Credit union · NCUA insured
Public Service Credit Union
A $87.5M credit union headquartered in Fort Wayne, IN, with 4,967 members and 2 branches in Indiana. Best rates: CDs 6.00% and savings 0.20% APY.
Public Service Credit Union Carrot Score
78
Carrot Score
Higher than 46% of U.S. banks and credit unions
#12 of 23 in Fort Wayne, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Public Service Credit Union
Founded in 1932, Public Service Credit Union is a member-owned, not-for-profit financial cooperative.
Headquartered in Fort Wayne, Indiana, it operates locations in Fort Wayne and Huntington.
The credit union was started by Clarence Hensch to lend money to fellow NIPSCO employees during the Great Depression, with its first loan being $25 to buy a cow.
Over the years, it merged with several credit unions including Kunkle, Eckrich, Essex, Indiana Postal, Peoples & Employees, Pinnacle Credit Union, and Huntington County FCU.
- Headquarters
- 4025 W Jefferson Blvd, Fort Wayne, IN 46804
- NCUA charter
- 64275
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives or works in Allen County or Huntington County is eligible for membership.
Cost to join
- Membership requires opening a savings account with a $5 deposit.
Branches
2 branches in Indiana
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Indiana
2 branches
Fort Wayne area · 1
- Jefferson BranchMain office4025 W Jefferson Blvd, Fort Wayne, IN 46804Directions
Huntington area · 1
- Huntington Branch1885 Old US 24 E, Huntington, IN 46750Directions
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 | 11.74% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.79% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $69 | $59 | — |
- CapitalNet worth ratio11.74%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.79%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$69Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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.