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

Introduction

Welcome to Public Service, your trusted credit union located at 26121 Vreeland Rd, Flat Rock, MI 48134. Established in 1951, we have proudly served our community for over seven decades, focusing on the financial well-being of our members. With a strong commitment to helping you achieve your financial goals, we are delighted to support more than 32,500 members with a wide range of services tailored to meet your needs. At Public Service, we understand that financial matters can be daunting. That's why our dedicated team of 128 employees, led by CEO Dean Trudeau and Board President Fred Morgan, is here to provide friendly and knowledgeable assistance. Whether you're looking for personal banking solutions, auto loans, or business financing options, we've got you covered. We take pride in our robust financial health, boasting total assets of $417,741,926 and total deposits reaching $11,835,889. Our solid net worth stands at $50,226,141, reflecting our stability and reliability as your go-to financial partner. With over 15,042 loans and leases currently in service, we are committed to providing the resources you need to succeed financially. While you can always visit us at our branch in Flat Rock for any inquiries or transactions, please note that official correspondence should be sent to the same address: 26121 Vreeland Rd, Flat Rock, MI 48134. Our operating hours are convenient: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you have questions or need assistance right away, feel free to give us a call at 734-783-3240. Join us at Public Service today and experience the difference of being part of a member-focused credit union. We look forward to supporting your journey toward financial success! For more information about our services or to get started with an account, visit us online at canvas.org.

Branch History & Mission

Welcome to Public Service, a credit union with a rich legacy that has proudly served the Flat Rock community since its inception in 1951. With a steadfast commitment to our members and their financial well-being, we have grown alongside our community, nurturing relationships that empower us to provide exceptional services tailored to their needs. Located at 26121 Vreeland Rd, Flat Rock, MI 48134, our branch stands as a beacon of support and accessibility. Whether you're visiting for personal banking or to explore our comprehensive range of loans including auto financing, mortgages, and credit cards with rewards our dedicated team is here to guide you every step of the way. We're not just about transactions; we're about building lasting connections. Over the years, Public Service has experienced significant growth. Today, we proudly serve over 32,500 members and manage total assets exceeding $417 million. Our mission is simple yet profound: to provide not only financial services but also meaningful community support. We believe in putting our members first, offering solutions that help them achieve their financial goals while fostering a sense of belonging. Our commitment extends beyond banking. We actively engage with local initiatives and partnerships aimed at uplifting our community. Through outreach programs and sponsorships, we strive to make a positive impact on the lives of those we serve. As part of our dedication to innovation and accessibility, we offer modern conveniences such as online and mobile banking, ATMs available for your convenience, and drive-thru services for quick transactions. Whether it's a simple deposit or complex loan inquiry, we prioritize your experience by ensuring all interactions are customer-centric and efficient. While members can visit us at 26121 Vreeland Rd, official correspondence should be sent to the same address for consistency. Our operating hours are designed for your convenience: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Join us today at Public Service and discover how we can help you navigate your financial journey. Experience the difference that comes from being part of a credit union that truly cares about its members and their community! For any inquiries or assistance, feel free to reach out at 734-783-3240. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Public Service! Conveniently located at 26121 Vreeland Rd Flat Rock Mi 48134 in the heart of Flat Rock, MI, our branch is designed with you in mind. We're just a stone's throw away from popular local spots, making it easy for you to drop by while running errands or enjoying your day out. Whether you're here for personal banking, loans, or simply to chat with our friendly staff, we are ready to assist you. While members can visit us at 26121 Vreeland Rd Flat Rock Mi 48134, official correspondence should be sent to 26121 Vreeland Rd, Flat Rock, MI 48134. Our branch is fully accessible and includes ADA-compliant features, ensuring that everyone can comfortably reach us. We also offer ample parking, so you won't have to worry about finding a spot during your visit. At Public Service, we pride ourselves on being available when you need us. Our operating hours are 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 gives you plenty of opportunities to stop by at your convenience. For those who prefer quick service, we offer drive-thru banking where you can handle deposits and withdrawals without leaving your vehicle. Additionally, our ATM is available for cash withdrawals and balance inquiries whenever you need it. As a shared service center, we also provide basic transactions for members of partner credit unions, making it even easier for everyone in the community to access financial services. If you have any questions or need assistance, don't hesitate to give us a call at (734) 783-3240. We look forward to welcoming you at Public Service!

Member Eligibility

At Public Service, we believe that everyone deserves a chance to be part of a caring and supportive community. If you're looking to join us at our branch located at 26121 Vreeland Rd Flat Rock Mi 48134, you're in for a treat! Membership is open to anyone who lives, works, worships, or attends school in the area. Whether you're a first-time member or seeking a friendly banking alternative, we welcome you with open arms. Becoming a member is simple and rewarding. Not only will you gain access to a range of personalized financial services, but you'll also enjoy the benefits of being part of a cooperative that prioritizes your needs. To get started on your membership journey, feel free to give us a call at (734) 783-3240 or check out our eligibility criteria at . We're excited to help you open an account and start enjoying all that Public Service has to offer!

Business Banking & Commercial Services

Streamlined Merchant Services

In addition to our loan options, we offer merchant services that make it easy for you to manage your transactions. Imagine processing payments with ease while focusing on what matters most growing your business. Our tools help you accept credit cards, manage payroll, and streamline your operations without the hassle. If you're looking for a partner who understands your needs and can provide the financial support necessary for success, visit us at 26121 Vreeland Rd Flat Rock Mi 48134 in Flat Rock, MI, or call us at (734) 783-3240 to learn more about how we can help your business flourish!

Tailored Loan Solutions

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

For business owners, Public Service offers comprehensive banking solutions including merchant services and business loans. We understand that running a business comes with its own set of challenges, and we're here to provide the financial tools you need for success.

Convenient Access

Accessing your accounts has never been easier. With ATM availability right at our branch and basic drive-thru banking services for deposits, withdrawals, and simple transactions, we ensure that your banking experience is efficient. Plus, our shared service center allows partner credit union members to perform basic transactions effortlessly. At Public Service, we believe in making financial services accessible and straightforward. Our operating hours are designed with your convenience in mind: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. If you have any questions or want more information about how we can assist you financially, don't hesitate to reach out at 734-783-3240. Visit us today or explore more about our offerings at our website. Your journey towards better financial health starts here!

Credit Card Benefits

Don't forget about our credit cards with rewards! These cards not only help you manage your spending but also allow you to earn points for everyday purchases. It's a great way to get more out of your spending while enjoying the security of having a reliable credit option at hand.

Home Financing

If you're considering purchasing a new home or refinancing an existing mortgage, our mortgage loans are here to help. With competitive rates and flexible terms, we aim to make the home buying process as smooth as possible. Our personal loans and debt consolidation options provide additional support for those unexpected expenses that life throws your way.

Personal Banking Solutions

Whether you're looking to open a checking or savings account, our personal banking services are tailored for you. Imagine easily managing your finances with our user-friendly online and mobile banking platforms. You can check balances, transfer funds, and pay bills from the comfort of your home or on the go. We also offer attractive auto loans and vehicle financing options, making it simpler than ever to drive away in your dream car.

Digital & Online Banking

Mobile Banking Features

Our mobile application brings the bank to you! Not only can you manage your accounts from your smartphone or tablet, but you can also take advantage of mobile payments. This feature allows you to make purchases quickly and securely without needing cash or cards. And for those times when you want to send money to friends or family, our person-to-person transfer option makes it simple and fast.

Online Banking Services

With our online banking platform available at https://www.canvas.org/, you can access your accounts anytime you need. Check your balances, make transfers, and pay bills with just a few clicks. Plus, if you prefer paperless statements, our e-statements feature is available to help you stay organized while keeping your information secure.

Security You Can Trust

We prioritize your security with features like electronic signature authorization, ensuring that your transactions are safe and verified. You can have peace of mind knowing that your personal information is protected as you manage your finances from anywhere. In summary, the digital and online banking services at Public Service offer accessibility, ease-of-use, and real-time account management that fits into your lifestyle. We're here to support you every step of the way in reaching your financial goals. Join us today and experience the future of banking!

Financial Strength

At Public Service, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to maintaining strong financial health ensures that we can support you in achieving your financial goals. With a net worth of $50,226,141, we maintain robust 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. 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. Our financial strength is further highlighted by $40,418,274 in undivided earnings, which we reinvest into innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $5,097 in used auto loans and $278,169,888 in total loans and leases, our lending capacity supports your financial ambitions across various sectors. Our impressive net income of $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 dedicated to serving you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $58,682. Total Share and Deposit Accounts: 76,058, 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 26121 Vreeland Rd Flat Rock Mi 48134 or call (734) 783-3240 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 and competitive interest rates to ensure that you can drive away in the vehicle you want without breaking the bank.

Business Loans

For business owners, our outstanding commercial loans totaling $47,354,727 provide the capital needed to grow and expand your business. We understand that businesses require different financing solutions, and our team is dedicated to finding the right option for your needs. At Public Service, located at 26121 Vreeland Rd Flat Rock Mi 48134 in Flat Rock, MI, we are committed to providing personalized service and expert advice. For more information about our loan offerings or to discuss how we can assist you further, please call us at (734) 783-3240 during our operating hours: M-TH 9 AM to 5 PM, FRI 9 AM TO 6 PM, and SAT 9 AM TO 1 PM. 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 support your journey towards financial wellness!

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 various mortgage products tailored to fit your financial situation. If you're interested in refinancing an existing mortgage, our team is here to discuss eligibility options that could save you money.

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 card products come with rewarding features designed to help you make the most out of every purchase while staying within your budget.

Loan Aggregator

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Public Service