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Public Service Credit Union (MI)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.pscunow.com
734-641-8400
7665 Merriman Rd
Romulus, MI 48174

Public Service Credit Union (MI) is headquartered in Romulus and is the 49th largest credit union in the state of Michigan. It is also the 827th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 114 employees and 32,154 members at 11 locations. Public Service Credit Union (MI)'s CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Public Service Credit Union offers membership to those who live, work, worship, or attends school in the state of Michigan.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #60683
Year Chartered1951
Employees114
Primary Regulator
Profit Margin
Return on Assets - YTD0.11%
Return on Equity - YTD1.09%
Annual Interest Income$4.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$421.3MM$423.7MM
LoansQ1 2025vs Q1 2024$271.9MM$270.4MM
DepositsQ1 2025vs Q1 2024$360.8MM$369.4MM
Equity CapitalQ1 2025vs Q1 2024$41.1MM$34.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.1MM$4.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$4.1MM$4.4MM
Real Estate OwnedQ1 2025vs Q1 2024$33K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Public Service Credit Union (MI) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$0-Regular Shares
0.01%$0-Christmas Club Account
0.01%$0-Vacation Club Account
0.01%$0-Round Up Savings

Public Service Credit Union (MI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$500k*-Money Market
OTHER TIERS: 0.20% → $100 - $25k | 0.30% → $25k - $100k | 0.45% → $100k - $250k | 0.50% → $250k - $500k

Public Service Credit Union (MI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0$10kDirect Advantage Plus

Public Service Credit Union (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.58%*$1m*$6m3 Month Jumbo CD
OTHER TIERS: 4.06% → $250k - $1m
4.50%$1k-13 Month CD Special - New Money
4.30%$1k-5 Month CD Special
4.29%$1k-7 Month CD Special
3.75%$1k$1m23 Month CD
3.63%*$250k*-6 Month CD
OTHER TIERS: 3.53% → $500 - $100k | 3.58% → $100k - $250k
3.60%*$250k*-12 Month CD
OTHER TIERS: 3.50% → $500 - $100k | 3.55% → $100k - $250k
3.55%$25-12 Month Save to Win CD
3.50%$25-12 Month Grow with Me CD
3.50%$500$10k18 Months Relationship CD
3.35%*$250k*-18 Month CD
OTHER TIERS: 3.25% → $500 - $100k | 3.30% → $100k - $250k
3.25%*$100k*-48 Month CD
OTHER TIERS: 3.00% → $500 - $100k
3.25%*$100k*-60 Month CD
OTHER TIERS: 3.00% → $500 - $100k
3.25%*$100k*-36 Month CD
OTHER TIERS: 3.00% → $500 - $100k
3.20%*$250k*-24 Month CD
OTHER TIERS: 3.10% → $500 - $100k | 3.15% → $100k - $250k

Public Service Credit Union (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.53%$0-6 Month IRA
3.50%$0-12 Month IRA
3.25%$0-18 Month IRA
3.10%$0-24 Month IRA
3.00%$0-36 Month IRA
3.00%$0-48 Month Step Up IRA
3.00%$0-60 Month Step Up IRA
1.20%*$500k*-IRA Account
OTHER TIERS: 0.10% → $100 - $2.5k | 0.30% → $2.5k - $25k | 0.50% → $25k - $100k | 0.70% → $100k - $250k | 1.00% → $250k - $500k
Locations

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