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Exclusive. Member. Benefits.
Every day, we put people before profits. In addition to low loan rates and high savings rates, membership includes an entire array of cost saving benefits aimed at helping you achieve your financial goals and strengthen your financial future. You have access to everything from free financial education and counseling to discounted trust and estate planning services to free Coinstar machines in every branch.
Free financial education
Fun Fact! Free financial fitness is a cornerstone of our mission to strengthen your financial future.
- Financial education resource center
- Financial counseling through our partnership with BALANCE
- Certified money coaches
- Educational modules
- Webinars
- Money Matters blog
Branch services
Fun Fact! We have six local branches that offer time and money-savings services.
- Free Coinstar
- Free shred bins
- Free cashier’s checks
- Notary service
- Signature guarantee service
- Credit and debit cards issued instantly
Digital banking services
Fun Fact! With online and mobile banking, you have your own personal branch at your fingertips.
- Transfer money to and from other financial institutions
- Mobile wallet
- Person-to-person payments with Zelle®
- Free credit score
- Account aggregation
- Turn your debit and credit cards on and off to protect against fraud or if cards are lost or stolen
Download our mobile banking app today.
Checking account services
Fun Fact! Our checking accounts simplify everyday banking with features like free cashier’s checks, overdraft protection, dividend earnings, and more.
- Early payday with direct deposit
- ATM fee reimbursement
- Free overdraft protection
- No non-sufficient fees (NSF)
- Over 30,000 free ATMs and 5,000 shared branches
Trust and estate planning
Fun Fact! We’ve partnered with Affinity Trusts to offer discounted estate planning services.
- Complimentary consultations
- Free estate planning webinars
- Pricing starts at $1,795 for individuals or $2,095 for married couples
Auto loans
Fun Fact! Our auto loans are simple to get and easy to afford with low rates and flexible terms.
- Auto refinance program – Refinance from another lender and get 1% cash back
- New and used car buying service
- 90-day payment deferral
- Skip-a-Loan payment
- Guaranteed asset protection (GAP) coverage
- Mechanical repair coverage
- Loan payment protection
Visa Platinum Rewards card
Fun Fact! Our Visa Platinum Rewards card offers real value that is rewarding and secure.
- Low rates and no annual fee
- No foreign transaction fees
- Free balance transfers
- 10-day grace period for payments
- Built-in fraud protection
- Free ID Navigator Powered by NortonLifeLock identity theft protection
- Loan payment protection
Home buying and selling service
Fun Fact! We’ve teamed up with HomeAdvantage® to offer you a simpler way to buy and sell your home.
Youth account services
Fun Fact! We offer a variety of products to help young adults pave the way toward a bright financial future.
- Visa Platinum Starter Rewards card – Ideal for those looking to build credit history, offering a manageable initial limit and features of our Platinum Rewards card. Responsible use and timely payments can lead to positive credit building and a higher limit.
- First-step checking – Our free checking account for members age 23 and under offers no monthly fees and ATM fee reimbursement up to $3 per transaction and $12 per month.
- Certificate accounts – Certificate accounts typically pay higher rates than traditional savings accounts. You choose the length of time or “term” and receive a guaranteed rate. If you’re age 23 and under, you can open an account with as little as $100.
- Coverdell Education Savings (ESA) accounts – Plan for future education expenses with an ESA. This is a great option for parents or grandparents to set up regular contributions for students to grow savings quickly on a tax-favored basis.
More perks
As a Pacific Service CU member, you have access to even more benefits:
- Member referral program – refer us to your friends and family and receive up to $500
- 24/7 member service support – contact a member service representative at (888) 858-6878
- Federally insured by the NCUA – we are safe, sound, and secure, with no obligations to shareholders or investors. Your deposits are federally insured up to $250,000.
- Member-owned – as a not-for-profit organization, Pacific Service CU is owned by its members, meaning profits are returned through lower fees, higher savings rates, and reduced loan rates. We are committed to offering reliable products and services to help you achieve your financial goals and enhance your financial well-being.
Community Involvement
We pride ourselves on being a good corporate citizen and an active part of the communities we serve. For the past nine years, Pacific Service CU has been ranked by the San Francisco Business Times for corporate philanthropy. Through our community involvement efforts, we donate approximately $200,000 per year to help enrich and improve the lives of the people in the communities we serve. We focus on helping our communities by funding 501(c)(3) organizations concentrated on services for children, education, health and human services, and disaster relief.
Complete Visa Card Account Agreement and Truth-in-Lending Disclosure. Annual Percentage Rate (APR) as of September 3, 2024. APR is variable and ranges between 12.50% and 17.50% and is based on creditworthiness at the time of application. After that, the rate will vary with the market based on the Prime Rate. Cash advances and balance transfers do not qualify to earn Reward points. Use of points is subject to ScoreCard Rewards Terms and Conditions.
To open an ESA account or for more information, please call a member service representative at (888) 858-6878. ESA options may provide tax benefits. Contact a tax advisor for details. Fees may reduce earnings and a penalty may be imposed for early withdrawals. Additional penalties may be assessed by federal and state tax authorities under regulations governing ESAs.
