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Pacific Service Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.60%5-year CD5 Year CD
2.50% - Ally Bank High Yield 5 Year CDAdvertisement
1.00%1-year CD1 Year CD
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.10%SavingsSavings Account
1.30% - Nationwide Bank Online Savings Account
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Overview / Commentary
www.pacificservice.org
888-858-6878
3000 Clayton Rd
Concord, CA 94519

Pacific Service Credit Union is headquartered in Concord and is the 41st largest credit union in the state of California. It is also the 249th largest credit union in the nation. It was established in 1936 and as of December of 2017, it had grown to 120 employees and 60,261 members at 6 locations. Pacific Service Credit Union's CD rates are 11% higher than the national average, and it boasts 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

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Reviews (2)

Excellent customer service

Posted by: DanFrankin | Jan 12, 2017

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.

1

Best For Checking Accounts

Posted by: norcal | Jul 3, 2017

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.

1


Health
A+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
NCUA #68413
Year Chartered1936
Employees120
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD3.61%
Annual Interest Income$30.5MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.16B$1.15B
LoansQ4 2017vs Q4 2016$612.1MM$529.7MM
DepositsQ4 2017vs Q4 2016$993.3MM$979.0MM
Equity CapitalQ4 2017vs Q4 2016$154.7MM$152.5MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.8MM$1.3MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$911.00K$671.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pacific Service Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$50k*-Savings Account
OTHER TIERS: 0.05% → $100 - $50k
0.10%*$50k*-IRA Savings
OTHER TIERS: 0.05% → $100 - $50k

Pacific Service Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$75k*-Money Market Account
OTHER TIERS: 0.15% → $2,500 - $25k | 0.20% → $25k - $75k
0.25%*$75k*-IRA Money Market
OTHER TIERS: 0.15% → $2,500 - $25k | 0.20% → $25k - $75k

Pacific Service Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$75k*-Plu$ Checking
OTHER TIERS: 0.05% → $7,500 - $75k

Pacific Service Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$100k*-5 Year CD
OTHER TIERS: 1.50% → $1k - $50k | 1.55% → $50k - $100k
1.60%*$100k*-5 Year Youth CD
OTHER TIERS: 1.50% → $100 - $50k | 1.55% → $50k - $100k
1.50%*$100k*-4 Year CD
OTHER TIERS: 1.40% → $1k - $50k | 1.45% → $50k - $100k
1.50%*$100k*-4 Year Youth CD
OTHER TIERS: 1.40% → $100 - $50k | 1.45% → $50k - $100k
1.40%*$100k*-3 Year CD
OTHER TIERS: 1.30% → $1k - $50k | 1.35% → $50k - $100k
1.40%*$100k*-3 Year Youth CD
OTHER TIERS: 1.30% → $100 - $50k | 1.35% → $50k - $100k
1.20%*$100k*-2 Year CD
OTHER TIERS: 1.10% → $1k - $50k | 1.15% → $50k - $100k
1.20%*$100k*-30 Month Add-on CD
OTHER TIERS: 1.10% → $1k - $50k | 1.15% → $50k - $100k
1.20%*$100k*-2 Year Youth CD
OTHER TIERS: 1.10% → $100 - $50k | 1.15% → $50k - $100k
1.20%*$100k*-30 Month Add-on Youth CD
OTHER TIERS: 1.10% → $100 - $50k | 1.15% → $50k - $100k
1.00%*$100k*-1 Year CD
OTHER TIERS: 0.90% → $1k - $50k | 0.95% → $50k - $100k
1.00%*$100k*-18 Month Bump-up CD
OTHER TIERS: 0.90% → $1k - $50k | 0.95% → $50k - $100k
1.00%*$100k*-1 Year Youth CD
OTHER TIERS: 0.90% → $100 - $50k | 0.95% → $50k - $100k
1.00%*$100k*-18 Month Bump-up Youth CD
OTHER TIERS: 0.90% → $100 - $50k | 0.95% → $50k - $100k
0.55%*$100k*-6 Month Certificate
OTHER TIERS: 0.45% → $1k - $50k | 0.50% → $50k - $100k
0.55%*$100k*-6 Month Youth CD
OTHER TIERS: 0.45% → $100 - $50k | 0.50% → $50k - $100k
0.35%*$100k*-3 Month CD
OTHER TIERS: 0.25% → $1k - $50k | 0.30% → $50k - $100k
0.35%*$100k*-3 Month Youth CD
OTHER TIERS: 0.25% → $1k - $50k | 0.30% → $50k - $100k

Pacific Service Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%*$100k*-5 Year IRA
OTHER TIERS: 1.50% → $500 - $50k | 1.55% → $50k - $100k
1.50%*$100k*-4 Year IRA
OTHER TIERS: 1.40% → $500 - $50k | 1.45% → $50k - $100k
1.40%*$100k*-3 Year IRA
OTHER TIERS: 1.30% → $500 - $50k | 1.35% → $50k - $100k
1.20%*$100k*-2 Year IRA
OTHER TIERS: 1.10% → $500 - $50k | 1.15% → $50k - $100k
1.20%*$100k*-30 Month Add-on IRA
OTHER TIERS: 1.10% → $500 - $50k | 1.15% → $50k - $100k
1.00%*$100k*-1 Year IRA
OTHER TIERS: 0.90% → $500 - $50k | 0.95% → $50k - $100k
1.00%*$100k*-18 Month Bump-up IRA
OTHER TIERS: 0.90% → $500 - $50k | 0.95% → $50k - $100k
0.55%*$100k*-6 Month IRA
OTHER TIERS: 0.45% → $500 - $50k | 0.50% → $50k - $100k
0.35%*$100k*-3 Month IRA
OTHER TIERS: 0.25% → $500 - $50k | 0.30% → $50k - $100k
Locations


Pacific Service Credit Union Locations
Branch Office245 Market St Ste 1ASan Francisco, CA 94105-1702
Branch Office3000 Clayton RdConcord, CA 94519
Branch Office102 E Nees AveFresno, CA 93720-4312
Branch Office2051 Contra Costa BlvdPleasant Hill, CA 94523-3301
Branch Office2800 Kitty Hawk RdLivermore, CA 94551-7666
Branch Office2005 Crow Canyon Pl Ste 150San Ramon, CA 94583-1992

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