Membership That Works for You!
Anyone who lives, works, worships, or attends school in Michigan can join Public Service Credit Union. Opening a membership requires $25, a valid U.S. government-issued ID, and a Social Security number, and accounts can be opened online or at any of PSCU's 11 Metro Detroit branches. Members are part-owners of the credit union and have access to checking and savings accounts, consumer and home equity loans, credit cards, business banking, and full digital banking.
Join a credit union that’s focused on your future.
Can You Join Public Service Credit Union?
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If you live, work, worship, or go to school in Michigan.*
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Ready to get started? Here’s what you’ll need:​
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Just $25 to open your account
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A valid U.S. government-issued ID
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Your Social Security Number
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Must be 16 or older (Youth Accounts are available for younger members)
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Frequently Asked Questions
Who can join Public Service Credit Union?
Membership is open to anyone who lives, works, worships, or attends school in Michigan. Eligible family members of current members may also qualify, subject to membership requirements.
What do I need to open a PSCU account?
Opening a membership requires $25, a valid U.S. government-issued ID, and a Social Security number. Applicants must be 18 or older, except for youth accounts opened with a parent or guardian.
How much does it cost to join PSCU?
A PSCU membership can be opened with $25. That deposit establishes the member's share in the credit union.
Can I open a PSCU account online?
Yes. Memberships can be opened online through PSCU's digital account opening system, or in person at any PSCU branch.
Do I have to live in Michigan to be a PSCU member?
No. Eligibility is based on living, working, worshipping, or attending school in Michigan. Anyone who meets one of those conditions may apply.
Can my child open an account with PSCU?
Yes. PSCU offers youth accounts for children and teens, including Smart Kids Savings for ages 0 to 13, Smart Start Checking and Savings for ages 14 to 17, and Next Gen Checking and Savings for ages 18 to 24. Youth account holders without access to a drivers license can open their account at a branch with a parent or guardian.
What accounts can I open as a new PSCU member?
New members can open savings and checking accounts, money market accounts, certificates of deposit and club accounts. Members also have access to auto loans, personal loans, home equity financing, credit cards and business accounts.
Is my money safe at a credit union?
Yes. Deposits at Public Service Credit Union are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government agency.
How long does it take to open a PSCU account?
Most memberships can be opened in a single session online or during one branch visit, provided the applicant has their ID, Social Security number, and opening deposit ready. Account opening is subject to membership eligibility and program requirements.
What is the difference between a credit union and a bank?
A credit union is owned by its members rather than by outside shareholders. Earnings are returned to members through account and loan terms instead of being paid to investors, which is why credit unions often emphasize competitive terms and personal service.
About Public Service Credit Union
Public Service Credit Union has served Michigan members since 1951, when it was founded as Wayne County Employees Federal Credit Union. PSCU is a not-for-profit financial cooperative owned by its members, headquartered in Romulus, Michigan, with 11 branches across Metro Detroit.
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Deposits are federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government agency. Equal Housing Opportunity.