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Public Service CU (MI)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.80%5-year CD60 Month CD
2.25% - Ally Bank High Yield 5 Year CDAdvertisement
0.80%1-year CD12 Month CD
1.35% - Ally Bank High Yield 12-Month CDAdvertisement
0.16%SavingsRegular Shares
1.05% - Barclays Online Savings AccountAdvertisement
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 50th largest credit union in the state of Michigan. It is also the 878th largest credit union in the nation. It was established in 1951 and as of December of 2016, it had grown to 81 employees and 30,522 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 Q4 2016

Learn why bank health matters

Health Grade Components

Overall
NCUA #60683
Year Chartered1951
Employees81
Primary Regulator
Profit Margin
Return on Assets - YTD1.04%
Return on Equity - YTD10.02%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$239.0MM$156.5MM
LoansQ4 2016vs Q4 2015$149.1MM$101.8MM
DepositsQ4 2016vs Q4 2015$210.2MM$130.2MM
Equity CapitalQ4 2016vs Q4 2015$24.5MM$20.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.5MM$1.6MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.5MM$700.00K
Real Estate OwnedQ4 2016vs Q4 2015$523.00K$421.00K
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 CU (MI) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.13%--Direct Advantage Plus
0.31%*$1m*-IRA Account
OTHER TIERS: 0.21% → $6k - $20k | 0.26% → $20k - $100k
0.31%*$1m*-Roth IRA Account
OTHER TIERS: 0.21% → $6k - $20k | 0.26% → $20k - $100k
0.31%*$1m*-CESA 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.13%--Direct Advantage Plus

Public Service CU (MI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%*$50k*-60 Month CD
OTHER TIERS: 1.70% → $500 - $10k | 1.75% → $10k - $50k
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-90 Day Jumbo CD
0.80%*$50k*-12 Month CD
OTHER TIERS: 0.70% → $500 - $10k | 0.75% → $10k - $50k
0.65%*$50k*-6 Month CD
OTHER TIERS: 0.55% → $500 - $10k | 0.60% → $10k - $50k

Public Service CU (MI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%*$50k*-60 Month IRA
OTHER TIERS: 1.70% → $500 - $10k | 1.75% → $10k - $50k
1.45%*$50k*-48 Month IRA
OTHER TIERS: 1.35% → $500 - $10k | 1.40% → $10k - $50k
1.35%*$50k*-36 Month IRA
OTHER TIERS: 1.25% → $500 - $10k | 1.30% → $10k - $50k
1.25%*$50k*-24 Month IRA
OTHER TIERS: 1.15% → $500 - $10k | 1.20% → $10k - $50k
1.15%*$50k*-18 Month IRA
OTHER TIERS: 1.05% → $500 - $10k | 1.10% → $10k - $50k
0.80%*$50k*-12 Month IRA
OTHER TIERS: 0.70% → $500 - $10k | 0.75% → $10k - $50k
0.65%*$50k*-6 Month IRA
OTHER TIERS: 0.55% → $500 - $10k | 0.60% → $10k - $50k
Locations


Public Service CU (MI) Locations
Branch Office333 E Jefferson Ave Ste 246Detroit, MI 48226-4359
Branch Office7665 Merriman RdRomulus, MI 48174-1920
Branch Office3044 W Grand Blvd Ste L-375Detroit, MI 48202-3075
Branch Office1400 Oakman BlvdDetroit, MI 48238-2848
Branch Office26838 Plymouth RdRedford, MI 48239
Branch Office12200 Beech Daly RdRedford, MI 48239
Branch Office4646 John R StDetroit, MI 48201
Branch Office26121 Vreeland RdFlat Rock, MI 48134
Branch Office24201 Meridian RdGrosse Ile, MI 48138
Branch Office2360 W Jefferson AveTrenton, MI 48183