Credit union · NCUA insured
Public Service Credit Union CD Rates
Top CarrotPublic Service Credit Union’s best CD rate is 4.32% APY on a 3-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Public Service Credit Union’s CD rates compare
Compared with banks and credit unions near Detroit, MI, where Public Service Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Public Service Credit Union
4.05%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $167
CD Specials
Top rate
FreeStar Financial Credit Union
5.25%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $798
2nd-highest rate
Diversified Members Credit Union
5.15%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $515
Public Service Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.05%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.75%
- QualifiedQualified4.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Public Service Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo CD
Up to 4.32%APY · 1 term
Designed to provide higher dividend rates for higher minimum balance. Requires Savings Account. Dividends paid quarterly. No Monthly Fees.
| Term | APY · $250,000 – $6,000,000 | APY · $500,000 – $6,000,000 | APY · $1,000,000 – $6,000,000 | APY · $3,000,000 – $6,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 monthsDividends paid Quarterly | 4.06% | 4.06% | 4.32% | 4.32% | —4.06% $250k–$6,000k4.06% $500k–$6,000k4.32% $1,000k–$6,000k4.32% $3,000k–$6,000k | — |
CD Specials
Up to 4.05%APY · 2 terms
Promotional rates effective May 26th, 2026, and subject to change without notice. $1,000 minimum to open. 5-month term and 7-month to revert to non-promo 6-month term upon maturity. Specials are non-renewable. Subject to penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsDividends paid Annually. Reverts to non-promo 6-month term upon maturity. Specials are non-renewable | 4.05% | $167 |
| 7 monthsDividends paid Annually. Reverts to non-promo 6-month term upon maturity. Specials are non-renewable | 4.03% | $233 |
Sources (1)
- pscunow.com/rates · captured Sep 18, 2026
CD - Tier CD
Up to 3.75%APY · 7 terms
Requirements: Savings Account, Minimum Deposit of $500. No Monthly Fee. 1x bump feature allows members with long-term CDs to benefit in a rising rate market. Product features a Step Up feature where you can adjust your interest rate if it goes up.
| Term | APY · $500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 6 monthsTier I. Dividends Paid annually | 3.12% | — | — | — | — | 3.12% | $155 |
| 6 monthsTier II. Dividends Paid annually | — | 3.12% | — | — | — | 3.12% | $155 |
| 6 monthsTier III. Dividends Paid annually | — | — | 3.12% | — | — | —3.12% from $50k | — |
| 6 monthsTier IV. Dividends Paid annually | — | — | — | 3.17% | — | —3.17% from $100k | — |
| 6 monthsTier V. Dividends Paid annually | — | — | — | — | 3.28% | —3.28% from $250k | — |
| 12 monthsTier I. Dividends Paid annually | 3.20% | — | — | — | — | 3.20% | $320 |
| 12 monthsTier II. Dividends Paid annually | — | 3.20% | — | — | — | 3.20% | $320 |
| 12 monthsTier III. Dividends Paid annually | — | — | 3.20% | — | — | —3.20% from $50k | — |
| 12 monthsTier IV. Dividends Paid annually | — | — | — | 3.25% | — | —3.25% from $100k | — |
| 12 monthsTier V. Dividends Paid annually | — | — | — | — | 3.30% | —3.30% from $250k | — |
| 18 monthsTier I. Dividends Paid annually | 3.35% | — | — | — | — | 3.35% | $507 |
| 18 monthsTier II. Dividends Paid annually | — | 3.35% | — | — | — | 3.35% | $507 |
| 18 monthsTier III. Dividends Paid annually | — | — | 3.35% | — | — | —3.35% from $50k | — |
| 18 monthsTier IV. Dividends Paid annually | — | — | — | 3.35% | — | —3.35% from $100k | — |
| 18 monthsTier V. Dividends Paid annually | — | — | — | — | 3.35% | —3.35% from $250k | — |
| 24 monthsTier I. Dividends Paid annually | 3.35% | — | — | — | — | 3.35% | $681 |
| 24 monthsTier II. Dividends Paid annually | — | 3.35% | — | — | — | 3.35% | $681 |
| 24 monthsTier III. Dividends Paid annually | — | — | 3.35% | — | — | —3.35% from $50k | — |
| 24 monthsTier IV. Dividends Paid annually | — | — | — | 3.35% | — | —3.35% from $100k | — |
| 24 monthsTier V. Dividends Paid annually | — | — | — | — | 3.40% | —3.40% from $250k | — |
| 36 monthsTier I. Dividends Paid annually | 3.50% | — | — | — | — | 3.50% | $1,087 |
| 36 monthsTier II. Dividends Paid annually | — | 3.50% | — | — | — | 3.50% | $1,087 |
| 36 monthsTier III. Dividends Paid annually | — | — | 3.50% | — | — | —3.50% from $50k | — |
| 36 monthsTier IV. Dividends Paid annually | — | — | — | 3.50% | — | —3.50% from $100k | — |
| 36 monthsTier V. Dividends Paid annually | — | — | — | — | 3.55% | —3.55% from $250k | — |
| 48 monthsTier I. Dividends Paid annually | 3.65% | — | — | — | — | 3.65% | $1,542 |
| 48 monthsTier II. Dividends Paid annually | — | 3.65% | — | — | — | 3.65% | $1,542 |
| 48 monthsTier III. Dividends Paid annually | — | — | 3.65% | — | — | —3.65% from $50k | — |
| 48 monthsTier IV. Dividends Paid annually | — | — | — | 3.65% | — | —3.65% from $100k | — |
| 48 monthsTier V. Dividends Paid annually | — | — | — | — | 3.70% | —3.70% from $250k | — |
| 60 monthsTier I. Dividends Paid annually | 3.75% | — | — | — | — | 3.75% | $2,021 |
| 60 monthsTier II. Dividends Paid annually | — | 3.75% | — | — | — | 3.75% | $2,021 |
| 60 monthsTier III. Dividends Paid annually | — | — | 3.75% | — | — | —3.75% from $50k | — |
| 60 monthsTier IV. Dividends Paid annually | — | — | — | 3.75% | — | —3.75% from $100k | — |
| 60 monthsTier V. Dividends Paid annually | — | — | — | — | 3.75% | —3.75% from $250k | — |
Save to Win CD
3.55%APY · 1 term
Requirements: Must be 18 years or older, Savings Account. Additional deposits can be made throughout the term. Every qualifying deposit of at least $25 into STW is an entry into monthly and quarterly prize drawings. No monthly fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid Annually (rates table) / quarterly (features text) | 3.55% | $355 |
23 Months CD
3.50%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 23 monthsDividends paid Annually | 3.50% | $682 |
Sources (1)
- pscunow.com/rates · captured Sep 18, 2026
Relationship CD
3.50%APY · 1 term
Requirements: Direct Advantage Savings or Direct Advantage Plus Savings, Direct Deposit of at least $800 or $5000 loan balance. No Monthly Fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsDividends paid Annually (rates table) / quarterly (features text). Direct Deposit of at least $800 or $5000 loan balance required | 3.50% | $530 |
Special-purpose accounts
CD IRA
Up to 3.75%APY · 7 terms
CD IRA ONLY Rates. Product features a Step Up feature where you can adjust your interest rate if it goes up.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends Paid annually | 3.12% | $155 |
| 12 monthsDividends Paid annually | 3.20% | $320 |
| 18 monthsDividends Paid annually | 3.35% | $507 |
| 24 monthsDividends Paid annually | 3.35% | $681 |
| 36 monthsDividends Paid annually | 3.50% | $1,087 |
| 48 monthsDividends Paid annually. Features Step Up feature where rate can be adjusted if it goes up | 3.65% | $1,542 |
| 60 monthsDividends Paid annually. Features Step Up feature where rate can be adjusted if it goes up | 3.75% | $2,021 |
Sources (1)
- pscunow.com/rates · captured Sep 18, 2026
Grow With Me CD
3.30%APY · 1 term
Designed to give children a financial head start by saving. Requirements: Smart Kids or Smart Start Savings Account. Additional deposits can be made into the CD throughout the term. No monthly fee.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDividends paid Annually (rates table) / quarterly (features text). Additional deposits can be made throughout the term | 3.30% | $330 |
Who can join Public Service Credit Union
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.
Membership information collected October 5, 2026.