The Public Service Credit Union All Credit Levels is a cdfi lender from Public Service Credit Union. The ongoing APR is 10.25 % APR. Rewards: Public Service Credit Union offers extensive identity theft protection with its Direct Advantage Plus checking accounts and expert financial advice to its members.. This product reports activity to your personal credit report. Public Service Credit Union is a member-owned financial institution located in Romulus, MI, providing a range of financial services and products to its members. The credit union focuses on delivering competitive rates and exceptional member service, ensuring that each member benefits from the institution's offerings. Services include: personal loans, auto loans, home equity loans, recreational loans. US Treasury certified CDFI Credit Union in Romulus, MI. Membership required.