Overview / Commentary
424-233-3091
101 W. Walnut Street Suite #101
Gardena, CA 90248

PacTrans Federal Credit Union is headquartered in GARDENA and is the 190th largest credit union in the state of California. It is also the 2,163rd largest credit union in the nation. It was established in 1939 and as of December of 2018, it had grown to 16 employees and 5,114 members at 3 locations. PacTrans Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees of Union Pacific, Amtrak, and other companies, as well as membership is select organizations.
See current membership details

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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. PacTrans Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #3378
Year Chartered1939
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.17%
Annual Interest Income$2.5MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$58.5MM$61.4MM
LoansQ4 2018vs Q4 2017$38.0MM$35.9MM
DepositsQ4 2018vs Q4 2017$45.5MM$48.7MM
Equity CapitalQ4 2018vs Q4 2017$12.1MM$12.1MM
Loan Loss AllowanceQ4 2018vs Q4 2017$246.00K$154.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$2.4MM$1.9MM
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not PacTrans Federal 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.

PacTrans Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Primary Share
0.15%--Holiday Club
0.15%$25-PacTrans Saver

PacTrans Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%*$100k*-Advantage Money Market
OTHER TIERS: 0.15% $2.5k - $10k | 0.20% $10k - $50k | 0.25% $50k - $100k

PacTrans Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$25-Interest Checking

PacTrans Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%*$100k*-5 Year Share Certificate
OTHER TIERS: 2.40% $1k - $25k | 2.45% $25k - $50k | 2.50% $50k - $100k
1.25%*$50k*-4 Year Share Certificate
OTHER TIERS: 1.15% $1k - $25k | 1.20% $25k - $50k
1.00%*$50k*-3 Year Share Certificate
OTHER TIERS: 0.90% $1k - $25k | 0.95% $25k - $50k
0.70%*$50k*-2 Year Share Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $50k
0.50%*$50k*-1 Year Share Certificate
OTHER TIERS: 0.40% $1k - $25k | 0.45% $25k - $50k
0.30%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.25% $1k - $50k
0.15%$1k-3 Month Share Certificate

PacTrans Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%*$100k*-5 Year IRA Certificate
OTHER TIERS: 2.40% $1k - $25k | 2.45% $25k - $50k | 2.50% $50k - $100k
1.25%*$50k*-4 Year IRA Certificate
OTHER TIERS: 1.15% $1k - $25k | 1.20% $25k - $50k
1.00%*$50k*-3 Year IRA Certificate
OTHER TIERS: 0.90% $1k - $25k | 0.95% $25k - $50k
0.70%*$50k*-2 Year IRA Certificate
OTHER TIERS: 0.60% $1k - $25k | 0.65% $25k - $50k
0.50%*$50k*-1 Year IRA Certificate
OTHER TIERS: 0.40% $1k - $25k | 0.45% $25k - $50k
0.30%*$50k*-6 Month IRA Certificate
OTHER TIERS: 0.25% $1k - $50k
0.15%$1k-3 Month IRA Certificate
Locations


PacTrans Federal Credit Union Locations
Branch Office2401 E Sepulveda BlvdLong Beach, CA 90810
Branch Office444 S Waterman AveSan Bernardino, CA 92408
Branch Office19100 Slover AveBloomington, CA 92316-2457

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