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Privacy Disclosures

Public Service Credit Union is committed to protecting your privacy

At Public Service Credit Union, we are proud of the strong relationships we have built over the years... Relationships based on common goals and mutual trust. In serving you, we are committed to providing you with the financial services you need now and in the years ahead - protecting your personal information along the way.

This Privacy Notice contains information about how we fulfill this commitment to you. We are required to provide you with this Notice to inform and explain how your information may be shared. We value the trust of our members and will continue to recognize the importance of holding your personal financial information confidential.

Public Service Credit Union collects information that may include:

Information that we receive from you personally on applications, forms, or other correspondence such as your name, address, phone number, assets and income. Information about your transactions with us such as account balance, payment history, parties to transactions and credit card usage. Information that we receive from others in order to establish your relationship with us such as credit reports and income verifications.

Information Disclosed to Third Parties

Public Service Credit Union may disclose all the information that we collect as described above, to companies that perform marketing services on our behalf, or to other financial institutionswith which we have joint marketing agreements. Public Service Credit Union does not sell your personal information, nor do any of our business partners. Again, by partnering with other businesses we are able to offer you additional products and services, and we will take efforts to notify you of the services available at PSCU.

Public Service Credit Union may also disclose information we collect about you under certain circumstances as permitted or required by law. If we ever provide your information to a nonaffiliated third party with which we do not have a joint marketing agreement or servicing arrangement, the Credit Union will provide you with an opt-out form.

You may read the rest of the privacy notice here: Privacy Notice

Customer Identification Program (CIP) Statement / USA PATRIOT Act Notice

Information About Procedures for Opening or changing an Account with Public Service Credit Union

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money- laundering activities.

Related Links:

Account Agreement

Privacy Notice

Truth in Savings Disclosure (Savings)- See Rates Below

Truth in Savings Disclosure (CD)- See Rates Below

EFT Agreement

Funds Availability

P2P Disclosure

Website Privacy Policy

Home-banking Policy

Guest WiFi Policy


If you are visually impaired and need assistance with any of the information, please give us a call at 734-641-8400 and we would be happy to help. 

Rates effective June 1st, 2019

  Rate APY (annual percentage yield) Dividends Paid
Regular Savings/Club Accounts 0.15% 0.16% Monthly
Direct Advantage Plus Checking Account 2.00% 2.01% Monthly
IRA Accounts $2,500-$25,000
(Traditional, Roth and Coverdell)
0.20% 0.21% Quarterly
IRA Accounts $25,000.01-$100,000
(Traditional, Roth and Coverdell)
0.25% 0.26% Quarterly
IRA Accounts $100,000.01-$250,000
(Traditional, Roth and Coverdell)
0.30% 0.31% Quarterly
IRA Accounts $250,000.01-$500,000)
(Traditional, Roth and Coverdell)
0.40% 0.41% Quarterly
IRA Accounts $500,000.01+
(Traditional, Roth and Coverdell)
0.50% 0.51% Quarterly
Money Market $2,500-$25,000 0.20% 0.21% Quarterly
Money Market $25,000.01-$100,000 0.25% 0.26% Quarterly
Money Market $100,000.01-$250,000 0.30% 0.31% Quarterly
Money Market $250,000.01-$500,000 0.40% 0.41% Quarterly
Money Market $500,000.01+ 0.50% 0.51% Quarterly
Grow with Me CD/Save to Win CD (minimum $25) 0.70% 0.70% Quarterly
Relationship CD 2.25% 2.25% Annually
Jumbo CD (3 months)
$250,000 minimum
2.25% 2.26% Upon Maturity
 CD Special 2.00% 2.00%   Annually
Certificates of Deposit Tier I (Minimum $500) and IRA Rate APY (annual percentage yield) Dividends Paid
6 MOS 0.55% 0.55% Annually
12 MOS 0.95% 0.95% Annually
18 MOS 1.05% 1.05% Annually
24 MOS 1.15% 1.15% Annually
36 MOS 1.25% 1.25% Annually
48 MOS* 1.35% 1.35% Annually
60 MOS* 1.95% 1.95% Annually
Certificates of Deposit- Tier II (Minimum $10,000) Rate APY (annual percentage yield) Dividends Paid
6 MOS 0.60% 0.60% Annually
12 MOS 1.00% 1.00% Annually
18 MOS 1.10% 1.10% Annually
24 MOS 1.20% 1.20% Annually
36 MOS 1.30% 1.30% Annually
48 MOS* 1.40% 1.40% Annually
60 MOS* 2.00% 2.00% Annually
Certificates of Deposit- Tier III (Minimum $50,000) Rate APY (annual percentage yield) Dividends Paid
6 MOS 0.65% 0.65% Annually
12 MOS 1.05% 1.05% Annually
18 MOS 1.15% 1.15% Annually
24 MOS 1.25% 1.25% Annually
36 MOS 1.35% 1.35% Annually
48 MOS* 1.45% 1.45% Annually
60 MOS* 2.05% 2.05% Annually

APY = Annual Percentage Yield Fees may reduce the earnings on your account. Monthly Rates listed above are the rates paid last quarter/month. Rates are subject to change at any time. Certificates will automatically renew at maturity unless redeemed. The renewed certificate will earn the current rate at the time of renewal.

*Offers a Bump Feature which allows the bearer to raise the dividend rate of this certificate to a current rate being offered by PSCU for the remaining certificate term. It is the obligation of the bearer to notify PSCU in writing when they opt to implement this feature.

**Current CD Special will roll at maturity to a 24 month CD and fall in the tier based on it's balance at maturity. 365 day penalty for early withdrawal applies.