The Public Service Advantage
Limited-Time 11-Month Share Certificate
4.05% APY | 11-Month Term | $500 Minimum
Your credit union. Your rate. Your advantage.
Why This Certificate Makes Sense Now
At Public Service Credit Union, we exist for one reason: to serve utility workers and their families. No shareholders to please. No Wall Street investors to answer to. Just members like you, earning rates that big banks simply can't match.
Our limited-time 11-month share certificate delivers 4.05% APY—a competitive rate reserved exclusively for our member-owners. Whether you're putting tax refund dollars to work, moving money from a low-earning account at another bank, or building your savings for a specific goal, this certificate helps your money work as hard as you do.
The timeline works in your favor: Open your certificate between now and March 16th, 2026, and your funds mature just in time for holiday season 2026, next year's vacation planning, or whatever goal matters most to you.
Certificate Details
Annual Percentage Yield (APY): 4.05%
Term: 11 months
Minimum Opening Deposit: $500 in new money*
Availability: January 12-March 16, 2026
Early Withdrawal Penalty: 90 Days of Dividends
*New money means funds not currently on deposit with Public Service Credit Union. This includes money from other financial institutions, tax refunds, bonuses, gifts, or any funds new to PSCU.
How Much Could You Earn?
Here's what your new money could grow to in just 11 months:
| Deposit Amount | Interest Earned | Total Value |
|---|---|---|
| $500 | $18.56 | $518.56 |
| $2,500 | $92.81 | $2,592.81 |
| $5,000 | $185.62 | $5,185.62 |
| $10,000 | $371.25 | $10,371.25 |
Calculations based on 4.05% APY for 11-month term for illustrative purposes only. The table above is not a guarantee of your earning potential. Please contact the credit union for a dividend projection.
Perfect For:
✓ Tax refunds – Turn your 2025 refund into even more money
✓ Savings from other banks – Earn significantly more than typical savings accounts
✓ Year-end bonuses – Put that extra income to work
✓ Goal-based savings – Build your holiday fund, vacation savings, or emergency cushion
✓ Inheritance or gifts – Grow new money wisely while you decide on long-term plans
The Credit Union Difference
When you're a member of Public Service Credit Union, you're not just a customer—you're an owner. Since 1935, we've served WEC Energy utility workers and their families right here in Central Wisconsin. Every dollar you deposit stays local, supporting our community and fellow members.
While big banks pay pennies on savings accounts (often less than 0.10% APY), we return our profits to members through competitive rates like this one. That's the credit union advantage. That's your advantage.
Four Easy Ways to Open Your Certificate
Start earning guaranteed returns in minutes
Visit Our Branch
Stop by our Wausau location. Our team is ready to help you open your certificate and answer any questions.
1700 Sherman St
Wausau, WI 54401
Call Us
Speak with a staff member who can open your certificate over the phone in just a few minutes.
715-842-9865
Mon-Fri: 7:30am-3:30pm
Call Now →Send an Email
Email us your interest and a staff member will get back to you promptly to help you open your certificate.
Email Us →Send a Message
Use our online banking or mobile app to send a secure message directly to our team. It's fast, convenient, and secure!
Login to Online Banking →Questions?
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New money is any funds not currently on deposit with Public Service Credit Union. This includes transfers from other banks or credit unions, tax refunds, workplace bonuses, monetary gifts, inheritance, or cash deposits that aren't already in a PSCU account. Exceptions may be made if you have direct deposit coming into your PSCU account consistently.
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Your certificate matures 11 months from your opening date. For example, a certificate opened on February 1, 2026 matures on January 1, 2027.
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You can withdraw your funds, renew into another certificate product, or transfer to another PSCU account. We'll contact you before maturity with your options. If you do not contact the credit union before maturity, then the certificate will automatically renew into a regular 12-month certificate.
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No, this is a fixed-term certificate. The initial deposit amount remains locked for the 11-month term.
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Early withdrawal penalties apply. Contact us to discuss your specific situation.
*Annual Percentage Yield (APY) accurate as of 1/12/2026. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings on account. Offer subject to change without notice. New money requirement applies. Membership eligibility required.