BluPeak Credit Union


Overview / Commentary
858-795-6000
10120 Pacific Heights Blvd Ste 100
San Diego, CA 92121

BluPeak Credit Union is headquartered in San Diego and is the 50th largest credit union in the state of California. It is also the 331st largest credit union in the nation. It was established in 1936 and as of September of 2023, it had grown to 123 employees and 57,021 members at 6 locations. BluPeak Credit Union's money market rates are 12X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in BluPeak Credit Union is open to anyone through a membership in KPBS (PBS member station in San Diego. Those who live, work, or worship in the California counties of California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo also qualify for membership. Also, eligible to join are employees of the State of California; employees, retirees, students, and alumni of the University of California and California State University system; and employees and members of Select Employee Group. Immediate family and household members of a BluPeak Credit Union member are welcome to apply.
See current membership details

Related Posts

Highest Savings Rate In America 5.33% APY Easy Membership - 9/5/2023

In a financial landscape characterized by fluctuating interest rates and uncertainty, BluPeak Credit Union has surged ahead to offer the highest-yielding savings account for new members across America. Their "Preferred Savings" account, featuring an impressive 5.33% interest rate, is setting a new standard in the world of personal finance. For More Information visit BluPeak.com

BluPeak Credit Union Has Nationally Available Rate-Leading 9-Month CD Special - 8/24/2023

BluPeak Credit Union (easy membership requirement) is offering a limited-time, rate-leading 9-month CD Special. $1k minimum opening deposit, with no stated balance cap.

9 Months Certificate 5.75% APY - Easy Membership Also, High IRA Rates - 8/18/2023

BluPeak is now offering Nation Leading rates for 9 Months and 12 Months Certificate, plus exceptional IRA Rates as well. Visit https://www.blupeak.com/ for more information. Certificates - All Tiers Product New Rate New APY 9 Months – 5.60% 5.75% 12 Months - 5.37% 5.50% IRA - All Tiers Product New Rate New APY IRA Money Market 5.03% 5.15% IRA 12 Months Certificate 5.37% 5.50%

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Reviews (8)

Amazing Credit Union

Wonderful credit union with exceptional level of Member Service.

University and State Employees Credit Union

I joined this Credit Union shortly after I graduated from University of California San Diego. They have always treated me with courtesy and respect. My one complaint is that several times over the course of the years, they have send me mailed advertisements. I have emailed, called, written and even gone into the branch. I cannot seem to get them to stop this practice. Like other banks, the transaction time between requesting an online check and the delivery of that check to the payee is so long it is almost unexplainable. The statements are easy to read and customer service is great overall.

Have Been A Credit Union Member For 20+ Years

Posted by: |

Over 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!

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.

Too Long Time To Be Functional

Is this a way banking -- you have to wait for 10 days to link external accounts after you registered online banking, not the day open your account. Then rep even don't know if your account would have Zelle for your app or not. YOu still have to wait and see.

They Badly Lack Decency And Integrity.

Posted by: |

Their associates also maliciously deceive customers and understand only the language of legal actions.

Read The Fine Print

Been a member of this credit union for decades - it is rife with borderline deceptive advertising and has slid to a low point over the last 5 years. Formerly the Univ and State Employees CU, it created such ill will from its main constituency that it has changed it's name to "BluPeak." In the last few months it has started offering higher CD and savings rates, but only to new members and once the limited time deal runs out you are left high and dry, stuck with high fees and bad customer service. Beware!

Worst Bank Ever That Will Put You Through Living Hell!!!

Posted by: |

The absolute worst bank ever!!! They constantly put my money in other people's accounts and deposited less then the amounts that I deposited constantly!! When I complained I got the worst customer service that you have ever seen in your whole entire life. Everyone is extremely rude especially corporate!!! Save yourself the living hell of being at this Bank!!! Run, run as fast as you can to get away from this horrible horrible bank!!!! They will make your life a living hell and ruin you financially while losing your money!!!



Health
B+

Health Grade Components

Overall
NCUA #60801
Year Chartered1936
Employees123
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD2.86%
Annual Interest Income$41MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$1.38B$1.23B
LoansQ3 2023vs Q3 2022$913MM$822.8MM
DepositsQ3 2023vs Q3 2022$1.23B$1.13B
Equity CapitalQ3 2023vs Q3 2022$74.9MM$74MM
Loan Loss AllowanceQ3 2023vs Q3 2022$5.8MM$4.6MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$1.7MM$398K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not BluPeak Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

BluPeak Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%--Holiday Saving Account
0.05%--Regular Saving Account
0.05%--Advantage Saving Account
0.05%--Youth Savings
0.05%--IRA Saving Account

BluPeak Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.33%$2.5k-Max Money Market Account
0.15%*$50k*-Money Market Advantage Account
OTHER TIERS: 0.05% $2.5k - $25k | 0.10% $25k - $50k

BluPeak Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Premier Checking

BluPeak Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$1k-9 Month CD Special
5.10%$1k-12 Month CD Special
4.75%$1k-6 Month CD Special
4.25%$1k-3 Month CD Special
3.25%*$2.5k*-24 - 35 Month CD
OTHER TIERS: 2.25% $1k - $2.5k
3.00%*$2.5k*-12 - 23 Month CD
OTHER TIERS: 1.30% $1k - $2.5k
2.45%*$2.5k*-36 - 59 Month CD
OTHER TIERS: 2.30% $1k - $2.5k
2.45%$1k-60 - 120 Month CD
1.00%$1k-6 - 11 Month CD
0.75%$10k$100k36 Month Option Rate CD
0.50%$10k$100k24 Month Option Rate CD
0.40%$250-12-Month Add-On CD
0.25%$1k-3 - 5 Month CD
0.15%$10k$100k13 Month Option Rate CD

BluPeak Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.50%$1k-12 Month IRA
0.95%$1k-60 - 120 Month IRA
0.75%$1k-24 Month IRA
0.50%$1k-18 Month IRA
Locations


BluPeak Credit Union Locations
Branch Office9375 Russell Lane Suite 120La Jolla, CA 92093-0001
Branch Office200 B StDavis, CA 95616
Branch Office2350 Shattuck AveBerkeley, CA 94704
Branch Office8216 Parkway DrLa Mesa, CA 91942
Branch Office1652 Camino Del Rio NSan Diego, CA 92108
Corporate Office10120 Pacific Heights Blvd Ste 100San Diego, CA 92121-4205

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