Savings Accounts

Your Regular Shares account is the cornerstone of your relationship with Public Service Credit Union. This primary savings account establishes your membership and provides a secure foundation for your financial future. With quarterly dividend earnings, your money grows steadily while remaining accessible whenever you need it.

Unlike traditional banks, your Regular Shares account represents your partial ownership in the credit union. This means you're not just a customer—you're a valued member-owner with a voice in our cooperative financial community.

Open your account with a small minimum deposit of $25, then watch your savings thrive through regular contributions, direct deposits, or automatic transfers. Whether you're building an emergency fund, saving for future plans, or simply establishing good financial habits, your Regular Shares account offers the perfect combination of security, accessibility, and growth potential to help you achieve your financial goals.

Your Side Shares accounts offer the perfect complement to your Regular Shares, providing unlimited flexibility to organize your savings exactly how you want. These additional savings accounts work seamlessly under your membership, earning the same quarterly dividends as your primary savings while remaining fully accessible whenever you need them—with absolutely no minimum balance requirement.

Many of our members utilize Side Shares as dedicated funding spaces for specific purposes—whether saving for major purchases, property taxes, recurring bills, or special occasions. Others embrace the popular "envelope budgeting" approach by creating individual Side Shares for everyday categories like groceries, travel, or entertainment expenses. By allocating specific amounts to each purpose, you naturally maintain spending discipline since each "envelope" contains only what you've designated for that particular need.

Members can open up to 16 different Side Share accounts, giving you exceptional versatility to categorize and organize your savings goals. Open as many as you need to bring structure and purpose to your savings strategy. With these specialized accounts working alongside your Regular Shares, you'll enjoy greater control and clarity on your journey toward financial well-being.

As a member-owned financial cooperative, Public Service Credit Union exists to serve your needs rather than maximize profits for shareholders. This fundamental difference translates into tangible benefits that help your money work harder while providing you with an exceptional banking experience.

When you open a savings account with us, you'll discover advantages that set credit unions apart:

• Competitive Dividend Earnings – Experience the power of ownership as your savings grow through higher dividend rates compared to traditional banks. As a member-owner, these earnings represent your share in our collective success.

• Minimal Fees, Maximum Value – We believe in transparent, member-friendly policies with lower fees and reasonable balance requirements. Your financial resources should be building your future, not paying unnecessary charges.

• Relationship-Based Banking – You're never just an account number at Public Service Credit Union. Our team takes the time to understand your unique financial situation, providing personalized guidance tailored to your specific goals and needs.

• Local Economic Growth – Unlike big banks that funnel profits to distant shareholders, every dollar you deposit with us stays right here in Central Wisconsin. Your membership ensures that our earnings are reinvested into the community through competitive loan rates, enhanced member services, and support for local businesses and families. Your financial decisions create a positive economic ripple effect throughout our region.

• Financial Empowerment – Access complimentary educational resources, financial counseling, and personalized guidance designed to enhance your financial confidence and decision-making abilities at every life stage.

By choosing Public Service Credit Union for your savings needs, you're not just opening an account—you're joining a financial partnership dedicated to your success and the prosperity of our shared Central Wisconsin community.

Important Information About Procedures when Opening an Account

To help the government to fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

WHAT THIS MEANS FOR YOU: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver' s license or other identifying documents.