Public Service Credit Union
Public Service Credit Union is a federally chartered, member-owned credit union founded in 1935 in Wausau, Wisconsin, serving utility workers and Central Wisconsin residents with deposit products, consumer loans, credit cards, and digital banking via a single branch and mobile app.
- Company typePrivate
- Founded1935
- HeadquartersWausau, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Public Service Credit Union does
Public Service Credit Union (PSCU) is a federally chartered, member-owned not-for-profit credit union headquartered in Wausau, Wisconsin, founded in 1935 to serve utility workers and their families. The institution operates a single physical branch at 1700 Sherman St with weekday-only hours, supported by a hybrid digital platform consisting of a web-based online banking portal (web.publicservicecu.org) and native mobile applications distributed via Apple App Store and Google Play. Its stated service area is Central Wisconsin, with a field of membership rooted in utility workers and extended to the surrounding residential community.
The credit union offers a full retail product set spanning deposits (regular savings, Club Savings, Powerhouse Money Market with tiered rates up to 2.40% APY, share certificates up to 4.15% APY, and the recent Surge Checking account with up to 10% APY on balances up to $1,000) and consumer credit (Consumer Zero+ credit card with 0% intro APR for 24 billing cycles, mortgages at 5.50% 5-year fixed, auto loans from 4.99% APR, RV and recreational vehicle financing, student loans, Kwik Cash line of credit, and the Holiday Helper Loan). Adjacent services include financial counseling, direct deposit, wire transfers, and check reordering through partner Bank-a-Count.
The business model follows standard credit union economics: net interest income on the spread between loan yields and deposit rates is the primary revenue stream, supplemented by transaction and service fees and credit-card interchange income. As a cooperative, surplus is returned to members rather than shareholders via more aggressive deposit pricing and lower loan rates. Member acquisition is direct-to-consumer through the branch, digital channels, blog content, and a Facebook presence, supported by partnerships with Allied Payment (loan-payment portal) and Omnicommander (analytics and digital banking infrastructure). All deposits are federally insured by the NCUA.
Public Service Credit Union firmographics
Firmographics- Name
- Public Service Credit Union
- Legal name
- Public Service Credit Union
- Website
- https://pscu-wausau.com
- Company type
- Private
- Founded year
- 1935
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Public Service Credit Union is a federally chartered, member-owned credit union founded in 1935 in Wausau, Wisconsin, serving utility workers and Central Wisconsin residents with deposit products, consumer loans, credit cards, and digital banking via a single branch and mobile app.
- Ownership category
- akta.pro rank
Public Service Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (522130), Credit Unions (52213), Depository Credit Intermediation (5221)
- akta.pro primary industry
- Employer/Occupational Credit Unions (FSABAEAB)
- akta.pro secondary industries
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Public Service Credit Union is headquartered
LocationHeadquarters
- HQ city
- Wausau
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Public Service Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Net Interest Income: Credit unions generate primary revenue through the spread between interest earned on loans (auto loans, mortgages, credit cards, personal loans) and interest paid on deposits (checking, savings, money market, share certificates). This is the core revenue model for PSCU.
- Fee Income: Various account fees including potential service charges, ATM fees, wire transfer fees, and other banking service fees contribute to revenue.
- Credit Card Operations: Revenue from credit card interchange fees and interest charges on outstanding card balances, including promotional 0% intro APR offers and standard 17-28% variable APR thereafter.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Surge Checking: 10.00% APY on balances up to $1,000 |
| Subscription | Multi-year contract | Share Certificate: 4.15% APY (13 month term) |
| Subscription | Monthly | Powerhouse Money Market: 2.40% APY for $100,000 or more |
| Other | Monthly | Auto Loans: 4.99% APR as low as (24 & 36 month terms) |
| Other | Monthly | Mortgage: 5.50% 5-Year Fixed |
| Other | Monthly | Credit Card (Zero+): 0% Introductory APR |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Public Service Credit Union product offering
Product offeringCore offering
Public Service Credit Union is a member-owned, not-for-profit financial cooperative providing consumer banking products including checking accounts (Surge Checking with up to 10% APY), savings and money market accounts, share certificates, credit cards, mortgages, auto loans, recreational vehicle loans, personal lines of credit, student loans, and financial counseling services. Membership eligibility is anchored to utility workers and Central Wisconsin residents.
Product overview
Public Service Credit Union offers a comprehensive suite of financial products and services through its digital banking platform. The core portfolio includes checking (Surge Checking with up to 10% APY), savings accounts (regular savings, Club Savings, and Powerhouse Money Market with tiered rates), share certificates (including limited-time high-yield options up to 4.15% APY), and consumer credit products (Zero+ Credit Card with 0% introductory APR, mortgages at 5.50% 5-year fixed, auto loans as low as 4.99% APR, and personal loans including Holiday Helper and Kwik Cash Line of Credit). Additional services include financial counseling, direct deposit, wire transfers, and online/mobile banking access. All products are federally insured by NCUA and backed by 90 years of credit union service, primarily serving utility workers and families in central Wisconsin.
Differentiator
Problem solved
Functional benefit
Products and services
- Surge Checking
- Savings Account
Quantifiable outcome
- 10% APY on Surge Checking (up to $1,000 balance)
- +2 more outcomes
Companies that use Public Service Credit Union
Customer profileSegments2 records
Ideal customer profiles2 records
Public Service Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Public Service Credit Union partnerships and signals
Strategic signalScale indicators3 records
Recent moves6 records
Expansion highlights5 records
Public Service Credit Union competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Public Service Credit Union social profiles
Digital presencePublic Service Credit Union compliance and trust
Trust signalCompliance2 records
Public Service Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Public Service Credit Union leadership team
Management profileNumber of profiles
Public Service Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Public Service Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Public Service Credit Union
What does Public Service Credit Union do?
Public Service Credit Union is a member-owned, not-for-profit financial cooperative providing consumer banking products including checking accounts (Surge Checking with up to 10% APY), savings and money market accounts, share certificates, credit cards, mortgages, auto loans, recreational vehicle loans, personal lines of credit, student loans, and financial counseling services. Membership eligibility is anchored to utility workers and Central Wisconsin residents.
Is Public Service Credit Union a public or private company?
Public Service Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Public Service Credit Union founded?
Public Service Credit Union was founded in 1935. It employs 51 to 100 people.
Where is Public Service Credit Union based?
Public Service Credit Union is headquartered in Wausau, United States, in the North America region.
How does Public Service Credit Union make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are fee Income and credit Card Operations.
Does Public Service Credit Union have an API?
No public API is recorded for Public Service Credit Union.
What industry is Public Service Credit Union in?
Public Service Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAB, Employer/Occupational Credit Unions, with a secondary code of FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 522130.