Average User Rating:4 star rating based on 2 reviews.
University & State Employees Credit Union
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10120 Pacific Heights Blvd ste 100 San Diego, CA 92121 (858) 795-6000 www.usecu.org  |
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University & State Employees Credit Union is headquartered in San Diego and is the 46th largest credit union in the state of California. It is also the 282nd largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 133 employees and 45,008 members. University & State Employees Credit Union has a 5-star health rating.
See Rates for: Checking | Savings | Money Market | CD | IRA
University & State Employees Credit Union Checking Account Rates
University & State Employees Credit Union Savings Account Rates
University & State Employees Credit Union Money Market Rates
| Apy | Min | Max | Product | |
| 0.25% | $250k | - | Money Market Advantage Account | |
| 0.25% | $250k | - | Membership Money Market Account | |
| 0.15% | $100k | - | Market Rate Plus Account | |
| 0.15% | $100k | - | IRA Market Rate Plus Account | |
| 0.15% | $100k | - | Roth IRA Market Rate Plus Account | |
| 0.15% | $100k | - | CESA Market Rate Plus Account | |
| 0.15% | $100k | - | SEP IRA Market Rate Plus Account |
University & State Employees Credit Union CD Rates
| Apy | Min | Max | Product | |
| 1.60% | $10k | - | 60 Months through 120 Months CD | |
| 0.95% | $10k | - | 36 Months through 59 Months CD | |
| 0.90% | $50k | $100k | 36 Month Option Rate Term Investment Account | |
| 0.65% | $10k | - | 24 Months through 35 Months CD | |
| 0.60% | $50k | $100k | 24 Month Option Rate Term Investment Account | |
| 0.40% | - | - | 12-Month Add-On Term Investment Account | |
| 0.40% | $10k | - | 12 Months through 23 Months CD | |
| 0.30% | $50k | $100k | 13 Month Option Rate Term Investment Account | |
| 0.25% | $10k | - | 6 Months through 11 Months CD | |
| 0.20% | $10k | - | 3 Months through 5 Months CD |
University & State Employees Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.70% | - | - | 60 - 120 Months IRA | |
| 1.70% | - | - | 60 - 120 Months Roth IRA | |
| 1.70% | - | - | 60 - 120 Months CESA | |
| 1.70% | - | - | 60 - 120 Months SEP IRA | |
| 0.65% | - | - | 24 Month IRA | |
| 0.65% | - | - | 24 Month Roth IRA | |
| 0.65% | - | - | 24 Month CESA | |
| 0.65% | - | - | 24 Month SEP IRA | |
| 0.45% | - | - | 18 Month IRA | |
| 0.45% | - | - | 18 Month Roth IRA | |
| 0.45% | - | - | 18 Month CESA | |
| 0.45% | - | - | 18 Month SEP IRA | |
| 0.40% | - | - | 12 Month IRA | |
| 0.40% | - | - | 12 Month Roth IRA | |
| 0.40% | - | - | 12 Month CESA | |
| 0.40% | - | - | 12 Month SEP IRA |
Rates updated: 6/17/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Have Been A Credit Union Member For 20+ Years
- Anonymous - Wednesday, January 5, 2011 - 5:25 PMOver the course of my 20+ years with the credit union, I have had two 2nd mortgages, personal loans, Visa debit cards, family bank accounts, savings accounts, etc. So I can speak with authority that their products and customer service are superlative. I rarely go into a branch office - but can transact business via phone, mail, internet and the many ATMS (Star) scattered around town. I love the convenience of internet banking, you can do bank reconciliations and transfers very quickly. I love the fact that I always get a live person on the phone who actually resolves my issues right then and there.
Highly recommended!
1
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USE Credit Union
USE CU has convenient full-service and ATM locations onsite at University of California campuses and other major employers that USE serves. I don’t use the full-service location often, but it is nice to have nearby. A big plus is the free (for just 15 minutes) parking next to the branch on the University of California, San Diego campus. Free parking just doesn’t exist on a UC campus!
I’m satisfied overall, but can only rate this CU average, because of my dissatisfaction with the online banking experience and the ATM experience. Unfortunately, the web site and the ATMs are what I use most often to conduct business with USE CU.
The ATMs are my biggest source of dissatisfaction, for the following reasons:
--Users have to select a language every time I access the ATM, even though the language preference of a customer is very unlikely to change over time
--The ATM allows only 1 transaction at a time. After completing any transaction (even an on-screen account balance), you have to end your session, reinsert your ATM card, and log in again. Aside from the tremendous nuisance (a typical stop might include viewing a balance, depositing a check, transferring funds from savings to checking, and withdrawing cash) involved, I believe that the need to enter a PIN multiple times greatly increases the risk that someone watching can learn my PIN.
The online banking is just so-so. Navigation involves too many steps in many cases. Also, there is often some service or another that the CU seems to be pressing on its customers.