Credit union · NCUA insured
Pacific Service Credit Union Savings Rates
Top CarrotPacific Service Credit Union’s best savings rate is 0.90% APY on $10,000, with its Money Market Account. Rates checked October 16, 2026.
How Pacific Service Credit Union’s savings 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
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $300
Stack Savings
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Pacific Service Credit Union savings score
86
Savings score
Higher than 72% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0001.50%
- QualifiedQualified3.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.90%APY
No minimum balance required. Maintain a $2,500 balance to earn dividends and link your account to checking for overdraft protection.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.90% | $90 |
| $25,000 – $74,999 | 1.10% | — |
| $75,000 – $249,999 | 1.50% | — |
| $250,000 and up | 1.75% | — |
Savings Account
0.10%APY
Requires a $5.00 minimum opening deposit and balance in primary savings to establish and maintain membership. Maintain a $100 balance to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $2,499 | 0.05% | — |
| $2,500 – $24,999 | 0.10% | $10 |
| $25,000 – $49,999 | 0.10% | — |
| $50,000 and up | 0.15% | — |
Special-purpose accounts
Stack Savings
Up to 3.00%APY
No monthly maintenance fee, no minimum balance requirement to earn dividends if qualifications are met, and no cap on dividend earnings. $1,000 minimum required to open account and earn dividends ($100 for members age 23 and under). Requires opening a primary savings account with $5.00 minimum balance for membership. Dividends calculated via daily balance method and credited monthly. APY applied in the following month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTier 2 requirements: Qualifying government or payroll direct deposits totaling at least $5,000 per calendar month and at least 10 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under).Any balance | 3.00% | $300 | Tier 2 requirements: Qualifying government or payroll direct deposits totaling at least $5,000 per calendar month and at least 10 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under). |
| Any balanceTier 1 requirements: Qualifying government or payroll direct deposits totaling at least $2,500 per calendar month and at least 5 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under).Any balance | 2.00% | $200 | Tier 1 requirements: Qualifying government or payroll direct deposits totaling at least $2,500 per calendar month and at least 5 qualifying purchase transactions using a Pacific Service CU debit card and/or Visa credit card posting during the same calendar month. Opening deposit of $1,000 required ($100 for age 23 and under). |
Sources (3)
All captured Oct 6, 2026
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.