Credit union · NCUA insured
Pacific Service Credit Union
Top CarrotA $1.3B credit union, the 368th largest of 4,329, headquartered in Concord, CA, with 70,972 members and 6 branches in California. Best rates: CDs 3.20% and savings 0.90% APY.
Pacific Service Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 81% of U.S. banks and credit unions
#19 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pacific Service Credit Union
Founded in 1936 by PG&E employees, Pacific Service Credit Union began as a credit union for Pacific Gas & Electric employees.
Today, the credit union serves 12 Northern California counties, including Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma counties.
- Headquarters
- 1355 Willow Way, Ste 200, Concord, CA 94520
- NCUA charter
- 68413
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Alameda, Contra Costa, Fresno, Marin, Napa, Placer, Sacramento, San Francisco, San Mateo, Santa Clara, Solano, or Sonoma counties (California) is eligible for membership.
Employers and groups
- Employees of one of Pacific Service CU's business partners are eligible for membership.
- Employees who work regularly for companies served by Pacific Service CU (including contractors, temporary employees on assignment at a PG&E location, and independent contractors on assignment for PG&E) are eligible for membership.
- Employees of a business, corporation, organization, association, or other legal entity currently located in the eligible California counties are eligible for membership.
- Employees or employers of public or private energy-based entities located in California or Texas are eligible for membership.
- Members of the Financial Fitness Association are eligible for membership.
3 more ways to join
Employers and groups
- Employees or retirees of PG&E Corporation and its domestic subsidiaries (including PG&E, PG&E National Energy Group, and Pacific Venture Capital, LLC) are eligible for membership.
Family and household
- Immediate family members of a current Pacific Service CU member (including spouse, children, parents, siblings, grandparents, grandchildren, nephews, nieces, and cousins) are eligible for membership.
- Household members of a current Pacific Service CU member, including roommates, are eligible for membership.
Cost to join
- Membership requires opening a primary savings account with a minimum balance of $5.00.
Branches
6 branches in California
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California
6 branches
San Francisco area · 4
- ConcordMain office1355 Willow Way, Ste 200, Concord, CA 94520Directions
- Livermore2800 Kitty Hawk Rd, Livermore, CA 94551Directions
- Pleasant Hill1600 Contra Costa Blvd Ste E, Pleasant Hill, CA 94523Directions
- San Ramon3121 Crow Canyon Pl Ste B, San Ramon, CA 94583Directions
Fresno area · 2
- Clovis840 Herndon Ave, Ste 101, Clovis, CA 93612Directions
- Fresno102 E Nees Ave, Fresno, CA 93720Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.54% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.35% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.76% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $91 | $88 | — |
- CapitalNet worth ratio15.54%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.35%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.76%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$91Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Pacific Service Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.