Your First Loan Starts Here.
A first-time loan built to help you grow your credit.
We understand the importance of your financial journey, independence, and goals. Whether it's your first car purchase or line of credit, PSCU is here to help our young adults along the way to financial freedom.
How It Works*
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Low Payments
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Competitive Rates
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Financial Education
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Establishing Credit
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Easy Online Application
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No Application or Processing Fee
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Loan options include First Time Auto Buyer, Next Gen Line of Credit, Pledge Loan, and more.*
2026 Public Service Credit Union | Routing Number 272079487 | NMLS Number: 469775 | Privacy Notice
APR=Annual Percentage Rate. All loans are subject to credit approval, loan terms and conditions, membership requirements, and program limitations. Rates, terms, and conditions are subject to change at any time. Additional restrictions may apply. Rates based on credit history, term, security, and amount borrowed. Membership eligibility required.
First Time Auto Buyers
APR=Annual Percentage Rate. Minimum security deposit of $500 or 10% required. Auto Pay or ACH required. Maximum loan amount is $18,000. Vehicles must be no more than 7 years old with less than 85,000 miles and be insured. Applicants must be employed with verifiable income. For qualified buyers only. Not all applicants will qualify.
Next Gen Line of Credit
Must be at least 18 years of age. Must meet lending guidelines to qualify for new loans. Must have verifiable income.
No credit history or co-signer required. All loans subject to credit approval and underwriting. Not all members will qualify.
Next Gen Savings & Checking
Membership eligibility required. Available to members ages 18-24. A $25 deposit is required to open savings account; $5 will remain on hold to represent the member’s ownership in the credit union and indicate membership in good standing. No minimum balance required. Account approval is subject to verification; not all applicants will qualify. Additional terms may apply. Federally insured by the NCUA up to $250,000.