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Overview / Commentary
800-437-7328
7055 East Evans Avenue
Denver, CO 80224

Public Service Credit Union (CO) is headquartered in Lone Tree and is the 3rd largest credit union in the state of Colorado. It is also the 99th largest credit union in the nation. It was established in 1938 and as of September of 2017, it had grown to 469 employees and 225,356 members at 29 locations. Public Service Credit Union (CO)'s savings rates are 6X the national average, and it has an A health rating.

Field of Membership Restrictions

Public Service Credit Union is open to anyone who lives or works in the state of Colorado, and employees/individuals affiliated with any Partner Company or Select Employee Group (must contact the Credit Union for details).
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Related Posts

Public Service CU (CO) Has Limited-Time Promo 21-Month CD - 4/25/2017

Now through June 30, 2017, Public Service CU (CO) is offering a 21-month CD (1.80% APY). Minimum deposit is $1k, with no stated balance cap.

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Reviews (4)

Public Service Credit Union - Would recommend!

Almost a decade ago, I decided to leave my former major bank (Wells Fargo) for a local credit union and I chose Public Service Credit Union. My only regret is that I didn't do so sooner. PSCU is the best bank I've ever worked with. I have both a checking and a savings account there. Anytime I go into a branch I am greeted by friendly and professional staff who make banking a pleasure. They have an automated phone system, but during business hours it's easy to reach a real human. I do the majority of my banking online, and it is a solid website. The only downside to that is the website will pop up a second site and redirect when you want to do online bill pay. The fees are fairly reasonable - as long as you make three transfers or payments through them you can avoid a monthly bill pay fee, and keeping a minimal amount of money in the account is fine (I generally keep $50-$100 in my checking account after I pay monthly bills). I also have overdraft protection of $300 free, so I never have to worry about overdraft fees. The ATM fee is steep: $2.50 on top of the machine fee, but they are part of a credit union network, so it's easy to find a free nearby ATM and avoid that fee. Overall, I'm pleased with PSCU and would highly recommend them.

I Love My Credit Union!

I've been with Public Service since I was fourteen years old. I have never had any issues with getting the services I need and almost always have a wonderful customer service rep. My checking account is free, they always offer me credit tracking services and suggest other lines I might be interested in. I've had my debit card stole twice now and within 2 days I had all of my money back. The individuals who work at the various branches really take an interest in your misfortunes and seem genuinely willing to help you. Will never go to another banking institution ever again, at least not while living in Colorado. The branches are always clean, sometimes they offer free snacks or cookies at Christmas time. The branches are conveniently located and I rarely wait in line for service.

Public Service

Public Service Credit Union is the best place I have ever banked. Every time I have a question or problem they handle it quickly and discretely. I would highly recommend using Public Service for your banking needs. The best part about banking at a credit union is that when you deposit funds they are available immediately. Also, they offer all the normal products that banks do such as, mortgages, car loans, credit cards, etc.

Savings Account

I had never considered a credit union until I bought a new car and the loan went to them. I opened a savings account because of the amazing service they gave me with the car. The customer service was great and they answered all of my questions. I was leery at first because I always though credit unions were expensive, but there are no fees associated with my savings account. I have the app on my phone as well as online banking. Both are very easy to navigate and give me the most up to date information that I am looking for. The only thing that I am not fond of is that when I do have to go inside to do my banking, the line seems to always be very long. I try to do as much online and mobile that I can to avoid going inside the credit union. I am thinking about switching all of my banking over to the credit union.



Health

Health Grade Components

Overall
NCUA #64778
Year Chartered1938
Employees469
Primary Regulator
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD9.1%
Annual Interest Income$65.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$2.35B$2.01B
LoansQ3 2017vs Q3 2016$1.86B$1.52B
DepositsQ3 2017vs Q3 2016$1.91B$1.63B
Equity CapitalQ3 2017vs Q3 2016$220.6MM$200.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$17.5MM$14.8MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$11.3MM$8.3MM
Real Estate OwnedQ3 2017vs Q3 2016$438.00K$0
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 (CO) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%*-$2kReverse Tier Savings Account - 1st 5K New Money
OTHER TIERS: 0.30% $50k+ | 0.40% $10k - $50k | 0.75% $5k - $10k | 1.49% $2k - $5k
0.50%*$100k*-Health Savings Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k
0.30%--Quarterly IRA
0.10%--Savings Account
0.10%--Personalized Share Account
0.10%--Business Share
0.05%--Holiday Account

Public Service Credit Union (CO) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$100k*-Money Market Plus
OTHER TIERS: 0.20% $10k - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k
0.40%*$100k*-Business Money Market
OTHER TIERS: 0.15% $1k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k
0.15%$1k-Money Market

Public Service Credit Union (CO) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$25k*-Interest Checking
OTHER TIERS: 0.05% $500 - $10k | 0.10% $10k - $25k
0.05%$3k-Premier Business Checking

Public Service Credit Union (CO) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month CD
1.35%$1k-25 Month CD Special
1.25%$1k-48 Month CD
0.95%$1k-36 Month CD
0.70%$1k-24 Month CD
0.55%$1k-18 Month CD
0.50%$1k-12 Month CD
0.50%--Classic (Secured) Credit Card CD
0.20%$1k-6 Month CD

Public Service Credit Union (CO) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$2,500-60 Month IRA
1.00%$2,500-36 Month IRA
0.80%$2,500-24 Month IRA
0.65%$2,500-18 Month IRA
0.60%$2,500-12 Month IRA
Locations

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