Public Service Credit Union Middlesex NJ | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Public Service, your trusted partner in financial well-being, located at 619 Union Ave, Middlesex, NJ 08846. Since our founding in 1957, we have been dedicated to serving our community with a focus on personal banking and member satisfaction. Our commitment shines through our strong membership of 3,802 and an impressive total asset base of $40,293,064, ensuring that we are equipped to meet your financial needs. At Public Service, we pride ourselves on building lasting relationships with our members. Under the leadership of our CEO, Amanda Gannon, and Board President, Harrison Burd Jr., we strive to create an environment that fosters trust and reliability. Our team of 7 employees is always ready to assist you with a variety of services, including checking and savings accounts, auto loans, mortgage loans, and business banking solutions. We understand that every member's financial journey is unique. That's why we offer personalized loan options totaling 1,431 across various categories to help you achieve your goals. With total deposits reaching $985,705 and a net worth of $5,724,055, you can trust that your funds are secure with us. While members can visit us at 619 Union Ave, official correspondence should be sent to the same address for your convenience. If you have any questions or need assistance, don't hesitate to reach out at 732-805-9000 during our operating hours from Monday to Friday, 7:30 AM to 4:00 PM. Join us today and discover how Public Service can support you on your financial journey! For more information about our offerings or to apply for a loan online, please visit our website at Public Service Credit Union. We look forward to serving you!

Branch History & Mission

Welcome to Public Service, a credit union with a rich history and a steadfast commitment to our community in Middlesex, NJ. Since we first opened our doors in 1957, we have grown alongside our members, evolving from a small local institution into a trusted financial partner for over 3,800 members. Our journey has been marked by dedication to providing exceptional financial services while actively supporting the needs of our community. Located at 619 Union Ave, Middlesex, NJ 08846, our branch is easily accessible for those in the area. Just a stone's throw away from local landmarks, we are proud to be part of this vibrant community. For any official correspondence, please note that our mailing address is also 619 Union Ave, Middlesex, NJ 08846. At Public Service, our mission is clear: to deliver not only reliable banking services but also to uplift and empower the community we serve. We believe that financial well-being goes hand-in-hand with community support. Our comprehensive range of services includes personal banking accounts, auto loans, mortgage options, and business banking solutions. We strive to make banking as convenient as possible with online and mobile banking available for all our members. Over the years, we've made significant strides in enhancing member experience through digital advancements and customer-centric initiatives. Today, we proudly maintain total assets of $40,293,064, which reflects our strong financial health and ability to support our members' needs effectively. Our operating hours are designed with convenience in mind: we're open Monday through Friday from 7:30 AM to 4:00 PM. While we currently do not offer ATM or drive-thru services, our dedicated team is always ready to assist you during business hours. Community outreach remains at the heart of what we do. We actively seek partnerships that allow us to give back through various programs and events that benefit local residents. From financial education workshops to supporting local charities, we are committed to making a positive impact beyond just banking. As we look toward the future, we invite you to join us on this journey. Become a member of Public Service and experience firsthand the benefits of being part of a credit union that truly cares about its members and their community. Visit us today or check out more information on our website here. Together, let's build a brighter financial future!

Branch Location & Accessibility

Operating Hours

Our lobby hours are designed with your busy schedule in mind. We're open from 7:30 AM to 4:00 PM, Monday through Friday. Whether you're a morning person or prefer to stop by after lunch, we've got you covered!

Parking & Accessibility

We offer ample parking right outside our branch, so you can visit us without worrying about finding a spot. Our facility is ADA compliant, featuring ramps and accessible entrances to ensure everyone can access our services comfortably.

Services Offered

At Public Service, we pride ourselves on offering a variety of banking services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgage options, we have solutions that fit your financial goals. Although we do not currently have ATM services or drive-thru banking available, our team is ready and eager to assist you inside the branch. If you need any assistance or have questions about our offerings, don't hesitate to reach out! You can give us a call at 732-805-9000 for more information or simply stop by during our operating hours. We look forward to seeing you soon at the Public Service branch!

Member Eligibility

At Public Service, we believe that everyone deserves to be part of a caring community that prioritizes your financial well-being. Becoming a member is easy and welcoming! If you live, work, or worship in Middlesex, NJ, you are likely eligible to join our family. We're here to support you with a range of services tailored to meet your needs, from personal banking and loans to business banking solutions. Plus, as a member, you gain access to competitive rates and personalized service that makes managing your finances simpler and more enjoyable. To learn more about the specific eligibility requirements, feel free to check out our detailed resource. When you're ready to take the next step towards membership, opening an account is just a click away at http://www.psfcunj.com/loan-application.php. If you have any questions or need assistance, don't hesitate to reach out to us at (732) 805-9000. We look forward to welcoming you at our branch located at 619 Union Ave Middlesex Nj 08846!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1 in commercial loans for our members, helping businesses scale and succeed. This means that even small loans can make a big difference when it comes to financing essential upgrades or launching new projects.

Merchant Services

In addition to loans, we offer merchant services that simplify payment processing. Imagine running your business smoothly while customers enjoy easy payment options. With our services, you can accept payments quickly and securely, enhancing customer satisfaction and boosting sales. With an outstanding commercial loan portfolio of $67,614, we continue to drive economic growth by financing new and expanding businesses right here in Middlesex, NJ. Let us partner with you on your journey toward success! For more information or to get started, visit us at 619 Union Ave Middlesex Nj 08846 or call us at (732) 805-9000.

Comprehensive List Of Services

Business Banking

For our local businesses, Public Service provides robust Business Banking solutions including merchant services and business loans designed to help you thrive. Whether you're starting a new venture or expanding an existing one, our financial products are crafted to support your goals.

Cash Management

While we currently do not have ATM availability at our branch, our cash withdrawal services remain reliable and straightforward for all members. At Public Service, we're committed to making your banking experience as enjoyable as possible. If you're ready to explore any of these services or have questions about how we can assist you further, don't hesitate to reach out! Give us a call at (732) 805-9000, visit us at 619 Union Ave Middlesex Nj 08846, or check out our website here. We look forward to being part of your financial journey!

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive Online & Mobile Banking services that let you manage your accounts anytime, anywhere. With features like online bill pay and person-to-person payments, you'll find banking with us fits seamlessly into your busy life.

Home Financing

Thinking about buying a home? Our Mortgage Loans & Refinancing services can guide you through this important process. We provide competitive rates and personalized service to ensure you find the best solution for your situation. If you're already a homeowner, refinancing might be an excellent way to lower your monthly payments or access cash for other needs.

Personal Banking

For individuals, our Personal Banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that lets you track your spending effortlessly while earning interest on your savings. We also offer Auto Loans & Vehicle Financing to help you get behind the wheel of your dream car without breaking the bank. Whether you're buying new or used, we have options that can suit any budget.

Personal Loans

We also recognize that life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options. These loans can help you manage debt more effectively or fund personal projects with ease. And if you're looking for a credit card with benefits, our Credit Cards with Rewards allow you to earn points on everyday purchases, making each swipe work for you.

Digital & Online Banking

Key Services

With our online banking services available 24/7 at https://www.psfcunj.com/, you can manage your accounts whenever it suits you. Need to review your transactions or pay bills? You can do all this and more with just a few clicks. Plus, our electronic signature authorization feature means you can sign documents securely from the comfort of your home, saving you time and hassle. We also offer e-statements, allowing you to view your account statements electronically instead of waiting for them in the mail. This not only helps you stay organized but is also an eco-friendly option that contributes to reducing paper waste. For those on the go, our mobile application provides a user-friendly interface where you can perform banking tasks right from your smartphone. While we currently don't support mobile payments, our app allows for person-to-person transfers so you can easily send money to friends or family without any fuss.

Security & Accessibility

Security is a top priority for us at Public Service. Our online banking system uses advanced security measures to protect your personal information and transactions. You can bank with confidence knowing that your data is safe. All these features are designed to make banking easier for our members while ensuring that accessing your finances is quick and reliable. With real-time account management tools, you'll always know exactly where your money stands. Join us today at Public Service and experience the convenience of modern banking tailored just for you!

Financial Strength

Member Trust

Total Share and Deposit Accounts: 6,045, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Public Service is your trusted partner. Visit us at 619 Union Ave Middlesex Nj 08846 or call (732) 805-9000 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $132,964 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for You

With $5,242,508 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports members' financial goals across various sectors with $269 in used auto loans and $17,894,759 in total loans and leases.

Secure Savings Options

Members' savings are secured through $12,396,151 in share certificates and $3,342,695 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Foundation

With a net worth of $5,724,055, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.21% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $5,260,943 in used vehicle loans and $7,291,826 in new vehicle loans already helping members get on the road. We make it easy for you to drive away with confidence and peace of mind.

Business Loans

For business owners, our outstanding commercial loans totaling $67,614 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive in our community.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,362, make buying or refinancing simple. We understand that securing a mortgage can be overwhelming, so our team is here to guide you through every step of the process.

Refinancing Options

If you're interested in refinancing any existing loans or exploring eligibility options, our team is ready to assist you. We believe that everyone deserves access to financial tools that enhance their lives. Our branch is located at 619 Union Ave, Middlesex, NJ 08846, where we welcome you to visit us for personalized assistance. You can reach us at 732-805-9000 during our operating hours: Monday through Friday from 7:30 AM to 4:00 PM. For more information about our loan offerings or to start your application process today, please visit our website at Public Service. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step toward achieving your financial aspirations!

Unsecured Credit Card Loans

For those looking for a bit more flexibility in managing finances, we also offer unsecured credit card loans. While we currently have $0 issued in this category, our future offerings will provide members with a way to handle unexpected expenses without the burden of collateral.

Loan Aggregator

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PUBLIC SERVICE FEDERAL CREDIT UNION - Middlesex, NJ

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