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Make sure you take advantage of all our upcoming promotions!

First Time Auto Buyer Loan


Buying a new vehicle can be exciting, but it can also be a little bit challenging, especially for someone who is buying a car for the first time. There are many variables to consider when purchasing a vehicle, from the make and model of the car to the condition and the mileage, it is important for a first-time car buyer to keep these things in mind so that they make the right decision. With so many details involved, it may become more and more difficult to make confident choices. 


However, Public Service Credit Union is there to make things easier by providing a First Time Auto Buyer loan that can eliminate the need for those with limited credit history to have a co-signer. For those who qualify, we also offer special GAP coverage and MRC pricing! We can take away some of the stress of buying a new vehicle by making sure that it is financed in an affordable and smart manner. Although we can’t help you choose the color, we can make sure that you are getting a good deal on a car loan. Some restrictions apply! Click here to begin your application. 

 Home Equity Loan Basics

 You can use the equity in your home to finance big expenses! Ask a member service representative how. 

Ask Our Geek

Have you gotten with a PSCU geek yet? We will walk you through your credit report, your account, or even just discuss your financial goals with you! Members AND non members! Oh yeah, and did I mention it was free?

Save to Win

If you open a 12-month Save To Win share certificate with at least $25; that is our first entry into that month’s drawing as well as additional drawings throughout the year.

 Skip a Pay ATM Graphic

Skip our monthly loan payment(s) for one month each year, for a small fee of $25 each. The loan must be in good standing (not overdue) and have made 5 previous timely payments. 15-day notice required for any payment to be skipped. Finance/interest charges continue to accrue during the month skipped. Loan’s payoff date will be one month later than the original term to which you agreed.

Loans ineligible for Skip-A-Pay: Home Equity Line of Credit, Mortgages, TDRs, Bankruptcy Loans, Disability Claimed Loans, Commercial Loans, Balloon Payment Loans and loans that have recurring ACH/online payments.

Featured Rate

  • Auto loan 2.99% apr*
  • Additional Rates
  • *The loan rate above is the lowest rate given at PSCU