warehouse is a single-source provider of electronic payment processing services including credit, debit, EBT, gift cards, and member loyalty cards.

PSCU and Merchant Warehouse offer a full suite of merchant point-of-sale terminals and e-commerce processing solutions. PSCU business members will have access to discounted processing rates and additional FREE benefits when signing up for new merchant services with Merchant Warehouse.

For a free cost analysis, call our Remote Services at 1-734-641-8400 (option 2).


Business Branded Gift Cards

Gift cards have become a top choice for Christmas, birthday and graduation gifts. Businesses of all types and sizes are generating tremendous sales with prepaid gift cards. Every card sold brings another customer in your door to spend it. With a PSCU merchant processing account, our business can issue our very own business-branded gift cards.

We also offer reloadable gift cards to keep your customers coming back. Now is the perfect time to setup a gift card program so your business will be ready when the holiday shopping season arrives.

 

Business Lending

Business Lending

A business loan may be just what you need to help your company grow and edge ahead of the competition. We have lending solutions that meet those financial needs.


Commercial Mortgages

Turn the dream into reality with a commercial mortgage at PSCU Whether you are acquiring a business, expanding an existing business or upgrading a current business, look to us for your real estate needs. We offer competitive rates and terms to meet your business real estate needs.


 Line of Credit

 As a business owner, you know that it's important to be prepared! From time to time, every small business needs immediate cash for short-term working capital, seasonal purchases, inventory, or to carry accounts receivable. Apply now and the money will be there when you need it. With low rates and flexible terms, our line of credit offers the flexibility you need to push your business to the next level.


 Equipment Loans

Get the equipment you need to stay competitive and reach your goals! Maybe you want to expand operations by purchasing assets such as new equipment or a new company car. Whatever you need to make your business run, we can help you finance it. Low rates and flexible terms provide a number of options for your equipment needs.

Featured Rate

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