Business Details
Your Trusted Credit Union for Loans, Savings & Financial Services
Public Service Federal Credit Union has been dedicated to providing members with exceptional financial services and community-focused support since our establishment. Our team of experienced professionals offers a comprehensive range of products including competitive loans, mortgages, savings accounts, and credit cards, all designed to meet diverse financial needs. We prioritize personalized service and financial education to help members make informed decisions. Backed by NCUA federal insurance, we ensure security for all deposits up to $250,000.Our commitment to accessibility and technological innovation is demonstrated through advanced mobile banking solutions and ADA-compliant digital platforms. We maintain transparent operations with clear fee schedules and disclosure policies while actively supporting financial inclusion. Through strategic partnerships and community engagement, we strive to deliver value-driven services that promote long-term financial wellness for our members.
Services
Auto Loans
Personal Loans
Savings Accounts
Mortgage Loans
Checking Accounts
Certificates of Deposit
Visa Debit Cards
Online Bill Pay
Mobile Banking
Loan Calculators
Highlights and features
- We offer NCUA-insured accounts up to $250,000 for complete financial security
- Our competitive loan rates include auto loans starting at 4.00% APR
- We provide 24/7 mobile banking access with real-time account management
- Our community-focused approach prioritizes local financial education initiatives
- We maintain transparent fee structures with clear product disclosures
Associations and certifications
- NCUA
Services
Auto Loans
Our auto loan program offers competitive rates starting at 4.00% APR for qualified borrowers. We provide financing options for both new and used vehicles with flexible terms up to 72 months. Our loan specialists work directly with members to find the most suitable financing solution for their transportation needs.
Personal Loans
Customizable personal loan options are available for various financial needs including debt consolidation and home improvements. We offer fixed interest rates and repayment terms up to 60 months with no prepayment penalties. Our streamlined application process ensures quick approval decisions for qualified applicants.
Savings Accounts
We provide multiple savings account options with competitive interest rates and no monthly maintenance fees. Our accounts include tiered rate structures and dividend-bearing options to help members grow their savings. All deposits are protected by NCUA federal insurance up to $250,000.
Mortgage Loans
Our mortgage lending program offers fixed and adjustable rate options for home purchases and refinancing. We provide conventional loans with terms up to 30 years and specialized programs for first-time homebuyers. Our local loan officers assist members through the entire mortgage process from pre-approval to closing.
Mobile Banking
Our mobile banking app enables 24/7 account access with real-time balance updates and transaction history. Features include instant fund transfers, bill payment, and mobile check deposit. The secure platform meets federal accessibility standards and includes biometric authentication options for enhanced security.
Questions
How do I become a member of Public Service Federal Credit Union?
Membership requires a $5 minimum deposit to open a savings account. We serve residents of Middlesex County and immediate family members of existing members.
What loan rates do you currently offer for auto financing?
Our current auto loan rates start at 4.00% APR for qualified borrowers with terms available up to 72 months for new vehicles.
Do you offer mobile banking services?
Yes, our free mobile banking app provides account access, fund transfers, bill payment, and mobile check deposit features available 24/7.
Are my deposits insured at Public Service Federal Credit Union?
All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. government agency.
What are your branch hours of operation?
Our Middlesex branch is open Monday, Tuesday, Thursday, and Friday from 7:30 AM to 4:00 PM, and Wednesday from 8:00 AM to 4:00 PM.
Do you offer online loan application options?
Yes, we provide online loan calculators and pre-application tools through our website, with full application processing available through our loan officers.
