Public Service Credit Union Garden City MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Public Service, your trusted financial partner in Garden City, MI! Located at 5838 Middlebelt Rd, we have been proudly serving our community since 1951. With a strong commitment to our members, we now boast a vibrant community of 32,500 members who benefit from our personalized banking services and support. At Public Service, we understand that financial needs vary from person to person. That's why we offer a wide range of services, including checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. Our total assets stand at an impressive $417,741,926, demonstrating our strength and stability in the financial landscape. While you can always visit us at our branch for any banking needs, please remember that official correspondence should be sent to the same address: 5838 Middlebelt Rd, Garden City, MI 48135. Our dedicated team is here to assist you during our operating hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Led by CEO Dean Trudeau and Board President Fred Morgan, our team of 128 employees works diligently to ensure that you receive the best service possible. We are proud of our solid financial standing with a net worth of $50,226,141 and total deposits reaching $11,835,889. Whether you're looking for personal banking solutions or business loans with a focus on community development like our net member business loan balance of $59,383,557 Public Service is here for you every step of the way. Feel free to reach out to us at 734-641-8400 or visit our website at canvas.org for more information. Join us today and experience the difference that comes with being a part of the Public Service family!

Branch History & Mission

Join Us

We invite you to become part of the Public Service family. Experience firsthand how our member-centric approach can enhance your financial journey. Whether you're looking for a checking account or considering your first mortgage, we're here for you every step of the way. Visit us today at 5838 Middlebelt Rd or call us at 734-641-8400 for more information on how you can join over 32,000 satisfied members who trust us with their finances. Together, let's build a brighter future!

Mission Statement

At Public Service, our mission is clear: to improve the financial well-being of our members while fostering a strong sense of community. We believe in giving back through various outreach efforts and partnerships with local organizations. Whether it's sponsoring community events or providing educational resources about financial literacy, we strive to make a real impact in Garden City and beyond. Our operating hours reflect our dedication to service: we are open Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. For those who prefer convenience on the go, we offer ATM access as well as drive-thru banking for quick transactions.

Our Story

The journey of Public Service began with a simple mission: to provide accessible financial services that empower individuals and families. Our founders envisioned a place where everyone could find support for their financial goals. From humble beginnings, we have expanded our offerings to include personal banking, auto loans, mortgages, and business services, ensuring that we meet the diverse needs of our membership. As we evolved, so did our commitment to innovation. We've embraced digital advancements to make banking more convenient. Our members enjoy online and mobile banking services, giving them access to their accounts anytime and anywhere. We also ensure that our branch is ADA compliant, welcoming all community members to experience our services comfortably.

Branch Location & Accessibility

Welcome to Public Service, your friendly neighborhood credit union located at 5838 Middlebelt Rd, Garden City, MI. We're proud to serve the community of Wayne County and are conveniently situated near local landmarks that make it easy for you to drop by. Whether you're heading home or out running errands, our branch is a quick stop for all your banking needs. At Public Service, we understand the importance of accessibility. Our branch features ADA-compliant facilities with ramps and spacious parking, ensuring that everyone can visit us comfortably. Plus, if you prefer to bank from the comfort of your vehicle, we offer convenient drive-thru banking services for simple transactions like deposits and withdrawals. Our operating hours are designed to fit into your busy schedule. We're open Monday through Thursday from 9 AM to 5 PM, Friday until 6 PM, and Saturday mornings until 1 PM. This flexibility allows you to come in when it's most convenient for you. If you need assistance outside these hours, feel free to give us a call at 734-641-8400. For those who prefer cashless transactions, we have ATMs available on-site for quick withdrawals and balance checks. Additionally, we're proud to offer shared services with partner credit unions, making it even easier for you to access your funds wherever you are. While members can visit us at our physical location, official correspondence should be sent to the same address: 5838 Middlebelt Rd, Garden City, MI 48135. We invite you to come in and experience our personal banking services firsthand whether it's checking and savings accounts, auto loans, mortgages, or simply getting help with online banking. The team at Public Service looks forward to welcoming you!

Member Eligibility

At Public Service, we believe that becoming a member is like joining a supportive family that cares about your financial well-being. If you're looking to join our community, you'll find it's easier than you might think! We welcome individuals who live, work, worship, or attend school in the Garden City area. Whether you're seeking personal banking solutions or loans for your next adventure, our membership opens doors to numerous benefits tailored just for you. To find out more about eligibility criteria and ensure you meet the requirements, feel free to check out the details at this link. Opening an account with us is a breeze! Simply visit our branch located at 5838 Middlebelt Rd Garden City Mi 48135, or give us a call at (734) 641-8400. Our friendly staff is ready to guide you through the process and answer any questions you may have. We can't wait to welcome you into the Public Service family, where your financial goals become our mission!

Business Banking & Commercial Services

Financing for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $144 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $29 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $47,354,727, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, our merchant services empower businesses to streamline transactions. Imagine a local café quickly processing payments while serving customers our solutions make that possible. From credit card processing to online payment options, we ensure you have the tools needed to thrive. Visit us at 5838 Middlebelt Rd Garden City Mi 48135 in Garden City, MI, or call us at (734) 641-8400 to learn how our business banking services can help your enterprise flourish!

Comprehensive List Of Services

ATM & Drive-Thru Services

For those who prefer in-person transactions but want speed and efficiency, we provide access to an ATM and basic drive-thru banking services for deposits, withdrawals, and simple transactions. Additionally, members of partner credit unions can benefit from our shared branch transactions for deposits and withdrawals.

Business Banking

We also understand the unique challenges faced by local businesses. Our business banking services, including merchant services and business loans, provide the support you need to thrive in today's marketplace. Whether you're a small startup or an established company, we're here to help you grow.

Community Focused

At Public Service, we believe in supporting not only our members but also the community at large. Our friendly staff is always ready to assist with any questions or concerns you may have regarding your financial journey. If you're ready to experience all that we have to offer at Public Service, give us a call at 734-641-8400 or visit us at our branch in Garden City. Let us help you achieve your financial goals today!

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts from anywhere. From checking balances and transferring funds to making payments and accessing e-statements, everything is just a few taps away. You can even utilize our person-to-person payment options for quick transfers between friends or family.

Personal Banking

Whether you're opening your first checking account or looking for ways to save for the future, our personal banking services have you covered. We offer various checking and savings accounts designed to help you manage your money effectively. If you're considering buying a new car, our auto loans and vehicle financing options provide competitive rates to help you drive away in style. For those planning to purchase a home, our mortgage loans and refinancing solutions make the process simple and affordable. In addition, if you're facing unexpected expenses or looking to consolidate debt, our personal loans are here to assist you. And don't forget about our credit cards with rewards, which can help you earn points on everyday purchases while enjoying great benefits.

Digital & Online Banking

Key Services

Our user-friendly online banking service at https://www.canvas.org/ allows you to check balances, pay bills, and transfer funds with just a few clicks. You can also enjoy the convenience of e-statements, which provide a paperless way to keep track of your financial activity while helping the environment. Security is a top priority for us. We utilize electronic signature authorization to ensure that your transactions are both safe and efficient. Whether you're signing documents or authorizing payments, you can trust that your information is protected. For those on the go, our mobile application makes it even easier to manage your finances from your smartphone. You can use features like mobile payments to make quick purchases directly from your account. Plus, if you need to send money to friends or family, our person-to-person transfers allow for fast and simple transactions without any hassle. With these tools at your fingertips, you'll have real-time access to your accounts and the ability to handle all your banking needs with ease. At Public Service, we're committed to providing you with accessible and efficient banking solutions that fit into your lifestyle. Explore all these features today and experience the difference in how you manage your money!

Financial Strength

Commitment to Reinvestment

With $40,418,274 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals with $5,097 in used auto loans and $278,169,888 in total loans and leases.

Growing Membership Base

Total Share Accounts: 76,058, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $58,682 further illustrate our commitment to maintaining a healthy balance sheet. 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 5838 Middlebelt Rd Garden City Mi 48135 or call (734) 641-8400 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $95,692,514 in share certificates and $44,687,116 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $13,334,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $3,200,166 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 114 full-time employees and 14 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $50,226,141, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,202 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 $85,718,232 in used vehicle loans and $28,625,720 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new vehicle or a reliable used car, we have financing options that can work for you.

Business Financing

For business owners, our outstanding commercial loans totaling $47,354,727 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we are here to support your business ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $36,908,769, make buying or refinancing simple. We aim to provide flexible terms and competitive rates to help make your dream of owning a home a reality.

Refinancing Options

If you're considering refinancing any existing loans, our knowledgeable staff can guide you through the process and help determine eligibility options tailored to your unique situation. At Public Service, we are committed to making borrowing easy and accessible for all our members. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Reach out today to explore how our loan offerings can benefit you!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Our credit cards come with benefits that can suit your spending habits while keeping your finances in check.

Loan Aggregator

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Call to Action

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This sourcing ensures that all offers are fair and transparent, giving you peace of mind as you explore your options.

PUBLIC SERVICE CREDIT UNION - Garden City, MI