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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

Credit Unions Detroit: Saving Account

PSCU Savings Accounts Credit unions in Michigan are accessible through any ATM, or our Online and Telephone Banking systems - placing your goals easily within reach. You've got a plan for the future or if you are looking for a Mortgage Lenders Michigan, we have a plan for you. Short-term savings. Long-term

goals, CD's, No matter what your goals are PSCU has a product for you!

Read more: Saving Accounts

Account Rates


  Rate APY (annual percentage yield) Dividends Paid
Regular Savings/Club Accounts 0.15% 0.16% Monthly
Direct Advantage Plus 1.11% 1.13% 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% 1.81% Annually
Jumbo CD (3 months)
$250,000 minimum
1.25% 1.26% Upon Maturity
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. * Product features a great “Step Up” feature where you can adjust your interest rate if it goes up. Ask your rep for details!

Debit Card

Debit Card

Account access made easy!

A Public Service Debit Card gives you two-in-one convenience and eliminates the need to carry additional cards! Your Debit Card acts as both an ATM card and a debit card.

Read more: Debit Card

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.

Public Service Credit Union Checking Accounts

3 Types of Checking Accounts
Depending on what you need, Public Service Credit Union offers three different checking account plans. They are designed with our members in mind, and each one has its own advantages that make them all a compelling choice for a checking account.



*Bill Pay:  Free with at least 1 bill paid per month

**Dividends:  Dividends paid on balance up to $10,000.00 @1.11%
***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 

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

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 your own checking account with PSCU. 

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.

Keep Your Money Safe
Placing your money in a checking account with us is a great way to store your money. 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 of our Michigan community and we genuinely care about our customers. We take the time and the effort to go the extra mile to make you happy!

Online Check 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 balance anywhere that you have an Internet connection, or through 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 many of the 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 which is waived if certain criteria is met.

The Advantages of Public Service Credit Union Debit Cards
Public Service Credit Union offers debit cards with each of its checking accounts. Your card can be used to withdraw money from an ATM or to make many different types of purchases from vendors and service providers. Your debit card is the main method of accessing your funds, and Public Service Credit Union offers a trustworthy service for all of 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.

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 just like an ATM access card, but it can also be used to make purchases in stores or online. 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 our credit union is right for you. Public Service Credit Union is able to offer high-quality financial services with lower rates than most traditional banking institutions. 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, 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 out with PSCU, contact us at (734) 641-8400 or just step into one of our many Michigan locations.

Direct Deposit

Direct Deposit

Save with Direct Deposit! Direct deposit means having your employer electronically deposit your paycheck directly into your account rather than giving you a paper check.

Read more: Direct Deposit

Featured Rate

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