Public Service #3 Credit Union

Headquarters

4025 W Jefferson Blvd
Fort Wayne, IN 46804
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Notable Rates	APY	Vs.Others
Savings	N.A.	4.75% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.25% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Public Service #3 is an NCUA insured institution located in Fort Wayne, IN. It was founded in 1932 and has approximately $80.11 millions in assets.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 64275
Date Established	1932
Assets	$80.11 million
Loans	$47.86 million
Deposits	$70.37 million
Capital	$9.33 million

Deposit Rates - January 18, 2025

Your Current Location: Washington, WA 98109

Checking Rates	APY	MIN	FEE
Smart Checking	2.00%	$0	$0.00	Learn MoreShow Less

Advertiser Disclosure

Loan Rates - January 18, 2025

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Public Service #3

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1835285	6.620%	6.500%	0.75	$4,000	$2,023	Learn More
NMLS ID: 118653 License#: CL-118653	6.720%	6.624%	1.00	$3,187	$2,049	Learn More
NMLS ID: 757416	6.721%	6.625%	1.00	$3,184	$2,049	Learn More
NMLS ID: 6606	6.968%	6.875%	1.00	$3,027	$2,103	Learn More

See More Mortgage Rates →

Featured - Washington Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Rate See Table	Intro APR 9.600 % After Intro: 9.600 %	$25,000	Learn More More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed.

See More Home Equity Rates →

Note to Public Service #3
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Branches

Below are Public Service #3 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington

Public Service #3 Locations around zip code 98109

Branch	Distance	Map	View Lobby Hours
Jefferson Branch	2020.56	A	View Lobby Hours
Old Trail Branch	2022.51	B	View Lobby Hours
Hobson Branch	2024.82	C	View Lobby Hours
HUNTINGTON COUNTY FEDERAL CREDIT UNION	2211.94	D	View Lobby Hours

View Branches Nationwide →

Climate Policy and Initiatives

PUBLIC SERVICE #3 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Public Service #3 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Public Service #3. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Public Service #3	U.S. Average
2.37%	5.69

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2024, Public Service #3 had $223,922 in non-current loans and $0 in owned assets. To cover these potential losses it had $9,331,303 in net worth and $107,620 in loans loss reserves. That gives it a Texas Ratio of 2.37%.

Net Worth

Public Service #3	U.S. Average
11.64%	14.16%

Public Service #3 FCU has a net worth of 11.64% versus the BestCashCow average of 14.16. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Public Service #3

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