Public Service Credit Union Detroit MI | Best Auto Loans & Business Banking

Introduction

Welcome to Public Service, your trusted partner in financial services located at 4646 John R St, Detroit, MI 48201. Established in 1951, we have proudly served our community for over seven decades, building strong relationships with our members and providing them with the tools they need to succeed financially. With a total membership of 32,500 and total assets amounting to $417,741,926, we are committed to helping you achieve your financial goals. At Public Service, we understand that life can sometimes throw unexpected challenges your way. That's why we offer a variety of services tailored to meet your needs from personal banking solutions like checking and savings accounts to auto loans and mortgages. With a robust total loan portfolio of 15,042 loans and leases, we are here to help you navigate your financial journey with confidence. Our leadership team, led by CEO Dean Trudeau and Board President Fred Morgan, is dedicated to ensuring that our members receive the best service possible. We pride ourselves on transparency and accessibility; if you have any questions or need assistance, don't hesitate to reach out by phone at 313-576-3300 or visit us during our lobby hours from 8:30 AM to 4:30 PM, Monday through Friday. While you can always visit us at our branch address for all your banking needs, please note that official correspondence should be sent to the same address: 4646 John R St, Detroit, MI 48201. Join us today at Public Service Credit Union, where our commitment goes beyond numbers it's about building a brighter future together. Whether you're looking for a new account or advice on loans, we're here to support you every step of the way. Visit our website at www.pscunow.com for more information about our services and how we can assist you. Let's embark on this financial journey together!

Branch History & Mission

At Public Service, our story began in 1951, when we first opened our doors at 4646 John R St in Detroit, MI. Since that time, we've proudly served our community and witnessed incredible growth, now boasting a membership of over 32,500 individuals. Our journey has been one of commitment to not just financial services but also to the people who call this city home. From the very start, Public Service has been dedicated to providing accessible banking solutions tailored to meet the needs of our members. As we evolved over the decades, we embraced new technologies and initiatives that made banking easier and more efficient for everyone. Today, with total assets amounting to $417,741,926, we remain focused on helping our members achieve their financial goals through personal banking services like checking and savings accounts, auto loans, mortgage loans, and more. Our mission is straightforward: we aim to empower our members by providing reliable financial products while also giving back to the community. We believe that supporting local organizations and engaging in community outreach is just as important as offering competitive interest rates and excellent customer service. This commitment drives us to foster partnerships that uplift those around us. While members can visit us at our branch address mentioned above, official correspondence should be sent to the same location: 4646 John R St, Detroit, MI 48201. We are open Monday through Friday from 8:30 AM to 4:30 PM to assist you with your banking needs. Additionally, we offer ATM services for convenient cash withdrawals. In keeping with modern trends and member preferences, we've enhanced our digital services. Our online and mobile banking platforms allow members to manage their accounts anytime and anywhere. We understand the importance of accessibility and strive to provide a welcoming environment for everyone. As we look ahead, we invite you to join us on this journey of growth and community support. Experience firsthand what it means to be part of Public Service; together, we can build a brighter financial future for you and your loved ones. For any inquiries or assistance, feel free to reach out at 313-576-3300 we're here for you!

Branch Location & Accessibility

Accessibility Features

At Public Service, we prioritize accessibility. Our branch is designed with features that ensure everyone can access our services comfortably. There are ADA-compliant ramps and designated parking spots available for members with disabilities. You'll find it easy to navigate our space whether you're stopping by for a quick transaction or spending time discussing your financial goals with one of our knowledgeable staff members.

Call To Action

Ready to take the next step in your financial journey? We invite you to visit us at Public Service Credit Union at 4646 John R St or give us a call at 313-576-3300. Our friendly team is here to help you navigate your banking needs and ensure you have all the support you need!

Operating Hours

We know that convenience is key when it comes to banking. That's why we are open from 8:30 AM to 4:30 PM, Monday through Friday. Feel free to visit us during these hours; we're here ready to assist you with anything from opening checking accounts and savings plans to discussing auto loans or mortgage options.

Services Offered

Our branch offers a range of services designed to meet the diverse needs of our members. You can take advantage of personal banking options such as checking and savings accounts, auto loans, and credit cards with rewards. For business owners, we provide merchant services and business loans tailored just for you. We also offer basic shared branch transactions for partner credit union members and ATM access for withdrawals and balance checks.

Member Eligibility

At Public Service, we believe that becoming a member is like joining a family where everyone supports each other's financial well-being. If you're looking to be part of a welcoming community, you'll find that eligibility is straightforward and inclusive. Generally, anyone who lives, works, worships, or attends school in our local area is welcome to apply for membership. It's our way of ensuring that we serve those who truly belong to this vibrant community. Plus, being a member comes with fantastic benefits like personalized service and access to a variety of financial products tailored just for you. To start your journey with us, simply reach out via phone at (313) 576-3300 or visit us at our branch located at 4646 John R St Detroit Mi 48201. We're here to guide you through the application process and answer any questions you may have. For more detailed information on membership eligibility, feel free to check out our website at . Joining Public Service could be one of the best decisions you make for your financial future!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having the tools you need to accept payments easily and efficiently. Our merchant services allow you to process transactions seamlessly, enabling you to focus on what you do best running your business. Whether it's online payments or point-of-sale solutions, we're here to ensure that your cash flow remains steady. Located at 4646 John R St Detroit Mi 48201, Detroit, MI, our dedicated team is ready to assist you in navigating your financial journey. Reach out at (313) 576-3300 during our operating hours of 8:30 AM - 4:30 PM Monday through Friday, and let's explore how we can help your business thrive!

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

Accessibility Matters

With one ATM conveniently located at our branch and access to basic ATM functions like withdrawals and balance checks, getting your cash has never been easier. We know how important it is for you to have flexible banking options that fit into your busy schedule. Whether you're looking for personal or business financial services, Public Service has got you covered. We invite you to visit us at 4646 John R St Detroit Mi 48201 or give us a call at (313) 576-3300. Let us help you navigate your financial journey with confidence!

Business Banking Services

Running a business comes with its own set of challenges, and that's where we come in. At Public Service, we offer business banking solutions that include merchant services and business loans to help you thrive. Your success is our priority, and we're here to support your vision.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking services so you can manage your finances from anywhere. Whether it's checking your balance, making transfers, or paying bills, our digital platforms make banking simple and accessible. You can also withdraw cash easily through our ATM services or conduct basic shared branch transactions if you're a member of one of our partner credit unions.

Personal Banking Solutions

We understand that personal banking is about more than just having a place to store your money. That's why we offer a variety of checking and savings accounts tailored to fit your lifestyle. Need to finance your dream car? Our auto loans and vehicle financing options make it easy for you to hit the road without breaking the bank. If you're looking for a place to call home, explore our mortgage loans and refinancing options designed to help you achieve that goal. For those moments when life throws unexpected expenses your way, our personal loans and debt consolidation services can provide the financial relief you need. Plus, with credit cards offering rewards, every purchase can bring you closer to something special.

Digital & Online Banking

24/7 Access and Security

With 24/7 online banking services, you have real-time access to your accounts whenever you need it. Whether it's checking balances, making transfers, or paying bills, everything is just a tap away. We prioritize your security with robust protections in place so that you can bank with confidence. At Public Service, we're committed to providing accessible and easy-to-use digital solutions that fit your lifestyle. Join us today and experience the freedom of modern banking!

Key Features of Our Digital Banking Services

With just a few clicks, you can visit our online banking portal at https://www.canvas.org/ to manage your accounts anytime, anywhere. We offer features like electronic signature authorization, allowing you to sign documents quickly without the need for printing or mailing. Plus, if you prefer keeping track of your finances digitally, e-statements are available for easy access to your account information. Our mobile application adds another layer of convenience. You can make mobile payments effortlessly and send money to friends or family through person-to-person transfers. This means no more waiting in lines or needing cash on hand everything is right at your fingertips!

Financial Strength

Dedicated Team

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. With a total of 76,058 share accounts, it's clear that more than 32,500 members trust 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 4646 John R St Detroit Mi 48201 or call (313) 576-3300 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Reinvesting for You

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 $3,200,166 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Strong Financial Position

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.

Supportive Lending Environment

Our commitment to supporting your financial goals is evident with $5,097 in used auto loans and $278,169,888 in total loans and leases. This strong lending capacity allows us to help members achieve their dreams whether it's purchasing a vehicle or financing other needs.

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. We provide flexible terms tailored to your budget, making it easier than ever to drive away in a vehicle that fits your lifestyle.

Business Financing

For business owners, our outstanding commercial loans totaling $47,354,727 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses today and are dedicated to offering support through tailored lending solutions. At Public Service, we believe everyone deserves access to reliable financial assistance. Our team is ready to assist you with refinancing options and eligibility questions. Feel free to reach out at (313) 576-3300 during our operating hours from 8:30 AM to 4:30 PM, Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you navigate your financial journey with confidence!

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. Whether you're looking for your first home or seeking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Personal Financing Solutions

We also cater to those needing personal financing through unsecured credit card loans. Currently, we have a total of $0 in these loans available to help members manage their finances effectively. These cards come with flexible terms, allowing you to use credit for various needs without the burden of secured collateral.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to transparency means that users are presented with fair and verified offers based on the latest results (Source: NCUA). Each loan listing reflects current market conditions, allowing users to see which options best fit their financial needs.

Benefits of Using LendMesh

- Verified Data: All loan offers come from legitimate financial institutions, ensuring a trustworthy comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results for all users. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly identify the best available options. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effectively LendMesh serves its users. For anyone looking to secure a favorable loan rate, using LendMesh is a smart choice. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Public Service