Credit Unions Detroit, Mortgage Lenders Michigan
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Credit Unions Detroit: Saving and Checking

Because Public Service Credit Union Detroit is non-profit, we can offer you Savings and Checking accounts, with very minimal account balances. There's no pressure or extra fees if your account isn't rocking six figures. Now doesn't that sound good, someone looking out for you, the owner?  All accounts are insured by the NCUA for up to $250,000.

Saving Accounts

Public Service Credit Union Savings Account

PSCU Savings Accounts are accessible through any ATM, our Online Banking and our Telephone Banking systems – placing your goals easily within reach. You’ve got a plan for the future and we have a plan for you. Short-term savings, long-term goals and CDs. No matter what you want to do, PSCU has a product for you.

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Regular Share Savings

With a deposit of $25, you can open a share savings account and begin saving for the future with a membership at PSCU. You will also become eligible for all of our products and services.

 Money Market and Certificates of Deposits

Our different savings accounts gives you the best of both worlds, with healthy returns and account flexibility.

Club Account

Trying to save up for a specific purpose; like a vacation or holiday? Club accounts are created for this purpose at PSCU offers 2 types: Vacation and Christmas.

Save To Win

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

There will be prizes awarded each month, quarter and in some states annually with tons of prizes. For a complete list of prizes click here. Plus, our credit union offers another drawing and set of prizes just or our members! We will be awarding one members $25 and one member $50 every month.

For a complete set of rules, just click here!

Save To Win FAQs

Truth in Savings Disclosure


Account Rates

 Rates effective September 9th, 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 1.85% 1.85% Annually
Jumbo CD (3 months)
1.50% 1.50% Upon Maturity
Super Jumbo CD (3 months)
2.00% 2.00%   Upon Maturity
 CD Special 1.60% 1.60%   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.

Debit Card

Easy Account Access

A Public Service Debit Card gives you two-in-one convenience and eliminates the need to carry additional cards by acting as an ATM and Debit Card.

To Report Lost or Stolen Card

Regular Business Hours: 734-641-8400

After Business Hours: 888-241-2510

Visa Direct Line: 800-558-3424

 A Public Service Debit Card Advantages

Debt Card
  • Pay for purchases anywhere Mastercard is accepted
  • Withdraw money just like an ATM card
  • Pay for purchases with our Checking Account funds
  • No annual fee
  • Fast, easy purchases in person, online or by phone


Checking Accounts

Checking Accounts

At Public Service Credit Union, our Checking Accounts are designed to help members manage their finances while keeping in touch with their money – 24 hours a day, 7 days a week.

3 Types of Checking Accounts

Depending on what you need, Public Service Credit Union offers three different checking account plans. They are designed with you in mind, and the benefits only get better with each choice.



*BillPay: Free with at least 1 bill paid per month

**Dividends: Dividends paid on balance up to $10,000.00 @ 2.00% APY*

***Free ID Theft Protection: Click Here for Details

  • Fully Managed Identity Theft Research, Remediation and Recovery
  • Lost Document Replacement
  • Identity Theft Expense Reimbursement Insurance - $25,000 Limit
  • Entitlement to One Bureau Credit Monitoring

    *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. 

A checking account is a vital service for a financial institution to provide to its members. Whether it be withdrawing or depositing funds, it is how most of us access our money on a daily basis. So, it is crucial to have a reliable method of doing so.

Using a checking account with Public Service Credit Union is convenient and simple. There are many locations throughout the Michigan area, which means that you have access to your cash anytime.

Whether you want to open a checking account online, or in person, our representatives are able to help. Below you can read about the many benefits of having you own checking account with PSCU.

Keep Your Money Safe

With secure transactions and identity fraud protection, Public Service Credit Union is an extremely reliable method of banking. Your savings are federally insured to at least $250,000 and we are backed by the full faith and credit of the United States Government.

Friendly and Helpful Staff

All of the staff at Public Service Credit Union are members of the credit union as well. We are all active members in our community and care about our customers. We take the time and effort to go the extra mile to make you happy!

Online Checking Accounts

For even more convenience, Public Service Credit Union also offers you the option of managing your money through an online checking account and mobile banking. These services make it even easier to bank with us and keep track of your finances. Check your finances online or use our PSCUnow App!

No High Minimum Balance Account Requirements

You do not need to have large sums of money in your account in order to enjoy the many benefits that we offer our members. If you are looking for a free checking account, all you need is a $250 monthly account balance minimum with PSCU.

The Advantages of Public Service Credit Union Debit Cards

Public Service Credit Union offers debit cards with each of its checking accounts. Our debit cards allow you to make purchases with money directly from your checking account anywhere that Mastercard is accepted as a method of payment. It can be used to withdraw money directly from an ATM and can be used to make purchases in stores or online. If your debit card is the main method of accessing your funds, Public Service Credit Union offers this as a trustworthy service for all our members. It can be used 24 hours a day, 7 days a week, at nearly any ATM or point of purchase that is available. 

Using it is fast and easy; best of all, there is no annual fee for a debit card from one of our checking accounts.

Public Service Credit Union Offers Better Returns and Lower Rates

If you are looking for the best checking account to fit your financial needs, we are confident that we are the right credit union for you. Public Service Credit Union is able to offer high-quality financial services with lower rates than most traditional banks. As a credit union, the interests of our members control the organization, which means that we are always working towards a common good for all of us!

We firmly believe that the success of the credit union is the success of its members. This often translates to better interest rates for our loans and higher returns on investments (ROIs), which means that you are able to get the most out of your money.

With Public Service Credit Union, you have the resources of a big bank with the personal touch of a local one. If you would like to open a checking account with PSCU, contact us at 734-641-8400 or just step into one of our many locations across Michigan. 

Direct Deposit

Direct Deposit

Public Service Credit Union gives you the option to have your paychecks sent directly into your Checking Account or Savings Account. Your employer will be able to electronically deposit your paycheck into the designated account instead of giving you a paper check.

If you have any questions about setting up a direct deposit, contact a PSCU employee today.

Direct Deposit Guide

State of Michigan Employees

Click Here

Wayne County Employees

Click Here

Featured Rate

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