A survey of the main civil servants union PCS, found members were not satisfied with the level of debate so far.
Members of PCS union, with thousands employed in Scottish Government departments, said protection of public services and pension was the key issue that would determine their referendum vote next September.
The union's leaders said it would put the question of whether to back a Yes or No vote to its members at its Scottish conference in January.
However, the union would not be joining either the Yes on No campaigns.
The survey found 60% said pensions was an "influencing factor" in how they would vote.
Pay was listed by 56%, job security by 55% and career opportunities by 47%.
More than 65% said adequate funding for public services was a factor, and accountability of public service delivery was a factor for more than 60%.
Members called for more information about what is likely to follow the referendum result, regardless of the outcome.
The survey carried out by an academic from Cardiff University found: "A common complaint from respondents on all sides affirms the union's concerns that the general quality of the debate is poor, and in particular there is insufficient information and hard facts on which to base a decision."
Lynn Henderson, PCS Scottish Secretary, said: "Our members' views are in line with that of the leadership, that not enough information is available. Parties need to turn down the volume on the cat calling."
The union, which has around 30,000 Scottish members, has a list of demands it wants support for, which it said it will continue to campaign for throughout the referendum whether it eventually takes a position or remains neutral.
John McInally, PCS national vice president, revealed the list, which included:
lAn end to the austerity measures and increased investment in the public sector.
lPublic ownership of major utilities.
lFair pensions for all.
Mr McInally, said: "I don't see PCS putting all its eggs in one basket."
Ms Henderson said any decision taken at the conference would be on how the union should campaign.
She said : "It's not about getting behind Yes Scotland or Better Together, they exist on that one single question of independence or not.
"We would never unconditionally align behind one campaign. We will be campaigning on those issues outlined."