Personal Loans Consolidate your debt and start fresh! click to learn more
Make your loan payments online from a credit card, debit card or another bank account.



We offer low-rate personal loans…for your personal needs.  If you have an unexpected medical expense or car repairs, are looking to consolidate debt or perhaps are planning a vacation or wedding; a PSCU personal loan may be right for you. Our personal loans feature highly-competitive fixed rates with loan terms up to 60 months, and a convenient online application.

Pre-Approved Loan Offers

Are you already a member at Public Service?  If so, you can now get your own personalized pre-approved loan offers online!  In just a couple of steps, you can see which loans you’ve been pre-approved for without an impact to your credit score!


Other Loan RatesTerm up toAPR as low asPayment Calculator
Personal Loan60 months11.49%Loan Payment Calculator
Credit Builder60 months12.00%Loan Payment Calculator
Share Secured60 months4.00%Loan Payment Calculator
Certificate Secured60 months1.00%+Certificate RateLoan Payment Calculator
Restrictions:  Loans not to exceed 60 months; Loans not to exceed 18%. *APR=Annual Percentage Rate.  Rates are based upon credit worthiness and are subject to change without notice.  We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Repayment Example: a $10,000 loan for a term of 60 months with a 11.49%APR, the monthly payment would be $219.93.

Share Secured Loans

Share secured loans are essentially a way for you to borrow using your own money as the collateral. You can use the money in your savings or share certificate to secure your loan. Since the credit union is taking very little risk for the loan, the interest rate is lower.  Plus, the money in your account will still earn dividends throughout the life of your loan, so the actual loan ends up costing you less.

NShare Secured Loan Option within Online Bankingow you can get a share secured loan with just a few clicks in your online banking or mobile app!  There’s no credit check or approval needed!  Just click the three dots … next to your savings or certificate and click Share Secured Loan or Certificate Secured Loan and follow the steps to create your loan.  Instead of using all your savings to make a purchase, get a share secured loan to borrow against the money in your account!



Since 2013 we’ve been keeping track of how much money our members have saved by re-financing their loans with us. We’ve hit $3.5 MILLION DOLLARS!!  We want to beat your rate and help you save money on the loans you have financed elsewhere.



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