Credit union · NCUA insured
Public Service Credit Union Savings Rates
Top CarrotPublic Service Credit Union’s best savings rate is 0.20% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Public Service Credit Union’s savings 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
0.20%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $20
Money Market Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Public Service Credit Union savings score
68
Savings score
Higher than 21% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.20%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.20%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.20%APY
No minimum balance required. No monthly fee. No minimum balance fee, no withdrawal fee. Eligible to use as an overdraft account for Overdraft Protection. Requires Savings Account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Dividends paid quarterly. | 0.20% | $20 | Dividends paid quarterly. |
| $25,000 – $100,000Dividends paid quarterly. | 0.30% | — | Dividends paid quarterly. |
| $100,000 – $250,000Dividends paid quarterly. | 0.45% | — | Dividends paid quarterly. |
| $250,000 – $500,000Dividends paid quarterly. | 0.50% | — | Dividends paid quarterly. |
| Over $500,000Dividends paid quarterly. | 0.70% | — | Dividends paid quarterly. |
Regular Savings
0.01%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid quarterly.Any balance | 0.01% | $1 | Dividends paid quarterly. |
Sources (1)
- pscunow.com/rates · captured Sep 18, 2026
Round Up
0.01%APY
Requires a PSCU checking account with debit card. Automatically rounds up purchases to $1, $5, or $10.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.01% | $1 | Dividends paid monthly. |
Special-purpose accounts
IRA Accounts
0.30%APY
Includes Traditional IRA, Roth IRA, and Coverdell ESA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Dividends paid quarterly. | 0.10% | — | Dividends paid quarterly. |
| $2,500 – $25,000Dividends paid quarterly. | 0.30% | $30 | Dividends paid quarterly. |
| $25,000 – $100,000Dividends paid quarterly. | 0.50% | — | Dividends paid quarterly. |
| $100,000 – $250,000Dividends paid quarterly. | 0.70% | — | Dividends paid quarterly. |
| $250,000 – $500,000Dividends paid quarterly. | 1.00% | — | Dividends paid quarterly. |
| Over $500,000Dividends paid quarterly. | 1.20% | — | Dividends paid quarterly. |
Club Account
0.01%APY
Options include Christmas Club, Vacation Club, and Temporary Club. No minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid monthly.Any balance | 0.01% | $1 | Dividends paid monthly. |
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.