allU.S. Credit Union

Overview / Commentary
1410 N Main St.
Salinas, CA 93906

allU.S. Credit Union is headquartered in Salinas and is the 205th largest credit union in the state of California. It is also the 2,464th largest credit union in the nation. It was established in 1950 and as of December of 2019, it had grown to 8 employees and 4,214 members at 1 location. allU.S. Credit Union has a B+ health rating.

Field of Membership Restrictions

All US credit union is open to Monterey County employees, former members of Columbian Federal CU, and employees of select SEG's, as well as their family members.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. allU.S. Credit Union has a low asset base.

Health Grade Components

NCUA #65113
Year Chartered1950
Primary Regulator
Profit Margin
Return on Assets - YTD0.46%
Return on Equity - YTD3.07%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$44.0MM$41.2MM
LoansQ4 2019vs Q4 2018$21.5MM$17.8MM
DepositsQ4 2019vs Q4 2018$36.9MM$34.7MM
Equity CapitalQ4 2019vs Q4 2018$6.7MM$6.1MM
Loan Loss AllowanceQ4 2019vs Q4 2018$171.00K$100.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$146.00K$81.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

allU.S. Credit Union Savings Account Rates

0.50%*-$10kKasasa Saver
OTHER TIERS: 0.25% $10k+
0.05%$5k-Basic Shares Account
0.05%*$1k*-Christmas Club Account
OTHER TIERS: 0.01% $25 - $1k
0.05%--Youth Savings

allU.S. Credit Union Money Market Rates

0.25%*$100k*-Money Market
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $50k | 0.20% $50k - $100k

allU.S. Credit Union Checking Account Rates

1.51%*-$10kKasasa Cash Checking
OTHER TIERS: 0.25% $10k+
0.02%*$5k*-Checking Accounts
OTHER TIERS: 0.00% $2.5k - $5k

allU.S. Credit Union CD Rates

1.00%*$100k*-20 Month Special CD
OTHER TIERS: 0.55% $1k - $50k | 0.75% $50k - $100k
0.35%$1k-14 Month Special CD
0.30%$1k-24 + Month CD
0.25%$1k-12-23 Month CD
0.10%$1k-3-5 Month CD

allU.S. Credit Union IRA Rates

1.00%*$100k*-20 Month Special IRA
OTHER TIERS: 0.55% $1k - $50k | 0.75% $50k - $100k
0.35%$1k-14 Month Special IRA
0.30%$1k-24 + Month IRA
0.25%$1k-12-23 Month IRA
0.10%$1k-3-5 Month IRA

allU.S. Credit Union Locations
Branch Office1410 N Main StSalinas, CA 93906

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