Pacific Service Credit Union is headquartered in Concord and is the 46th largest credit union in the state of California. It is also the 323rd largest credit union in the nation. It was established in 1936 and as of September of 2022, it had grown to 147 employees and 66,535 members at 6 locations. Pacific Service Credit Union has an A health rating.
Field of Membership Restrictions
Membership in Pacific Service Credit Union is open to the following: (1) those who live, work, attend school, or worship in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano or Sonoma Counties in California; (2) employees and retirees of PG&E Corporation; (3) employees of Performant Financial Corporation, City of San Ramon, and over 50 area Select Employer Groups.
See current membership details
Related Posts
3/20 - Balance Transfer Day: Earn Up To $100 On April 1, 2015, And That's No Joke!
3/13 - March 17, 2015: A Bit 'O Luck With A $25 Incentive Bonus On New Minor's Account
3/6/08 - 7.00% 6-Month CD at a CA Credit Union - $5K Max (Pacific Service)
5/1/07 - 5.55% 11-Month CD at a California CU Continues (Pacific Service)
3/3/07 - 5.55% 11-Month CD at a California CU (Pacific Service)
1/6/07 - 7% 6-Month CD at a CA Credit Union - $5K Max (Pacific Service) - Update
8/14/06 - 7% 6-Month CD at a CA Credit Union - $5K Max (Pacific Service)
5/30/06 - 7% 6-Month CD at a California CU ($5K Max)
5/13/06 - 6% 6-Month CD at a California CU ($5K Max)
Excellent customer service
I have been a customer of Pacific Service Credit Union for around 3 years now and have always been pleased with the staff and the customer service I received.
Recently, I started using their mobile and online banking service and had a few hiccups on the way. I called up the customer service quite a few times and they were always very patient and helpful. Love the service I receive here. I won't be taking my business anywhere else.
Best For Checking Accounts
This credit union is oriented toward Pacific Gas & Electric employees, though anyone in the San Francisco Bay Area and the Fresno area can join as well. It's probably best suited for transactional accounts, in other words checking accounts. In large measure, this credit union offers a traditional banking experience.
Advantages: If you can do direct deposit, the "relationship" package has a lot of nice features: free checks, up to $15 per month ATM fee rebates, three free cashier's checks per month, free notary, and so on. Customer service is friendly and effective. All types of checking accounts have free bill pay available. Free ATM network includes Bank of the West ATMs.
Drawbacks: For savings accounts, interest rates are not much higher than those of the big banks. You can do much better with online banks or even a few other credit unions. The "free checking" package doesn't offer most of the perks that I mentioned above. ACH transactions seem to be very slow, sometimes taking up to four days.
Other: There's a mobile application. I haven't had much experience with it.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 68413 |
| Year Chartered | 1936 |
| Employees | 147 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.68% |
| Return on Equity - YTD | 6.34% |
| Annual Interest Income | $30.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2022vs Q3 2021 | $1.38B$1.39B |
| Loans | Q3 2022vs Q3 2021 | $968.9MM$848.8MM |
| Deposits | Q3 2022vs Q3 2021 | $1.20B$1.19B |
| Equity Capital | Q3 2022vs Q3 2021 | $148.2MM$180.9MM |
| Loan Loss Allowance | Q3 2022vs Q3 2021 | $2.7MM$1.9MM |
| Unbacked Noncurrent Loans | Q3 2022vs Q3 2021 | $874.00K$100.00K |
| Real Estate Owned | Q3 2022vs Q3 2021 | $0$0 |