Public Service CU (MI)

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.05%	5-year CD	60 Month CD 2.25% - Ally Bank High Yield 5 Year CD
0.80%	1-year CD	12 Month CD 1.50% - Ally Bank No Penalty 11-Month CD
0.16%	Savings	Regular Shares 1.30% - Synchrony Bank High Yield Savings

View all Public Service CU (MI) rates »

Overview / Commentary

www.pscunow.com

734-641-8400

7665 Merriman Rd
Romulus, MI 48174-1920

Public Service CU (MI) is headquartered in Romulus and is the 50^th largest credit union in the state of Michigan. It is also the 868^th largest credit union in the nation. It was established in 1951 and as of June of 2017, it had grown to 83 employees and 31,572 members at 10 locations. Public Service CU (MI)'s savings rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who who live, work, attend school or worship in Monroe, Macomb, Wayne, Oakland, Washtenaw or Livingston Counties in Michigan.
See current membership details

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Health

A

Data as of Q2 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #	60683
Year Chartered	1951
Employees	83
Primary Regulator

Profit Margin
Return on Assets - YTD	1.17%
Return on Equity - YTD	11.08%
Annual Interest Income	$4.1MM

Assets and Liabilities
Assets	Q2 2017vs Q2 2016	$254.4MM$234.5MM
Loans	Q2 2017vs Q2 2016	$164.7MM$135.0MM
Deposits	Q2 2017vs Q2 2016	$222.1MM$202.0MM
Equity Capital	Q2 2017vs Q2 2016	$26.6MM$25.9MM
Loan Loss Allowance	Q2 2017vs Q2 2016	$1.4MM$1.7MM
Unbacked Noncurrent Loans	Q2 2017vs Q2 2016	$1.3MM$1.4MM
Real Estate Owned	Q2 2017vs Q2 2016	$392.00K$290.00K

Rates

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Money Market
Checking
CD
IRA

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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 CU (MI) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.13%	-	-	Direct Advantage Plus
0.31%^*	$1m^*	-	IRA Account
OTHER TIERS: 0.21% → $6k - $20k \| 0.26% → $20k - $100k
0.16%	-	-	Regular Shares
0.16%	-	-	Christmas Club
0.16%	-	-	Vacation Club

Public Service CU (MI) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.31%^*	$25k^*	-	Money Market Savings
OTHER TIERS: 0.21% → $2,500 - $10k \| 0.26% → $10k - $25k

Public Service CU (MI) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.13%	-	-	Direct Advantage Plus

Public Service CU (MI) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.05%^*	$50k^*	-	60 Month CD
OTHER TIERS: 1.95% → $500 - $10k \| 2.00% → $10k - $50k
1.51%	-	-	Relationship CD
1.45%^*	$50k^*	-	48 Month CD
OTHER TIERS: 1.35% → $500 - $10k \| 1.40% → $10k - $50k
1.35%^*	$50k^*	-	36 Month CD
OTHER TIERS: 1.25% → $500 - $10k \| 1.30% → $10k - $50k
1.25%^*	$50k^*	-	24 Month CD
OTHER TIERS: 1.15% → $500 - $10k \| 1.20% → $10k - $50k
1.15%^*	$50k^*	-	18 Month CD
OTHER TIERS: 1.05% → $500 - $10k \| 1.10% → $10k - $50k
0.90%	$250k	-	3 Month Jumbo CD
0.80%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.70% → $500 - $10k \| 0.75% → $10k - $50k
0.70%	$25	-	Grow with Me CD
0.70%	$25	-	Save to Win CD
0.65%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.55% → $500 - $10k \| 0.60% → $10k - $50k

Public Service CU (MI) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.95%	$500	-	60 Month IRA
1.35%	$500	-	48 Month IRA
1.25%	$500	-	36 Month IRA
1.15%	$500	-	24 Month IRA
1.05%	$500	-	18 Month IRA
0.70%	$500	-	12 Month IRA
0.55%	$500	-	6 Month IRA

Locations

Cities: Detroit, Flat Rock, Grosse Ile, Redford, Romulus, Trenton

Detroit Branches
Branch Office	333 E Jefferson Ave Ste 246	Detroit, MI 48226-4359
Branch Office	3044 W Grand Blvd Ste L-375	Detroit, MI 48202-3075
Branch Office	1400 Oakman Blvd	Detroit, MI 48238-2848
Branch Office	4646 John R St	Detroit, MI 48201

Flat Rock Branches
Branch Office	26121 Vreeland Rd	Flat Rock, MI 48134

Grosse Ile Branches
Branch Office	24201 Meridian Rd	Grosse Ile, MI 48138

Redford Branches
Branch Office	26838 Plymouth Rd	Redford, MI 48239
Branch Office	12200 Beech Daly Rd	Redford, MI 48239

Romulus Branches
Branch Office	7665 Merriman Rd	Romulus, MI 48174-1920

Trenton Branches
Branch Office	2360 W Jefferson Ave	Trenton, MI 48183