Pacific Service Credit Union

3000 Clayton Rd
Concord, CA 94519
888.858.6878
www.pacificservice.org

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Pacific Service Credit Union is headquartered in Concord and is the 30^th largest credit union in the state of California. It is also the 180^th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 93 employees and 58,481 members. Pacific Service Credit Union has a 5-star health rating.

Pacific Service Credit Union Routing Number: 121181743

3.50% 6-Mo CD ($1,500 Max) In Northern California (Forum) - 6/28/2010

Pacific Service Credit Union is offering a 3.50% APY 6-month certificate for new members. Maximum deposit is $1,500 per member. This used to be a much better deal back in 2007 when the maximum deposit was $5K. Now it's only $1,500. So you'll only make ab

4.00% 30-Month CD at a California CU - Add-On (Pacific Service). - 2/25/2008

Update 3/8/08: The CD rate has fallen again. Please check the credit union's website for the latest rates.Update 3/1/08: The CD rate has fallen. The 30-month Add-On CD yield has fallen from 4.25% to 4.00% APY. The title has been modified to reflect this...

7.00% 6-Month CD at a CA Credit Union - $5K Max (Pacific Service) - 8/16/2007

Update 3/6/08: The maximum deposit has been lowered from $5,000 to $1,500 on this new-member CD special.Pacific Service Credit Union continues to offer a 7.00% APY 6-month certificate for new members. The maximum deposit is $5,000. The minimum is $1,000...

5.55% 11-Month CD at a California CU Continues (Pacific Service) - 5/1/2007

Pacific Service Credit Union continues to offer the Triple-5 certificate with a yield of 5.55% APY, and a term of 11 months. The minimum deposit is $1,000, and it requires money new to the credit union. It's available as a regular or IRA certificate. My...

2007

3/3 - 5.55% 11-Month CD at a California CU (Pacific Service)

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See Rates for: Checking | Savings | Money Market | CD | IRA

Pacific Service Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$75k	-	Plu$ Checking

Pacific Service Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$50k	-	Savings Account
0.10%	$50k	-	IRA Savings
0.10%	$50k	-	Roth Savings
0.10%	$50k	-	Education Savings Accounts (ESA)

Pacific Service Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$75k	-	Money Market Account
0.20%	$75k	-	IRA Money Market
0.20%	$75k	-	Roth Money Market
0.20%	$75k	-	Education Savings Account (ESA) Money Market

Pacific Service Credit Union CD Rates

Apy	Min	Max	Product
1.10%	$100k	-	5-Year CD
1.10%	$100k	-	5-Year Youth CD
0.75%	$100k	-	4-Year CD
0.75%	$100k	-	4-Year Youth CD
0.65%	$100k	-	3-Year CD
0.65%	$100k	-	3-Year Youth CD
0.50%	$100k	-	30-Month Add-on CD
0.50%	$100k	-	30-Month Add-on Youth CD
0.45%	$100k	-	2-Year CD
0.45%	$100k	-	2-Year Youth CD
0.35%	$100k	-	1-Year CD
0.35%	$100k	-	18-Month Bump-up CD
0.35%	$100k	-	1-Year Youth CD
0.35%	$100k	-	18-Month Bump-up Youth CD
0.25%	$100k	-	6-Month CD
0.25%	$100k	-	6-Month Youth CD

Pacific Service Credit Union IRA Rates

Apy	Min	Max	Product
1.10%	$100k	-	5-Year IRA
1.10%	$100k	-	5-Year ESA
1.10%	$100k	-	5-Year Roth IRA
0.75%	$100k	-	4-Year IRA
0.75%	$100k	-	4-Year ESA
0.75%	$100k	-	4-Year Roth IRA
0.65%	$100k	-	3-Year IRA
0.65%	$100k	-	3-Year ESA
0.65%	$100k	-	3-Year Roth IRA
0.50%	$100k	-	30-Month Add-on IRA
0.50%	$100k	-	30-Month Add-on ESA
0.50%	$100k	-	30-Month Add-on Roth IRA
0.45%	$100k	-	2-Year IRA
0.45%	$100k	-	2-Year ESA
0.45%	$100k	-	2-Year Roth IRA
0.35%	$100k	-	1-Year IRA
0.35%	$100k	-	18-Month Bump-up IRA
0.35%	$100k	-	1-Year ESA
0.35%	$100k	-	18-Month Bump-up ESA
0.35%	$100k	-	1-Year Roth IRA
0.35%	$100k	-	18-Month Bump-up Roth IRA
0.25%	$100k	-	6-Month IRA
0.25%	$100k	-	6-Month ESA
0.25%	$100k	-	6-Month Roth IRA

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

PACIFIC SERVICE
NCUA #	68413
BankRate Report	View
Year Chartered	1936
Employees	93
Primary Regulator
Assets and Liabilities
Assets	$1.07 billion
Loans	$365.40 million
Deposits	$924.11 million
Equity Capital	$136.39 million
Loan Loss Allowance	$5.16 million
Unbacked Noncurrent Loans	$1.23 million
Real Estate Owned	$111,000
Historic Data - December 2011
Assets	$1.06 billion
Equity Capital	$134.88 million
Loan Loss Allowance	$7.66 million
Unbacked Noncurrent Loans	$5.31 million
Real Estate Owned	$319,000
Profit Margin - Quarterly
Net Interest Margin	5.26%
Return on Assets	0.15%
Return on Equity	1.18%
Interest Income	$24.65 million
Non-Interest Income	$4.82 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Pacific Service Credit Union had $1.34 million in non-current loans and owned real-estate with $141.56 million in equity and loan loss allowances on hand to cover it. This gives Pacific Service Credit Union a Texas Ratio of 0.95% 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 Service Credit Union decreased significantly from 3.95% as of December 31, 2011 to 0.95% as of December 31, 2012, resulting in a positive change of 75.92%.This indicates that the balance sheet and financial strength for Pacific Service Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Pacific Service Credit Union has increased its total deposits by $8.89 million, resulting in 0.97% 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 Service Credit Union has shown is average.
Capitalization
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 Service Credit Union has $1.07 billion in assets with $141.56 million in equity, resulting in a capitalization level of 13.19%, which is excellent.