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

Introduction

Welcome to Public Service, your trusted financial partner located at 13401 W 9 Mile Rd, Oak Park, MI 48237. Since opening our doors in 1951, we have dedicated ourselves to providing exceptional banking services tailored to meet the needs of our community. With over 32,500 members, we pride ourselves on fostering strong relationships and delivering personalized support. At Public Service, we're more than just a credit union; we're a part of your community. Our total assets of $417,741,926 and robust net worth of $50,226,141 reflect our commitment to financial stability and growth for our members. We currently manage a total loan portfolio of 15,042, enabling us to support various personal and business financing needs. Our branch is equipped with a range of services designed for convenience and accessibility. From personal banking options like checking and savings accounts to specialized products such as auto loans and mortgage refinancing, we aim to cater to all aspects of your financial journey. You can also take advantage of our online and mobile banking features, making it easier than ever to manage your finances on the go. While members can visit us at 13401 W 9 Mile Rd, official correspondence should be sent to the same address for your convenience. For any inquiries or assistance, feel free to reach out by calling us at 734-641-8400 or faxing at 734-641-8470. Under the leadership of CEO Dean Trudeau and Board President Fred Morgan, our dedicated team of 128 employees is here to help you navigate your financial options confidently. Whether you're looking for competitive rates on loans or advice on saving strategies, Public Service is committed to serving you with integrity and care. Ready to take the next step in your financial journey? Visit us today or explore more about our services at www.pscunow.com. Together, let's build a brighter financial future!

Branch History & Mission

Community Commitment

At Public Service, we believe in giving back. Our mission extends beyond just banking; we actively participate in community outreach initiatives that foster growth and support for local organizations. We partner with schools and nonprofits to promote financial literacy and create opportunities for all members of our community. This commitment is an essential part of who we are as a credit union. Our operating hours are designed to accommodate busy lifestyles: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. Additionally, we offer ATM availability for your convenience. Although we do not have drive-thru service at this location, we are proud to provide shared service center access for basic transactions through partner credit unions. While members can visit us at our Oak Park branch address for their banking needs, official correspondence should be sent to our mailing address at 13401 W 9 MILE RD, Oak Park, MI 48237.

Modern Banking Solutions

In an effort to enhance member experience, we've embraced digital advancements such as online banking and mobile applications that allow you to manage your finances anytime and anywhere. Our focus on customer-centric initiatives ensures that all our members receive personalized attention tailored to their unique circumstances. As we look toward the future, we invite you to join us on this exciting journey. Become a part of the Public Service family today and experience firsthand the benefits of being a member-focused credit union that truly cares about its community. Whether you're looking for a new checking account or need assistance with your first mortgage, we're here for you every step of the way. For more information or assistance, please reach out at (734) 641-8400. We look forward to welcoming you!

Branch Location & Accessibility

Convenient Access and Amenities

Our location offers plenty of parking options, and we are committed to making banking accessible for everyone. The branch is ADA compliant, featuring ramps and other accessibility features to ensure that all members feel welcome. Although we do not have drive-thru banking, our friendly staff is ready to assist you inside.

Get in Touch!

Have questions or want to learn more about what we offer? Don't hesitate to give us a call at 734-641-8400. Our dedicated team looks forward to welcoming you soon! Visit us today and experience the friendly service that makes Public Service a trusted credit union in the community.

Operating Hours

We understand that life can be busy! That's why our lobby hours are convenient for your schedule: 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. Whether you're stopping by before work or on the weekend, we're here to help you manage your banking needs.

Services Offered

At Public Service, we pride ourselves on offering a wide range of services tailored to fit your financial goals. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. We also provide online and mobile banking for easy access anytime, anywhere. If you need cash quickly, our ATM is available for withdrawals and balance checks. While members can visit us at our branch address, official correspondence should be sent to the same address: 13401 W 9 MILE RD, Oak Park, MI 48237.

Member Eligibility

Joining Public Service is like becoming part of a close-knit community where your financial well-being truly matters. To become a member, you'll find that the eligibility requirements are designed to be welcoming and inclusive. While specifics can vary, generally, individuals who live, work, or worship in the Oak Park area may qualify for membership. This means that if you're rooted in our vibrant community, we'd love to have you on board! You can explore more about the eligibility details by visiting this resource, which offers up-to-date information. Once you're ready to take the next step, opening an account at Public Service is straightforward and hassle-free. We're dedicated to providing personalized service that meets your needs, whether you're looking for savings accounts, loans, or other financial services. If you have any questions or need assistance along the way, don't hesitate to call us at (734) 641-8400. Together, we can help you achieve your financial goals while enjoying all the benefits that come with being part of our family at Public Service, located at 13401 W 9 Mile Rd Oak Park Mi 48237.

Business Banking & Commercial Services

Lending Solutions for Every Need

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.

Merchant Services That Work

In today's fast-paced world, having reliable merchant services is vital. Imagine seamlessly processing payments while offering your customers various options credit, debit, or mobile payment. Our tailored solutions allow you to focus on what matters most: running your business efficiently. Located conveniently at 13401 W 9 Mile Rd Oak Park Mi 48237 in Oak Park, MI, we are here to help you navigate your business banking needs. Let us partner with you on this exciting journey! For more information, give us a call at (734) 641-8400.

Comprehensive List Of Services

Business Banking

For entrepreneurs and business owners, our services include comprehensive Business Banking options like Merchant Services & Business Loans. We know how critical cash flow is for running a successful business, and we're here to support your ventures with tailored financial solutions.

Credit Options

We also understand the importance of having the right credit tools at your disposal. That's why we offer Credit Cards with Rewards that can earn you points on everyday purchases, making each transaction beneficial.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our Online & Mobile Banking platforms allow you to manage your accounts anytime and anywhere. You can easily access ATM & Cash Withdrawal Services or perform basic shared branch transactions such as deposits and withdrawals if you're a member of partner credit unions. With features like mobile payments and person-to-person transfers, managing your finances has never been easier! Plus, you can enjoy basic ATM access for withdrawals and balance checks wherever you go. At Public Service, we aim to make banking as easy and accessible as possible. Whether you're visiting us in person or accessing services online, we're committed to providing exceptional support every step of the way. If you have any questions about our services or want to learn more about how we can assist you in reaching your financial aspirations, don't hesitate to reach out at (734) 641-8400. Join us today at Oak Park, where we're not just about banking; we're about building relationships!

Home Financing

For those planning to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services provide competitive rates and flexible terms. Picture the comfort of owning your home with a mortgage that suits your financial situation. Our team is here to guide you every step of the way.

Personal Banking

Whether you're opening your first checking account or looking for a reliable savings plan, our personal banking options are tailored for you. We offer Checking & Savings Accounts that fit various lifestyles, ensuring you have easy access to your funds. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing make the process straightforward and affordable. Imagine driving off in your dream vehicle with financing that works for your budget!

Personal Loans

Sometimes life throws unexpected expenses our way. With our Personal Loans & Debt Consolidation, you can tackle those costs without stress. Whether it's funding a home improvement project or consolidating debt into one manageable payment, we're ready to help ease your financial burden.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which brings all the power of online banking right to your fingertips. Need to make a quick payment? Our mobile payments feature makes it easy to send money instantly. Plus, with person-to-person transfers, sharing expenses with friends or family has never been easier. Concerned about security? You can rest easy knowing that we provide electronic signature authorization for transactions, ensuring that your information remains protected. And if you prefer going paperless, our e-statements availability means you can receive all your account statements electronically helping you stay organized while being environmentally friendly. We aim to make your banking as straightforward as possible. Our user-friendly platform allows for real-time account management, so you're always in control of your finances. At Public Service, we're committed to providing accessible and efficient services that cater to your needs. No matter where life takes you, trust us to be there every step of the way with our reliable digital banking solutions. Experience how easy managing your money can be!

Financial Strength

Commitment to Growth

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.

Growing Membership Base

Total Share Accounts stand at 76,058, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $58,682, indicating our ability to support the financial needs of our community. 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 13401 W 9 Mile Rd Oak Park Mi 48237 or call (734) 641-8400 to learn more about how we can help you achieve your financial goals.

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.

Secure Savings Opportunities

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.

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. We provide flexible terms and competitive interest rates to ensure that financing your next vehicle is as easy as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $47,354,727 provide the capital needed to grow and expand. We recognize the unique challenges faced by businesses today and strive to offer tailored solutions to meet those challenges head-on. If you're considering refinancing options or want to know more about eligibility requirements for any of our loan products, don't hesitate to ask. We're committed to helping you find the right financial solution for your situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Public Service in Oak Park, MI, 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 will guide you through each step of the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we currently have $0 in unsecured credit card loans available, our team can assist you in exploring other credit options that best fit your needs.

Loan Aggregator

Benefits of Using LendMesh

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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 commitment to sourcing from reputable lenders guarantees fair and transparent offers.

Public Service