WHAT TYPE OF LOAN ARE YOU LOOKING FOR?

Apply for a Loan

Auto Loans are ideal if you are considering purchasing a new or used vehicle, but do not have all the cash on hand. 

Terms up to 84 months (some restrictions apply)

  • Competitive rates 

  • Up to 100% financing for qualified members

  • Easy online application

  • No application or processing fee

Home Equity Loans are ideal if you are starting to get serious about your home to-do list. We have flexible options to help with that list like

  • Flexible term options- Lump sum loans or revolving lines of credit (Some restrictions apply)

  • Up to 90% financing for qualified members

  • Easy online application

  • No application or processing fee

Pay my Loan

Mortgage loans are offered through our partnership with Member First Mortgage, a full service mortgage lender with more than 50 years of combined experience. We offer mortgage loans for as few as seven years and up to thirty years. Apply Here!

Get a quote today
•Saves you time with an easy application process and pre-approval options
•Flexible terms
•Wide variety of mortgage types

Personal loans are ideal if you have a situation where you need access to money sooner rather than later. There are many different scenarios in which you may need a personal loan. Whatever stage in life you're in, we have the right loan for you.

Boat/RV loans are ideal if you are ready for a little adventure! Whether it is that boat you have your eye on or an RV for your family camping trips, PSCU is here to help finance your fun.

debt consoliation calculator

Choosing the right credit card is easier than ever

No matter which card you choose, you’ll enjoy important features like:

• EMV smart chip technology for added security

• Mobile purchasing capability for added convenience

• Plus, much more!

Pay Down Balances

Visa® Platinum Card

Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.

Flexible Cash Rewards

Cash Rewards American Express® Card

Earn cash back(1) every time you use your card: 3% on the first $6,000 in eligible net purchases made each year at gas stations,(2)(4) 2% on eligible supermarket net purchases, and 1% on all other eligible net purchases, plus $25 cash back after your first purchase.

Rewards to Use The Way You Want

Premier Rewards American Express® Card

Earn up to 4 points for every $1 spent on eligible net restaurant purchases,(6) 3 points for every $1 spent on eligible net airline purchases, 2 points for every $1 spent on eligible net gas purchases and 1 point for every $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.(3) There's no cap or limit on the number of points you can earn, and you have five years to redeem for rewards.(4) Also, receive reimbursement for either Global Entry or TSA Pre✔®.(7)

Visa® Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).(5) Plus, earn 2,500 bonus rewards points after your first purchase.(3) There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.

Visa® College Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.(5) There’s no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.(4) 2,500 bonus rewards points awarded after first purchase(3), redeemable for $25 cash back, merchandise, gift cards or travel saving.

Visa® Secured Card

Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history(8), here's a great way to begin that process. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

 

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8 Late payments and going over the credit limit may damage your credit history. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

GAP Coverage: covers the financial debt between what is owed on a loan and what the insurance company will pay in the event the automobile is stolen or declared a total loss before the loan is paid off. Make sure to ask about the cost for this awesome coverage and how it can be incorporated into your auto loan. 

We now offer Auto Deductible Assistance with your GAP coverage... for $499, you can have it all! Roll it into your auto loan to make sure you have the best coverage!

 

Mechanical Repair Coverage

When you find the car you love, you'll no doubt want to protect it. PSCU can help you protect your new or pre-owned vehicle with Mechanical Repair Coverage (MRC). With MRC, you'll no longer have to worry about how you'll pay repair expenses not covered by your manufacturer warranty. Plus, you can choose the term, mileage limit and deductible that meet your needs and fit your budget. You pay only the deductible amount you select – $0, $100, $250 or $500. Click here for more!

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(734) 641-8400 


Routing # 272079487

NMLS #: 469775


Copyright © 2012 Public Service Credit Union
Privacy / Disclosures

Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government. We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. 

THIRD PARTY LINK DISCLAIMER - LINKED WEBSITES ARE NOT UNDER THE CONTROL OF PUBLIC SERVICE CREDIT UNION AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED WITHIN A LINKED SITE.  THE PRIVACY OR SECURITY POLICIES AT A LINKED SITE MAY BE DIFFERENT FROM THOSE PRACTICED AT PUBLIC SERVICE CREDIT UNION AND YOU SHOULD REVIEW THE PRIVACY POLICY OF ANY LINKED SITE. 

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