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

Introduction

Welcome to Public Service, your trusted financial partner located at 2000 E 12 Mile Rd, Warren, MI 48092. Established in 1951, our credit union has grown to support a vibrant community of over 32,500 members. With total assets exceeding $417 million and a commitment to helping you achieve your financial goals, we are proud to offer a range of services tailored just for you. At Public Service, we prioritize your needs above all else. Our dedicated team of 128 employees, led by CEO Dean Trudeau and Board President Fred Morgan, is here to ensure you receive personalized service and expert guidance. Whether you're looking for personal banking options like checking accounts and auto loans or business solutions including merchant services and business loans, we have something for everyone. While members can visit us at our branch location, please note that any official correspondence should be directed to our mailing address: 7665 Merriman Rd, Romulus, MI 48174-1920. With total deposits of $11,835,889 and a net worth of $50,226,141, we maintain a strong financial foundation. We also hold a substantial cash reserve of $5,164,793, ensuring that we're always ready to assist you when you need it most. We invite you to explore our full suite of services and discover how Public Service can enhance your financial journey. Feel free to call us at 734-641-8400 or visit our website at www.pscunow.com for more information. Your financial well-being is our mission!

Branch History & Mission

Community Commitment

Our commitment extends beyond banking. We actively participate in community outreach programs and partnerships that uplift those around us. Whether it's sponsoring local events or offering financial education workshops, we are here for you. With amenities like ATM availability and drive-thru banking, we ensure convenience for all members. Plus, with shared service center options available, accessing your funds has never been easier.

Join Us

We invite you to experience the difference at Public Service. Join us today and discover how we can help you achieve your financial goals while being part of a vibrant community-focused organization. Together, let's build a brighter future! For more information or assistance, feel free to call us at (734) 641-8400.

Our Journey

Our journey began with a vision to empower individuals and families in our community through accessible financial services. Over the years, we've celebrated many milestones that reflect our commitment to our members and their aspirations. Located at 2000 E 12 Mile Rd, Warren, MI 48092, we are situated near key landmarks that make us easily reachable for all your banking needs. As we evolved, so did our offerings. We have embraced modern technology while ensuring our services remain personal and friendly. Whether you need help with checking accounts, auto loans, or mortgage financing, we strive to meet your needs with excellence.

Our Mission

At Public Service, our mission is clear: to provide quality financial services while making a positive impact in the community we serve. We believe that every member deserves not just banking solutions but also support and guidance on their financial journey. We take pride in being more than just a credit union; we are a partner in your success. While members can visit us at 2000 E 12 Mile Rd Warren Mi 48092, official correspondence should be sent to 7665 Merriman Rd, Romulus, MI 48174-1920 if needed. We encourage everyone to take advantage of our operating hours: Monday to Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM.

Branch Location & Accessibility

Welcome to the Warren Branch of Public Service Credit Union, conveniently located at 2000 E 12 Mile Rd, Warren, MI 48092. Our branch is situated near popular local spots, making it easy for you to stop by while running errands or enjoying a day out. Whether you're visiting the nearby shopping centers or heading home from work, we're here to serve your banking needs. At Public Service, we believe accessibility is key. Our location features ample parking and is fully compliant with ADA standards, ensuring that everyone can comfortably access our services. If you prefer to use our drive-thru service, you'll find it efficient and user-friendly for quick transactions like deposits and withdrawals. Our operating hours are designed with your busy schedule in mind. We're 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. This flexibility allows you to visit us when it's most convenient for you. For those who enjoy the convenience of modern banking, we offer ATM services right here at the branch. Plus, if you're a member of another credit union that participates in shared services, feel free to utilize our facilities for basic transactions. If you have any questions or need assistance, don't hesitate to reach out! You can call us at 734-641-8400. We look forward to welcoming you at Public Service Credit Union, where your financial well-being is our priority!

Member Eligibility

At Public Service, we believe that everyone deserves a chance to be part of a supportive and friendly financial community. Joining us is simple! If you live, work, or worship in the Warren area, you're likely eligible to become a member. We welcome individuals from all walks of life, and our commitment is to provide you with personalized service tailored to your needs. The advantages of membership include access to great savings accounts, competitive loan rates, and resources designed to help you achieve your financial goals. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . If you're ready to take the next step and open an account, don't hesitate to reach out to us at (734) 641-8400 or visit us at our location: 2000 E 12 Mile Rd Warren Mi 48092. We can't wait to welcome you into our family at Public Service!

Business Banking & Commercial Services

Merchant Services That Matter

Beyond loans, our merchant services simplify transactions so you can focus on what you do best running your business. Imagine a bustling café where customers can pay easily using mobile apps, or a retail store that quickly processes payments without long wait times. Our services are designed to enhance customer experiences while streamlining your operations. Join us at Public Service, located at 2000 E 12 Mile Rd Warren Mi 48092 in Warren, MI, and discover how we can help your business thrive. Reach out at (734) 641-8400 to learn more about our business banking options today!

Tailored Loan Options

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans provide competitive rates and flexible terms, making it easier for you to drive away in the vehicle you want. We understand that securing financing can be daunting, so our friendly staff is here to guide you through every step of the process.

Business Banking

For entrepreneurs and business owners, Public Service offers comprehensive business banking solutions including merchant services and business loans. We understand how vital it is for businesses to have reliable banking support and we're here to help you succeed.

Convenient Access

To enhance your banking experience, we also offer ATM services for easy cash withdrawals and deposits. If you prefer face-to-face interactions, our drive-thru service allows for quick transactions without leaving your vehicle. Additionally, members can utilize shared branch transactions for deposits and withdrawals at partner credit unions across the nation. This means more accessibility when managing your accounts. At Public Service, we pride ourselves on being more than just a bank; we're part of the community. With our commitment to exceptional service and member satisfaction, we invite you to visit us at 2000 E 12 Mile Rd Warren Mi 48092 or give us a call at (734) 641-8400. Explore how we can assist you in achieving your financial dreams today!

Credit Cards with Rewards

Our credit cards come with rewards that make everyday purchases more rewarding. Whether you're paying for groceries or planning a vacation, earn points that can be redeemed for travel, merchandise, or cash back.

Mortgage Loans & Refinancing

For those considering homeownership or refinancing their current mortgage, we offer various mortgage solutions. With personalized assistance, we'll help you find the loan that best suits your financial goals. Picture settling into your dream home with a mortgage tailored just for you.

Personal Banking

Our personal banking services are designed with you in mind. Whether you're looking to open a checking or savings account, we offer options that fit your lifestyle. Imagine having the ability to manage your finances right from your smartphone or computer through our online and mobile banking platforms. You can check your balance, transfer funds, and pay bills with just a few taps.

Personal Loans & Debt Consolidation

If life's unexpected expenses arise or if you're looking to consolidate debt, our personal loans can provide relief. We work with members to create manageable repayment plans, helping them regain control of their finances.

Digital & Online Banking

E-Statements and Security

Staying organized is crucial for effective money management. That's why we offer e-statements that you can access anytime, eliminating the clutter of paper statements while keeping your information secure. Your privacy is our priority, and our robust security measures ensure that your data remains protected. At Public Service, we believe that banking should be straightforward and accessible. Our digital services are tailored to meet your needs and help you take charge of your financial journey with ease. Join us today and experience the convenience of modern banking!

Mobile Application and Payments

For those who prefer banking on their smartphones, our mobile application is available for download. With this app, you can enjoy the flexibility of mobile payments and person-to-person transfers right from your pocket. Need to send money to a friend? It's as easy as a few taps! Plus, with our electronic signature authorization feature, you can complete transactions securely without needing to print or mail any documents.

Online Banking Access

With our 24/7 online banking services, you can check balances, make transfers, and pay bills whenever it suits you. Simply visit us at https://www.canvas.org/ to get started. This user-friendly platform allows you to manage your finances in real-time, ensuring that you're always in the loop.

Financial Strength

Efficiency That Benefits You

Our strong performance is reflected in our $3,200,166, showcasing our operational efficiency. This enables 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.

Growing Community Trust

With total share accounts reaching 76,058, we have built a robust member base that trusts us with their finances. Our net shares available for lending stand at $58,682, highlighting our capability to support your needs effectively. 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 2000 E 12 Mile Rd Warren Mi 48092 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.

Reinvestment for Better Services

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 members' financial goals across various sectors with $5,097 in used auto loans and $278,169,888 in total loans and leases.

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 interested in financing a new ride or need support for a reliable used vehicle, our team is here to assist you through every step of the process.

Business Financing

For business owners, our outstanding commercial loans totaling $47,354,727 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and fostering economic development within our community. At Public Service, we believe in empowering our members through tailored financial solutions. If you're considering refinancing options or want to learn more about eligibility requirements for any of our loan products, please don't hesitate to reach out. You can contact us at (734) 641-8400, or visit us at 2000 E 12 Mile Rd Warren Mi 48092, Warren, MI. 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 towards achieving your financial dreams!

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 offer competitive rates and flexible terms to ensure that you find the perfect fit for your financial situation.

Unsecured Credit Card Loans

For those looking to manage their finances more effectively, we also provide flexible terms on unsecured credit card loans. Although currently, our total unsecured credit card loans stand at $0, we're committed to helping our members navigate their credit needs responsibly.

Loan Aggregator

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PUBLIC SERVICE CREDIT UNION - Warren, MI