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Pacific Service Credit Union


Overview / Commentary
www.pacificservice.org
888-858-6878
1355 Willow Way
Concord, CA 94520

Pacific Service Credit Union is headquartered in Concord and is the 47th 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 June of 2023, it had grown to 150 employees and 67,529 members at 6 locations. Pacific Service Credit Union's money market rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Pacific Service Credit Union is open to those who live, work, worship, or attend school in the California counties of Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, or Sonoma. Employees and retirees of PG&E Corporation and its domestic subsidiaries, including Pacific Gas and Electric Company (PG&E), PG&E National Energy Group and Pacific Venture Capital, LLC are also eligible to join. Immediate family and household members of a current Pacific Service Credit Union member also qualify for membership.
See current membership details

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Reviews (2)

Excellent customer service

Posted by: |

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: |

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.

2


Health
B+

Data as of Q2 2023

Learn why bank health matters

Health Grade Components

Overall
NCUA #68413
Year Chartered1936
Employees150
Primary Regulator
Profit Margin
Return on Assets - YTD0.22%
Return on Equity - YTD1.97%
Annual Interest Income$25.8MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.43B$1.40B
LoansQ2 2023vs Q2 2022$1.02B$919.1MM
DepositsQ2 2023vs Q2 2022$1.18B$1.21B
Equity CapitalQ2 2023vs Q2 2022$158.4MM$161.6MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$1.8MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$1.5MM$511.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Pacific Service 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.

Pacific Service Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$50k*-Savings Account
OTHER TIERS: 0.05% → $100 - $2.5k | 0.10% → $2.5k - $50k
0.20%*$50k*-IRA Savings
OTHER TIERS: 0.05% → $100 - $2.5k | 0.10% → $2.5k - $50k

Pacific Service Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.65%*$250k*-Money Market Account
OTHER TIERS: 0.90% → $2.5k - $25k | 1.10% → $25k - $75k | 1.40% → $75k - $250k
1.65%*$250k*-IRA Money Market
OTHER TIERS: 0.90% → $2.5k - $25k | 1.10% → $25k - $75k | 1.40% → $75k - $250k

Pacific Service Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$75k*-Plu$ Checking
OTHER TIERS: 0.10% → $7.5k - $75k

Pacific Service Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$100k*-5 Year CD
OTHER TIERS: 2.90% → $1k - $50k | 2.95% → $50k - $100k
2.90%*$100k*-4 Year CD
OTHER TIERS: 2.80% → $1k - $50k | 2.85% → $50k - $100k
2.85%*$100k*-3 Year CD
OTHER TIERS: 2.75% → $1k - $50k | 2.80% → $50k - $100k
2.75%*$100k*-2 Year CD
OTHER TIERS: 2.65% → $1k - $50k | 2.70% → $50k - $100k
2.75%*$100k*-30 Month Add-on CD
OTHER TIERS: 2.65% → $1k - $50k | 2.70% → $50k - $100k
2.60%*$100k*-18 Month Bump-up CD
OTHER TIERS: 2.50% → $1k - $50k | 2.55% → $50k - $100k
2.50%*$100k*-1 Year CD
OTHER TIERS: 2.40% → $1k - $50k | 2.45% → $50k - $100k
2.25%*$100k*-9 Month CD
OTHER TIERS: 2.15% → $1k - $50k | 2.20% → $50k - $100k
2.00%*$100k*-6 Month CD
OTHER TIERS: 1.90% → $1k - $50k | 1.95% → $50k - $100k
1.90%*$100k*-3 Month CD
OTHER TIERS: 1.80% → $1k - $50k | 1.85% → $50k - $100k

Pacific Service Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$100k*-5 Year IRA
OTHER TIERS: 2.90% → $500 - $50k | 2.95% → $50k - $100k
2.90%*$100k*-4 Year IRA
OTHER TIERS: 2.80% → $500 - $50k | 2.85% → $50k - $100k
2.85%*$100k*-3 Year IRA
OTHER TIERS: 2.75% → $500 - $50k | 2.80% → $50k - $100k
2.75%*$100k*-2 Year IRA
OTHER TIERS: 2.65% → $500 - $50k | 2.70% → $50k - $100k
2.75%*$100k*-30 Month Add-on IRA
OTHER TIERS: 2.65% → $500 - $50k | 2.70% → $50k - $100k
2.60%*$100k*-18 Month Bump-up IRA
OTHER TIERS: 2.50% → $500 - $50k | 2.55% → $50k - $100k
2.50%*$100k*-1 Year IRA
OTHER TIERS: 2.40% → $500 - $50k | 2.45% → $50k - $100k
2.25%*$100k*-9 Month IRA
OTHER TIERS: 2.15% → $500 - $50k | 2.20% → $50k - $100k
2.00%*$100k*-6 Month IRA
OTHER TIERS: 1.90% → $500 - $50k | 1.95% → $50k - $100k
1.90%*$100k*-3 Month IRA
OTHER TIERS: 1.80% → $500 - $50k | 1.85% → $50k - $100k
Locations


Pacific Service Credit Union Locations
Corporate Office1355 Willow Way STE 200Concord, CA 94520
Branch Office102 E Nees AveFresno, CA 93720-4312
Branch Office1600 Contra Costa Blvd Ste EPleasant Hill, CA 94523-3061
Branch Office2800 Kitty Hawk RdLivermore, CA 94551-7666
Branch Office2005 Crow Canyon Pl Ste 150San Ramon, CA 94583-1992
Branch Office840 Herndon Ave STE 101Clovis, CA 93612

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