Pacific Service Credit Union

Overview / Commentary
1355 Willow Way
Concord, CA 94520

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

Reviews (2)

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

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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

NCUA #68413
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.34%
Annual Interest Income$30.2MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$1.38B$1.39B
LoansQ3 2022vs Q3 2021$968.9MM$848.8MM
DepositsQ3 2022vs Q3 2021$1.20B$1.19B
Equity CapitalQ3 2022vs Q3 2021$148.2MM$180.9MM
Loan Loss AllowanceQ3 2022vs Q3 2021$2.7MM$1.9MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$874.00K$100.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Pacific Service Credit Union are currently being reviewed.


Pacific Service Credit Union Locations
Branch Office3000 Clayton RdConcord, CA 94519
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 Office245 Market St Ste 1ASan Francisco, CA 94105-1702

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