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

Introduction

Welcome to Public Service at Cadillac Place, your trusted partner in financial well-being since 1951. Located conveniently at 3044 W Grand Blvd Ste L350, Detroit, MI 48202, we are dedicated to serving our community with a wide range of banking solutions tailored for you. With a total membership of 32,500 and assets exceeding $417,741,926, we pride ourselves on fostering strong relationships with our members while ensuring their financial security. Under the leadership of CEO Dean Trudeau and Board President Fred Morgan, we have built a reputation based on trust and commitment. Our team of 128 employees is here to provide personalized service that makes banking easier and more accessible for everyone. Whether you're looking for auto loans, personal banking options, or business services, we're here to help. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 7665 Merriman Rd, Romulus, MI 48174. We understand that your time is valuable, which is why we offer services like online banking and mobile payments to make managing your finances simple and convenient. With total deposits of $11,835,889 and a strong net worth of $50,226,141, you can feel confident that your money is in good hands. Our commitment to community impact goes beyond numbers; it's about making a difference in the lives of our members every day. We invite you to explore all that Public Service has to offer. Feel free to reach out by calling us at 734-641-8400 or visiting our website at pscunow.com for more information on how we can assist you today!

Branch History & Mission

Community Focus

Community involvement is at the heart of what we do. We work tirelessly to build partnerships that uplift our neighbors and foster a spirit of collaboration. Through outreach programs and local initiatives, we strive to make a positive impact in Detroit and surrounding areas. As we look toward the future, we remain committed to ensuring that every member feels valued and supported. Our friendly staff is available during lobby hours from 9:00 AM to 5:00 PM, ready to answer questions or help you navigate your financial journey. Join us at Public Service! Experience firsthand how we're more than just a credit union we're a trusted partner in your financial success. Whether you're opening your first account or seeking advice on loans or investments, we're here for you every step of the way. Reach out today at 734-641-8400 or visit us online at www.pscunow.com. Let's build a brighter future together!

Our Mission

At Public Service, our mission is clear: we are dedicated to enhancing the financial well-being of our members while actively supporting our community. We offer a range of services including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Whether you're looking for help with checking accounts or need financing for your next vehicle purchase, we're here to assist you every step of the way. We believe in making banking easy and convenient for everyone. That's why we offer online and mobile banking options along with ATM access. Members can enjoy efficient banking experiences without compromising on personalized service. While you can visit us at 3044 W Grand Blvd Ste L350, official correspondence should be sent to our mailing address: 7665 Merriman Rd, Romulus, MI 48174.

Branch Location & Accessibility

Call Us Today!

Ready to experience the difference at Public Service? Don't hesitate to reach out by calling us at (734) 641-8400 or stop by our branch. We look forward to welcoming you and helping you with all your financial needs!

Convenient Access

At Public Service, we understand that accessibility is key. Our location features ample parking, and our facilities are ADA compliant, ensuring that everyone can visit us comfortably. Whether you're stopping by for a quick transaction or a more in-depth consultation, you'll find our friendly staff ready to assist you.

Operating Hours and Services

We invite you to visit us during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. Though we do not have drive-thru banking available, our dedicated team is here to help with a range of services including personal banking, auto loans, mortgage loans, and business banking solutions. Plus, we offer ATM availability for those quick cash needs. If you need to send official correspondence, please note that while you can visit us at 3044 W Grand Blvd Ste L350 Detroit Mi 48202, our mailing address is 7665 Merriman Rd, Romulus, MI 48174.

Member Eligibility

Joining the community at Public Service is like becoming part of a family where everyone supports each other's financial well-being. To become a member, you'll need to meet some friendly eligibility requirements. Essentially, if you live, work, worship, or attend school in the area surrounding 3044 W Grand Blvd Ste L350 Detroit Mi 48202, you're likely eligible to join! This inclusivity makes it easy for many individuals to experience the benefits of membership, which include personalized service and a range of financial products designed with your needs in mind. If you want to dive deeper into the specific criteria or check for any updates, feel free to visit our eligibility page at . Opening an account with us is straightforward and welcoming. You can easily get started by visiting us in person or reaching out through our phone number at (734) 641-8400. We're here to guide you every step of the way as you take this exciting step towards better financial health with Public Service!

Business Banking & Commercial Services

Merchant Services That Make Sense

In today's fast-paced world, managing transactions smoothly is key. Our merchant services help businesses like yours accept payments easily, whether it's through credit card processing or mobile payment options. Imagine being able to serve your customers quickly while keeping track of sales effortlessly this is what we aim for at Public Service. We invite you to visit us at 3044 W Grand Blvd Ste L350 Detroit Mi 48202 in Detroit, MI, or give us a call at (734) 641-8400 to learn more about how our business banking and commercial services can support your goals. Let's work together to turn your vision into reality!

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

Business Banking Services

For entrepreneurs and small business owners, we offer tailored business banking solutions including merchant services and business loans. Running a business requires financial agility; let us help you manage cash flow effectively while providing resources that promote growth.

Digital Access at Your Fingertips

In today's fast-paced world, convenience is key. That's why Public Service provides robust online and mobile banking services. From checking balances to making transfers or paying bills on-the-go, managing your finances has never been easier. Plus, with ATM access available for withdrawals and balance checks, getting cash when you need it is straightforward.

Home Financing Solutions

Buying a home can be daunting, but with our mortgage loans and refinancing options, it doesn't have to be. We provide personalized service to guide you through the process, ensuring you find the best fit for your financial situation. Picture yourself settling into your new home, knowing you made a smart investment with the help of our dedicated team.

Personal Banking Made Easy

When it comes to managing your finances, having the right tools at your disposal is crucial. At Public Service, we offer a variety of checking and savings accounts that cater to different lifestyles. Imagine being able to easily track your spending while saving for that dream vacation! Our accounts are designed to be user-friendly, with online and mobile banking options so you can access your funds anytime, anywhere. If you're considering purchasing a vehicle, our auto loans and vehicle financing options make it simple to drive away in the car you want. We understand how important reliable transportation is for our members, which is why we strive to offer competitive rates and flexible terms.

Personal Loans for Every Need

Life can throw unexpected expenses your way, which is where our personal loans and debt consolidation services come into play. Whether it's for medical bills, home repairs, or consolidating existing debts, we work with you to create a plan that fits within your budget. Our aim is to empower you financially so that you can focus on what really matters.

Shared Services for Our Members

As part of our commitment to serving our community, we also facilitate basic shared branch transactions like deposits and withdrawals for members of partner credit unions. This means even if you're not near one of our branches, accessing your funds remains hassle-free. At Public Service, located at 3044 W Grand Blvd Ste L350 Detroit Mi 48202 in Detroit, MI, we are here to assist with all your financial needs. If you'd like more information about any of these services or have questions about how we can support you better, feel free to give us a call at (734) 641-8400. Your journey towards smarter financial management starts here! Visit us today or check out our website at Cadillac Place for more details!

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and packed with features that put you in control. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with the availability of electronic signature authorization, signing documents has never been simpler or more secure. No need for printing or mailing just a quick click, and you're done! For those who prefer paperless options, we offer e-statements to help you keep track of your finances while reducing clutter. You'll receive your statements directly in your inbox, making it easy to stay organized and informed.

Mobile Banking Made Easy

Take banking even further with our mobile application. Available for download on both iOS and Android devices, it gives you access to all the features you love about online banking right at your fingertips. Whether you're looking to make person-to-person transfers or set up mobile payments for quick transactions at stores, our app has got you covered. Security is always a top priority at Public Service. Our digital services use advanced technology to protect your information so you can bank with confidence. In summary, whether you're checking balances, transferring money, or enjoying the ease of mobile payments, our digital and online banking services are designed with your needs in mind. Visit us today at https://www.canvas.org/ to explore how we can support your financial journey!

Financial Strength

Growing Member Base

We currently serve over 32,500 members through a robust network of 76,058 share accounts. This growing member base shows that people trust us with their finances a testament to our reliability. 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 3044 W Grand Blvd Ste L350 Detroit Mi 48202 or call (734) 641-8400 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.

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. This dedicated team ensures our branches are always ready to assist you with knowledgeable service.

Reinvesting in Our Members

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 capacity to lend is significant; we have $5,097 in used auto loans and $278,169,888 in total loans and leases available to support your financial goals across various sectors.

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.

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 a brand-new vehicle or a reliable used option, our flexible terms can fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $47,354,727 provide the capital needed to grow and expand. We support local businesses with tailored solutions designed to meet unique operational needs.

Credit Lines

For those looking for additional financial flexibility, our total credit lines amount to $108,800,000. These lines of credit are perfect for unexpected expenses or planned purchases that require immediate funding without the hassle of applying for a traditional loan.

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 provide personalized guidance through the process, ensuring that you find the right loan for your situation.

Refinancing Options

If you're considering refinancing any existing loans to take advantage of lower rates or better terms, our team can assist you in exploring eligibility options that best suit your financial landscape. You can reach us at (734) 641-8400 or visit us at 3044 W Grand Blvd Ste L350 Detroit Mi 48202 in Detroit, MI. We're here to help you navigate your options and make informed decisions about your borrowing needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. These credit cards come with rewards and benefits that can enhance your purchasing power without the burden of secured collateral.

Loan Aggregator

No Sponsored Listings

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Real-Time Rate Comparisons

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Verified Data

LendMesh guarantees that all loan offers are sourced from legitimate financial institutions. This commitment to verified data ensures that users have access to accurate information when exploring their borrowing options.

Public Service