Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
1278 Rocky Point Dr
Oceanside, CA 92056

Pacific Marine Credit Union is headquartered in Oceanside and is the 56th largest credit union in the state of California. It is also the 318st largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 243 employees and 77,330 members. Pacific Marine Credit Union's CD rates are 3X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Live, work or worship in either San Diego, Riverside or San Bernardino Counties. Are an immediate family member of a current PMCU member. - See Details

Related Posts

Reviews (1)

Guantanamo Bay Banking


San Marcos, CA

  8/14/2010 As of 2009, Gitmo Bay banking run by military jarheads who have issues with civilians.  Enter, wait at least 15 min. even if 5 staff are not helping any other person.  Must remove  all headgear. Must remove sunglasses, you terrorist suspects. Present preprinted deposit slip supplicating to make deposit. Repeat name. Repeat address. Repeat telephone number, all verbally to teller. This "proves" your identity, or that identity thieves can READ.  These are on the bank's own slip already yet. Say that you have not changed your address, verbally, from that of the slip. Ditto.  Provide password. ONLY THEN  can you  potential terrorists/thieves present cash or checks as inbound tickets. Every other bank in America, anyone can DEPOSIT to anyone's account, of themselves or others, by giving  pre-existing account # and name--nothing is leaving the institution, after all. It does not take half an hour and interrogation. I shudder to think about  attempting a withdrawal, an armed marine would probably have to supervise  your every step.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pacific Marine Credit Union had $1.19 million in non-current loans and owned real-estate with $99.89 million in equity and loan loss allowances on hand to cover it. This gives Pacific Marine Credit Union a Texas Ratio of 1.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pacific Marine Credit Union experienced no significant changes from 1.32% as of March 31, 2013 to 1.19% as of March 31, 2014, resulting in a positive change of 9.56%.This indicates that the balance sheet and financial strength for Pacific Marine Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Pacific Marine Credit Union has increased its total deposits by $6.84 million, resulting in 1.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pacific Marine Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pacific Marine Credit Union has $707.93 million in assets with $99.89 million in equity, resulting in a capitalization level of 14.11%, which is excellent.

Institution Statistics

NCUA #68494
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$707.93 million
Loans$382.44 million
Deposits$601.08 million
Equity Capital$96.43 million
Loan Loss Allowance$3.47 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$0
Historic Data - March 2013
Assets$703.83 million
Equity Capital$91.93 million
Loan Loss Allowance$4.70 million
Unbacked Noncurrent Loans$1.19 million
Real Estate Owned$76,000
Profit Margin - Quarterly
Return on Assets0.49%
Return on Equity3.6%
Interest Income$4.54 million

Always verify rates and promotions with the bank or credit union. We are not Pacific Marine Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pacific Marine Credit Union Savings Account Rates

0.15%--Share Savings Account
0.15%$50-Individual Retirement Account
0.15%$50-Roth IRAs

Pacific Marine Credit Union Money Market Rates

0.30%$50k-Money Market
0.30%$50k-Money Market IRAs

Pacific Marine Credit Union Checking Account Rates

0.20%--Dividend Plus
0.01%--Business Dividend

Pacific Marine Credit Union CD Rates

3.00%$100-1 Year Military Saver Certificates
1.55%$1k-5 Year Share Certificates
1.30%$100-3 Year Military Saver Certificates
1.15%$1k-4 Year Share Certificates
1.05%$1k-3 Year Saver Certificate
0.95%$1k-3 Year Share Certificates
0.95%$100-2 Year Military Saver Certificates
0.70%$1k-2 Year Saver Certificate
0.65%$100-6 Month Military Saver Certificates
0.60%$1k-2 Year Share Certificates
0.45%$1k-1 Year Saver Certificate
0.40%$1k-6 Month Saver Certificates
0.35%$1k-1 Year Share Certificates
0.30%$1k-6 Month Share Certificates

Pacific Marine Credit Union IRA Rates

1.55%$1k-5 Year IRA Share Certificate
1.15%$1k-4 Year IRA Share Certificate
0.95%$1k-3 Year IRA Share Certificate
0.60%$1k-2 Year IRA Share Certificate
0.35%$1k-1 Year IRA Share Certificate
0.30%$1k-6 Month IRA Share Certificates

Pacific Marine Credit Union has 13 locations. Click to view all Pacific Marine Credit Union locations.