Credit union · NCUA insured
Public Service Credit Union
Top CarrotA $459.4M credit union headquartered in Romulus, MI, with 31,795 members and 11 branches in Michigan. Best rates: CDs 4.32% and savings 0.20% APY.
Public Service Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 78% of U.S. banks and credit unions
#22 of 75 in Detroit, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Public Service Credit Union
Founded in 1951, Public Service Credit Union is a member-owned financial cooperative headquartered in Romulus, Michigan.
Originally founded as Wayne County Employees Federal Credit Union, the institution operates 11 branches across Metro Detroit.
- Headquarters
- 7665 Merriman Rd, Romulus, MI 48174-1920
- NCUA charter
- 60683
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Michigan.
Cost to join
- New members can open an account with $25.
Branches
11 branches in Michigan
Loading map…
Michigan
11 branches
- Public Service Credit UnionMain office7665 Merriman Rd, Romulus, MI 48174Directions
- Cadillac Place3044 W Grand Blvd Ste L-350, Detroit, MI 48202Directions
- Detroit Eastside14481 Gratiot Ave, Detroit, MI 48205Directions
- Veterans Health Administration Branch4646 John R St, Detroit, MI 48201Directions
- Flat Rock26121 Vreeland Rd, Flat Rock, MI 48134Directions
- Garden City5838 Middlebelt Rd, Garden City, MI 48135Directions
- Grosse Ile Branch8095 Macomb St, Grosse Ile, MI 48138Directions
- Oak Park13401 W 9 Mile Rd, Oak Park, MI 48237Directions
- Redford Branch26838 Plymouth Rd, Redford, MI 48239Directions
- Trenton Branch3555 West Rd, Trenton, MI 48183Directions
- Warren Branch2000 12 Mile Rd, Warren, MI 48092Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.61% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.03% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.94% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $76 | $76 | — |
- CapitalNet worth ratio11.61%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.03%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.94%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$76Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Public Service Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.