The Public Service Credit Union is a auto loan from Public Service Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is APR as low as 4.74% (up to 60 months), 4.99% (61-72 months), 5.99% (73-84 months), 6.49% (85-96 months) for new/used vehicles; rates effective September 17, 2026. Loan terms: Terms up to 84 months.