Rates
Effective as of 6/1/2025
Loan Rates
Titled Collateral Loans
Titled Collateral includes automobiles, trucks, motorcycles, campers with titles, trailers with titles, and boats over 16 ft long.
2015 & newer collateral may be financed up to 100% of an average of JD Power clean and average trade-in values or best available evaluation
2014 and older collateral may be financed up to 90% of an average of JD Power clean and average trade-in values or best available evaluation
| Term | APR* |
|---|---|
| 24 months | 4.99% |
| 36 months | 4.99% |
| 48 months | 5.20% |
| 60 months | 5.45% |
| 72 months | 5.60% |
| 84 months | 5.99% |
90 Days of Summer Special
Save 0.90% on Your Rate!
From June 1st through August 31st, get 0.90% off the rates above when you finance a purchase from a dealer or refinance from another financial institution. This exclusive summer offer applies to all titled collateral loans, helping you save even more on your auto, truck, motorcycle, camper, or boat loan.
To qualify: Your loan must involve a purchase from a dealer or a refinance from another financial institution. Full application must be received by August 31st.
Ready to take advantage of these summer savings? Start your application at publicservicecu.org/loanapp or call (715) 842-9865 and press 2 to speak with our lending team.
Untitled Collateral Loans
Untitled Collateral includes snowmobiles, ATVs, UTVs, campers without titles, trailers without titles, jetskis, boats under 16 ft long, tractors, jewelry, large equipment, or any other untitled collateral that is evaluated and insurable.
2015 & newer collateral may be financed up to 100% of the best available value determined by lending staff
2014 and older collateral may be financed up to 90% of the best available value determined by lending staff
| Term | APR* |
|---|---|
| 24 months | 6.10% |
| 36 months | 6.25% |
| 48 months | 6.50% |
| 60 months | 6.65% |
| 72 months | 6.75% |
| 84 months | 6.80% |
90 Days of Summer
Your Recreational Vehicles Qualify Too!
Planning to finance that new snowmobile, ATV, UTV, or boat under 16 feet? Our summer special applies here as well! Take 0.90% off these rates when you purchase from a dealer or refinance your recreational vehicle from another lender.
Whether it's time for a new jetski for lake season or you're eyeing that ATV for fall adventures, now's the perfect time to secure financing at an even better rate.
Questions about what qualifies as untitled collateral? Our team can help determine if your purchase is eligible for these special summer rates.
Real estate loans
| Balloon Term | Amortization | APR* |
|---|---|---|
| 8 years | Up to 30 Years | 5.65% |
| Fixed Term | APR* |
|---|---|
| 5 years | 5.40% |
| 10 years | 5.65% |
| 15 years | 5.90% |
Unsure of what a balloon mortgage is?
A balloon mortgage offers lower monthly payments initially, but a large sum is due at the end of the term (8 years). Think of it like inflating a balloon - with small, easy payments early on, like a 30-year mortgage. But before the final payment hits after 8 years, you have options! You can pay the lump sum, refinance the mortgage with Public Service Credit Union or another lender, or sell the home. If you’d like to learn more about these kinds of mortgages, use the button above!
90 Days of Summer
$90 Off Closing Costs This Summer!
Making your homeownership dreams a reality just got more affordable. During our 90 Days of Summer promotion, we're taking $90 off closing costs for all mortgage loans - whether you're buying your first home, upgrading to something bigger, or refinancing your current mortgage.
Our streamlined mortgage process means one dedicated team member handles your entire loan from application to closing, making your home financing experience as smooth as possible. With our competitive rates and summer savings, there's never been a better time to make your move.
Don't wait - your complete application must be received by August 31st to qualify for this limited-time offer.
2nd Mortgages are only available for fixed 5 and 10 year terms
If you are requesting a mortgage loan with Public Service Credit Union, you can use the button below to look up information regarding the employees of Public Service Credit Union.
Public Service Credit Union NMLS# 442120
Tanya Anderson - Member Service Rep. NMLS# 2689277
Bonnie Grayson - VP, Operations & Lending NMLS# 2317471
Kyle Turner - President NMLS# 2485753
Signature loans
A signature loan is a fixed-term unsecured loan meaning you do not have collateral securing the loan. This loan is subject to credit approval up to a limit of $5,000.00. Any member who has an active Kwik Cash line of credit is ineligible to receive a signature loan.
| Term | APR* | Credit Limit |
|---|---|---|
| up to 60 months | 10.00% | $5,000 |
Kwik Cash Line of Credit
A Kwik Cash line of credit is a revolving, unsecured line of credit similar to a credit card. There is a minimum payment dependent on the balance on the account. If there is a $0 balance, then there is no minimum payment. This line of credit is subject to credit approval up to a limit of $5,000.00. Any member who has an active signature loan is ineligible to open a Kwik Cash line of credit.
| Term | APR* | Credit Limit |
|---|---|---|
| Until Closed | 11.75% | $5,000 |
Share Secured Loan
This product is a great way to build credit or establish credit history! A share secured loan lets you borrow money using your savings account balance as collateral against the loan. We “freeze” the amount that you borrow for the loan, but the money will continue to earn dividends in your shares savings account. As you pay back the loan, the “frozen” funds become available for you to use or withdraw. The only limit is the balance of your savings account. Payments for this loan, like all loans at Public Service Credit Union, are reported to the credit bureau, So this is a great way to build credit history in a cost effective way!
| Term | APR* | Credit Limit |
|---|---|---|
| up to 60 months | 2.00% | Subject to Savings Balance |
90 Days of Summer
Every Loan is a Winner This Summer!
Here's something sweet to go with those great rates: every loan that closes during our 90 Days of Summer (June 1st - August 31st) is automatically entered to win one of five $90 Kwik Trip gift cards. Whether it's an auto loan, personal loan, mortgage, or any other financing - each loan gets one entry in our summer drawing.
The more loans you close, the better your chances! Planning to finance a car AND consolidate some debt? That's two chances to win. It's just another way we're celebrating 90 years of serving our members.
No additional steps needed - we'll automatically enter every qualifying loan for you. Good luck!
Deposit Rates
Account rates are variable and may change after the account is opened. If you have any questions or require current rate information on your accounts, please call the credit union at (715) 842-9865 or email info@publicservicecu.org. These rates and APYs were offered within the most recent seven calendar days and are accurate as of the date listed above. If you have any questions on the dividend rates on your account, please consult your Truth-In-Savings document or contact the credit union during business hours.
Checking
| Account Type | Balance that Rate Applies To | Rate | APY** | Dividends Pay |
|---|---|---|---|---|
| Surge Checking | $1,000.00 or less | 9.57% | 10.00% | Monthly |
| Surge Checking | More than $1,000.00 | 0.05% | From 10.00% to 0.05% | Monthly |
90 Days of Summer
Be a Surge Checking Founder - Win Big!
You're looking at our brand-new Surge checking account, launched this summer with an incredible 10% APY on your first $1,000. But here's the best part: the first 90 members to open a Surge checking account will be entered into our exclusive Founders Drawing!
Founders will be eligible to win a prize package featuring a $90 gift card plus premium credit union merchandise including cozy blankets, portable phone chargers, and other great items. It's our way of saying thank you to the members who help us launch this exciting new account.
Ready to be a Surge Founder? Open your account today and enjoy high-yield earnings while you're automatically entered to win.
Savings
If you have any questions on the dividend rates on your account, please consult your Truth-In-Savings document or contact the credit union during business hours.
| Account Type | Rate | APY** | Dividends Pay |
|---|---|---|---|
| Regular Shares | 0.15% | 0.15% | Quarterly |
| Side Shares | 0.15% | 0.15% | Quarterly |
| IRA Shares | 0.15% | 0.15% | Quarterly |
A minimum $25.00 balance and membership eligibility are required for Regular Shares. See Truth-In-Savings Disclosure for full account details
Club Share Rates
| Account Type | Balance that Rate Applies To | Rate | APY** | Dividends Pay On |
|---|---|---|---|---|
| Holiday Club | $5,000.00 or less | 1.00% | 1.00% | October 1st |
| Holiday Club | More than $5,000.00 | 0.15% | From 1.00% to 0.15% | October 1st |
Minimum $25.00 opening deposit; early withdrawal penalties may apply. See Truth-In-Savings Disclosure for full account details
Powerhouse Money Market Shares
| Balance | Rate | APY** |
|---|---|---|
| $9,999.99 or less | 0.15% | 0.15% |
| $10,000.00 - $24,999.99 | 1.00% | 1.00% |
| $25,000.00 - $49,999.99 | 1.88% | 1.90% |
| $50,000.00 - $74,999.99 | 1.93% | 1.95% |
| $75,000.00 - $99,999.99 | 2.13% | 2.15% |
| $100,000.00 or more | 2.47% | 2.50% |
Minimum $10,000.00 opening deposit; dividends are computed on a daily balance and credited to the account monthly. Excessive withdrawal fees may apply; fees may reduce earnings. See Truth-In-Savings Disclosure for full account details
Share Certificate Rates
| Share Certificate Term | Rate | APY** | Minimum Deposit |
|---|---|---|---|
| 6 Months | 1.00% | 1.00% | $500 |
| 12 Months | 2.72% | 2.75% | $500 |
| 24 Months | 2.96% | 3.00% | $500 |
| 36 Months | 3.20% | 3.25% | $500 |
| 48 Months | 3.20% | 3.25% | $500 |
| 60 Months | 2.96% | 3.00% | $500 |
| Minor - 12 Months* | 3.93% | 4.00% | $100 |
*Only members under the age of 18 are eligible to open/renew this certificate. Maximum of $10,000 on deposit in certificate Early withdrawal penalties may apply to all share certificates. See Truth-In-Savings disclosure for your certificate.
The advertised APY with a minimum deposit assumes dividends remain on deposit until maturity. Public Service Credit Union will terminate the account and impose a penalty if a withdrawal of principal is made prior to the Maturity Date. Early withdrawal penalties apply and are disclosed in the original Share Certificate Truth-In-Savings Disclosure. Certificates will rollover at maturity into a like term at the then prevailing dividend rate. Membership eligibility is required. Membership requires a minimum balance of $25 in a Public Service Credit Union Shares Account. Insured by NCUA.
What is the difference between the rate and APY (Annual Percentage Yield)?
The APY can be very confusing but is a very useful tool in knowing exactly what the return on your deposit will be, especially when shopping around with different financials. Some banks and credit unions will pay your interest or dividends monthly, once a quarter, or even just twice a year, Think about saving money in a piggy bank that grows your money over time. The rate tells you how much extra money you'll get, like "2% more money." But APY tells you the whole story - it shows how much extra money you'll really get because your financial institution adds the extra money at different times during the year.
When the bank or credit union adds your extra money more often (like every month instead of once a year), you get even more money because your extra money starts earning extra money too! APY helps you figure out which financial institution will give you the most money back when you save with them. So make sure that you get the biggest return on your money and look for high APYs with Public Service Credit Union!