Credit union · NCUA insured
Pacific Service Credit Union CD Rates
Top CarrotPacific Service Credit Union’s best CD rate is 3.20% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Pacific Service Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Pacific Service Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pacific Service Credit Union
3.10%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,649
Certificates
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Pacific Service Credit Union CD score
68
CD score
Higher than 20% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo2.00%
- 9–15 months9–15 mo2.40%
- 16–30 months16–30 mo2.65%
- 31–60 months31–60 mo3.10%
- QualifiedQualified3.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Pacific Service Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificates
Up to 3.10%APY · 10 terms
Membership requires opening a primary savings account with a minimum balance of $5.00. $1,000 minimum required to open account and earn dividends; $100 for members age 23 and under. A penalty may be imposed for early withdrawals.
| Term | APY · Up to $50,000 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.00% | —2.00% from $100k | — |
| 3 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 1.95% | — | —1.95% $50k–$100k | — |
| 3 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 1.90% | — | — | 1.90% | $47 |
| 6 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.10% | —2.10% from $100k | — |
| 6 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.05% | — | —2.05% $50k–$100k | — |
| 6 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.00% | — | — | 2.00% | $100 |
| 9 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.25% | —2.25% from $100k | — |
| 9 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.20% | — | —2.20% $50k–$100k | — |
| 9 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.15% | — | — | 2.15% | $161 |
| 12 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.50% | —2.50% from $100k | — |
| 12 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.45% | — | —2.45% $50k–$100k | — |
| 12 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.40% | — | — | 2.40% | $240 |
| 18 months18 Month Bump-Up. Balances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.60% | —2.60% from $100k | — |
| 18 months18 Month Bump-Up. Balances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.55% | — | —2.55% $50k–$100k | — |
| 18 months18 Month Bump-Up. Balances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.50% | — | — | 2.50% | $377 |
| 24 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.75% | —2.75% from $100k | — |
| 24 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.70% | — | —2.70% $50k–$100k | — |
| 24 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.65% | — | — | 2.65% | $537 |
| 30 months30 Month Add-On. Balances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.70% | —2.70% from $100k | — |
| 30 months30 Month Add-On. Balances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.65% | — | —2.65% $50k–$100k | — |
| 30 months30 Month Add-On. Balances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.60% | — | — | 2.60% | $663 |
| 36 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.80% | —2.80% from $100k | — |
| 36 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.75% | — | —2.75% $50k–$100k | — |
| 36 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.70% | — | — | 2.70% | $832 |
| 48 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 2.95% | —2.95% from $100k | — |
| 48 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 2.90% | — | —2.90% $50k–$100k | — |
| 48 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 2.85% | — | — | 2.85% | $1,190 |
| 60 monthsBalances $100,000 and over. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | — | 3.20% | —3.20% from $100k | — |
| 60 monthsBalances $50,000 - $99,999. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | — | 3.15% | — | —3.15% $50k–$100k | — |
| 60 monthsBalances under $50,000. Opening minimum $1,000 ($100 for members age 23 and under). Penalty may be imposed for early withdrawal | 3.10% | — | — | 3.10% | $1,649 |
IRA Certificate
Up to 3.10%APY · 10 terms
Membership requires opening a primary savings account with a minimum balance of $5.00. $500 minimum required to open an IRA certificate and earn dividends. IRA and Coverdell ESA options may provide tax benefits; additional penalties may be assessed by federal and state tax authorities under regulations governing IRAs. Early withdrawal penalty may be imposed.
| Term | APY · Up to $50,000 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.00% | —2.00% from $100k | — |
| 3 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 1.95% | — | —1.95% $50k–$100k | — |
| 3 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 1.90% | — | — | 1.90% | $47 |
| 6 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.10% | —2.10% from $100k | — |
| 6 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.05% | — | —2.05% $50k–$100k | — |
| 6 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.00% | — | — | 2.00% | $100 |
| 9 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.25% | —2.25% from $100k | — |
| 9 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.20% | — | —2.20% $50k–$100k | — |
| 9 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.15% | — | — | 2.15% | $161 |
| 12 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.50% | —2.50% from $100k | — |
| 12 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.45% | — | —2.45% $50k–$100k | — |
| 12 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.40% | — | — | 2.40% | $240 |
| 18 months18 Month Bump-Up. Balances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.60% | —2.60% from $100k | — |
| 18 months18 Month Bump-Up. Balances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.55% | — | —2.55% $50k–$100k | — |
| 18 months18 Month Bump-Up. Balances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.50% | — | — | 2.50% | $377 |
| 24 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.75% | —2.75% from $100k | — |
| 24 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.70% | — | —2.70% $50k–$100k | — |
| 24 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.65% | — | — | 2.65% | $537 |
| 30 months30 Month Add-On. Balances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.70% | —2.70% from $100k | — |
| 30 months30 Month Add-On. Balances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.65% | — | —2.65% $50k–$100k | — |
| 30 months30 Month Add-On. Balances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.60% | — | — | 2.60% | $663 |
| 36 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.80% | —2.80% from $100k | — |
| 36 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.75% | — | —2.75% $50k–$100k | — |
| 36 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.70% | — | — | 2.70% | $832 |
| 48 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 2.95% | —2.95% from $100k | — |
| 48 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 2.90% | — | —2.90% $50k–$100k | — |
| 48 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 2.85% | — | — | 2.85% | $1,190 |
| 60 monthsBalances $100,000 and over. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | — | 3.20% | —3.20% from $100k | — |
| 60 monthsBalances $50,000 - $99,999. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | — | 3.15% | — | —3.15% $50k–$100k | — |
| 60 monthsBalances under $50,000. $500 minimum required to open an IRA certificate and earn dividends. Additional penalties may be assessed by tax authorities; early withdrawal penalty may be imposed | 3.10% | — | — | 3.10% | $1,649 |
Who can join Pacific Service Credit Union
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.
Membership information collected October 5, 2026.