What are the current interest rates at Pacific Service Credit Union?

Current rates for Pacific Service Credit Union include: 12-Month CD: 2.40%, 18-Month CD: 2.50%, 24-Month CD: 2.65%, 60-Month CD: 3.10%, Savings: 3.00%, MMA: 1.75%

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Pacific Service Credit Union

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Pacific Service Credit Union Rates & Review October 2026

Q: Is a member application needed to join Pacific Service Credit Union?

Yes, to access services at Pacific Service Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pacific Service Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Pacific Service Credit Union's top rates as of October 10, 2026 are 3.20% APY on its 5 Year CD, 3.00% APY on savings, 1.75% APY on money market accounts, 1.25% APY on checking, 6.25% on its Jumbo Loan mortgage, personal loans from 8.99% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Pacific Service Credit Union CD rates include 5 Year CD at 3.15%, 5 Year CD at 3.10%, and 4 Year CD at 2.95%. Other Pacific Service Credit Union mortgage rates include 30-Year 5/6 Adjustable Rate Mortgage (ARM) at 6.32%, Jumbo Loan at 6.50%, and Jumbo Loan at 6.88%. MonitorBankRates evaluates the financial stability of Pacific Service Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.59%. Rates last updated and verified on 10/10/2026.

Pacific Service Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pacific Service Credit Union? Share your experience about Pacific Service Credit Union by leaving a review below, or read customer reviews before you decide to use Pacific Service Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.59%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Pacific Service Credit Union
Concord

1355 Willow Way
Concord, CA 94520

https://www.pacificservice.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Pacific Service Credit Union CD Rates

Product	Rate	APY	Term
5 Year Certificate	3.15%	3.20%	5 Year
Min Balance $100,000 Details Balances under $50000: Dividend Rate 3.06%, APY 3.10%; Balances $50000 - $99999: Dividend Rate 3.11%, APY 3.15%; Balances $100000 and over: Dividend Rate 3.15%, APY 3.20% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
5 Year Certificate	3.11%	3.15%	5 Year
Min Balance $50,000 Details Balances under $50000: Dividend Rate 3.06%, APY 3.10%; Balances $50000 - $99999: Dividend Rate 3.11%, APY 3.15%; Balances $100000 and over: Dividend Rate 3.15%, APY 3.20% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
5 Year Certificate	3.06%	3.10%	5 Year
Min Balance $0 Details Balances under $50000: Dividend Rate 3.06%, APY 3.10%; Balances $50000 - $99999: Dividend Rate 3.11%, APY 3.15%; Balances $100000 and over: Dividend Rate 3.15%, APY 3.20% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
4 Year Certificate	2.91%	2.95%	4 Year
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.81%, APY 2.85%; Balances $50000 - $99999: Dividend Rate 2.86%, APY 2.90%; Balances $100000 and over: Dividend Rate 2.91%, APY 2.95% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
4 Year Certificate	2.86%	2.90%	4 Year
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.81%, APY 2.85%; Balances $50000 - $99999: Dividend Rate 2.86%, APY 2.90%; Balances $100000 and over: Dividend Rate 2.91%, APY 2.95% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
4 Year Certificate	2.81%	2.85%	4 Year
Min Balance $0 Details Balances under $50000: Dividend Rate 2.81%, APY 2.85%; Balances $50000 - $99999: Dividend Rate 2.86%, APY 2.90%; Balances $100000 and over: Dividend Rate 2.91%, APY 2.95% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3 Year Certificate	2.77%	2.80%	3 Year
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.67%, APY 2.70%; Balances $50000 - $99999: Dividend Rate 2.72%, APY 2.75%; Balances $100000 and over: Dividend Rate 2.77%, APY 2.80% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
2 Year Certificate	2.72%	2.75%	2 Year
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.62%, APY 2.65%; Balances $50000 - $99999: Dividend Rate 2.67%, APY 2.70%; Balances $100000 and over: Dividend Rate 2.72%, APY 2.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3 Year Certificate	2.72%	2.75%	3 Year
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.67%, APY 2.70%; Balances $50000 - $99999: Dividend Rate 2.72%, APY 2.75%; Balances $100000 and over: Dividend Rate 2.77%, APY 2.80% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
2 Year Certificate	2.67%	2.70%	2 Year
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.62%, APY 2.65%; Balances $50000 - $99999: Dividend Rate 2.67%, APY 2.70%; Balances $100000 and over: Dividend Rate 2.72%, APY 2.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3 Year Certificate	2.67%	2.70%	3 Year
Min Balance $0 Details Balances under $50000: Dividend Rate 2.67%, APY 2.70%; Balances $50000 - $99999: Dividend Rate 2.72%, APY 2.75%; Balances $100000 and over: Dividend Rate 2.77%, APY 2.80% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
30 Month Add-On Certificate	2.67%	2.70%	30 Month
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.57%, APY 2.60%; Balances $50000 - $99999: Dividend Rate 2.62%, APY 2.65%; Balances $100000 and over: Dividend Rate 2.67%, APY 2.70% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
2 Year Certificate	2.62%	2.65%	2 Year
Min Balance $0 Details Balances under $50000: Dividend Rate 2.62%, APY 2.65%; Balances $50000 - $99999: Dividend Rate 2.67%, APY 2.70%; Balances $100000 and over: Dividend Rate 2.72%, APY 2.75% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
30 Month Add-On Certificate	2.62%	2.65%	30 Month
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.57%, APY 2.60%; Balances $50000 - $99999: Dividend Rate 2.62%, APY 2.65%; Balances $100000 and over: Dividend Rate 2.67%, APY 2.70% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18 Month Bump-Up Certificate	2.57%	2.60%	18 Month
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.47%, APY 2.50%; Balances $50000 - $99999: Dividend Rate 2.52%, APY 2.55%; Balances $100000 and over: Dividend Rate 2.57%, APY 2.60% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
30 Month Add-On Certificate	2.57%	2.60%	30 Month
Min Balance $0 Details Balances under $50000: Dividend Rate 2.57%, APY 2.60%; Balances $50000 - $99999: Dividend Rate 2.62%, APY 2.65%; Balances $100000 and over: Dividend Rate 2.67%, APY 2.70% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18 Month Bump-Up Certificate	2.52%	2.55%	18 Month
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.47%, APY 2.50%; Balances $50000 - $99999: Dividend Rate 2.52%, APY 2.55%; Balances $100000 and over: Dividend Rate 2.57%, APY 2.60% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
1 Year Certificate	2.47%	2.50%	1 Year
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.37%, APY 2.40%; Balances $50000 - $99999: Dividend Rate 2.42%, APY 2.45%; Balances $100000 and over: Dividend Rate 2.47%, APY 2.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
18 Month Bump-Up Certificate	2.47%	2.50%	18 Month
Min Balance $0 Details Balances under $50000: Dividend Rate 2.47%, APY 2.50%; Balances $50000 - $99999: Dividend Rate 2.52%, APY 2.55%; Balances $100000 and over: Dividend Rate 2.57%, APY 2.60% Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
1 Year Certificate	2.42%	2.45%	1 Year
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.37%, APY 2.40%; Balances $50000 - $99999: Dividend Rate 2.42%, APY 2.45%; Balances $100000 and over: Dividend Rate 2.47%, APY 2.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
1 Year Certificate	2.37%	2.40%	1 Year
Min Balance $0 Details Balances under $50000: Dividend Rate 2.37%, APY 2.40%; Balances $50000 - $99999: Dividend Rate 2.42%, APY 2.45%; Balances $100000 and over: Dividend Rate 2.47%, APY 2.50% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
9 Month Certificate	2.23%	2.25%	9 Month
Min Balance $100,000 Details Balances under $50000: Dividend Rate 2.13%, APY 2.15%; Balances $50000 - $99999: Dividend Rate 2.18%, APY 2.20%; Balances $100000 and over: Dividend Rate 2.23%, APY 2.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
9 Month Certificate	2.18%	2.20%	9 Month
Min Balance $50,000 Details Balances under $50000: Dividend Rate 2.13%, APY 2.15%; Balances $50000 - $99999: Dividend Rate 2.18%, APY 2.20%; Balances $100000 and over: Dividend Rate 2.23%, APY 2.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
9 Month Certificate	2.13%	2.15%	9 Month
Min Balance $0 Details Balances under $50000: Dividend Rate 2.13%, APY 2.15%; Balances $50000 - $99999: Dividend Rate 2.18%, APY 2.20%; Balances $100000 and over: Dividend Rate 2.23%, APY 2.25% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6 Month Certificate	2.08%	2.10%	6 Month
Min Balance $100,000 Details Balances under $50000: Dividend Rate 1.98%, APY 2.00%; Balances $50000 - $99999: Dividend Rate 2.03%, APY 2.05%; Balances $100000 and over: Dividend Rate 2.08%, APY 2.10% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6 Month Certificate	2.03%	2.05%	6 Month
Min Balance $50,000 Details Balances under $50000: Dividend Rate 1.98%, APY 2.00%; Balances $50000 - $99999: Dividend Rate 2.03%, APY 2.05%; Balances $100000 and over: Dividend Rate 2.08%, APY 2.10% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3 Month Certificate	1.98%	2.00%	3 Month
Min Balance $100,000 Details Balances under $50000: Dividend Rate 1.88%, APY 1.90%; Balances $50000 - $99999: Dividend Rate 1.93%, APY 1.95%; Balances $100000 and over: Dividend Rate 1.98%, APY 2.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
6 Month Certificate	1.98%	2.00%	6 Month
Min Balance $0 Details Balances under $50000: Dividend Rate 1.98%, APY 2.00%; Balances $50000 - $99999: Dividend Rate 2.03%, APY 2.05%; Balances $100000 and over: Dividend Rate 2.08%, APY 2.10% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3 Month Certificate	1.93%	1.95%	3 Month
Min Balance $50,000 Details Balances under $50000: Dividend Rate 1.88%, APY 1.90%; Balances $50000 - $99999: Dividend Rate 1.93%, APY 1.95%; Balances $100000 and over: Dividend Rate 1.98%, APY 2.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
3 Month Certificate	1.88%	1.90%	3 Month
Min Balance $0 Details Balances under $50000: Dividend Rate 1.88%, APY 1.90%; Balances $50000 - $99999: Dividend Rate 1.93%, APY 1.95%; Balances $100000 and over: Dividend Rate 1.98%, APY 2.00% Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Savings Rates

Product	Rate	APY
Stack Savings	2.96%	3.00%
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Stack Savings	1.98%	2.00%
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Savings Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Savings Account	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Savings Account	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Savings Account	0.05%	0.05%
Min Balance $100 Details Balance: $100 - $2,499 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Stack Savings	0.05%	0.05%
Min Balance $0 Details Published APY range: 0.05%-0.15%; Published rate range: 0.05%-0.15%. Balance: $0-2,499 Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	1.74%	1.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Money Market Account	1.49%	1.50%
Min Balance $75,000 Details Balance: $75,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Money Market Account	1.09%	1.10%
Min Balance $25,000 Details Balance: $25,000 - $74,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Money Market Account	0.90%	0.90%
Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Checking Rates

Product	Rate	APY
Stack Checking	1.24%	1.25%
Min Balance $5,000 Details Balance: $5,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Stack Checking	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
30-Year 5/6 Adjustable Rate Mortgage (ARM)	-	-	6.315%
Details Rates effective as of October 9, 2026. Index Source = 30 Day SOFR. Margin = 2.500. Index Rate = 3.815%. Fully Indexed Rate = 3.815% + 2.500 = 6.315%. 5/6 Annual Cap = 2.000%. 7/1 and 10/1 Initial Rate Cap Maximum = 5.000%; then 2.000% thereafter. Life Cap = 5.000% over initial rate. Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 6.15% → 6.32% ▲ 0.17 pts · high 6.32% / low 6.15% Oct 10, 20266.32%▲ from 6.25% Oct 2, 20266.25%▲ from 6.25% Oct 1, 20266.25%▲ from 6.21% Sep 27, 20266.21%▲ from 6.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Jumbo Loan	6.50%	1	6.616%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.62% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Jumbo Loan	6.25%	0	6.848%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.85% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Jumbo Loan	6.875%	0	6.894%	30 years
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
30-Year 5/1 Adjustable Rate Mortgage (ARM)	-	-	7.218%
Details Rates effective as of October 9, 2026. Index Source = 1 year Treasury. Margin = 2.750. Index Rate = 4.468%. Fully Indexed Rate = 4.468% + 2.750 = 7.218%. Annual Cap = 2.000%. Life Cap = 5.000% over initial rate. Last Updated 10/10/2026 Rate History 4 changes since Sep 18, 2026 · 7.14% → 7.22% ▲ 0.08 pts · high 7.28% / low 7.14% Oct 10, 20267.22%▼ from 7.22% Oct 2, 20267.22%▼ from 7.28% Oct 1, 20267.28%▲ from 7.23% Sep 27, 20267.23%▲ from 7.14% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	4.99%	Up to 60 months
Details Published APR range: 4.990% - 5.990%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity Loan	-	-	5.99%	Up to 84 months
Details Published APR range: 5.990% - 6.990%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity - Investment Home	-	-	6.49%	Up to 144 months
Details Published APR range: 6.490% - 9.990%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity - Second Home	-	-	6.49%	Up to 180 months
Details Published APR range: 6.490% - 9.990%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity Line of Credit	-	-	6.75%
Details Published APR range: 6.750% - 7.750%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity Line of Credit - Investment home	-	-	7.25%
Details Published APR range: 7.250% - 8.750%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity Line of Credit - Second home	-	-	7.25%
Details Published APR range: 7.250% - 8.750%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity Loan	-	-	7.75%	Up to 120 months
Details Published APR range: 7.750% - 8.240%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Home Equity Loan	-	-	7.99%	Up to 180 months
Details Published APR range: 7.990% - 8.490%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Vehicle Loan	-	-	4.24%	Up to 84 months
Details Published APR range: 4.24% - 15.99%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Used Vehicle Loan	-	-	4.89%	Up to 84 months
Details Published APR range: 4.89% - 15.99%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.89% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boat & RV Loan	-	7.24%	Up to 144 months
Details Published APR range: 7.24% - 13.59%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
New & Used Motorcycle Loan	-	7.54%	Up to 72 months
Details Published APR range: 7.54% - 17.99%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.54% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Rewards	-	10.75%
Details Published APR range: 10.75% - 15.75%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Closed End Loan	8.99%	Up to 60 months
Details Published APR range: 8.99% - 18.99%. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Pacific Service Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Conforming Loan	7.125%	1	7.268%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Conforming Loan	7.375%	0	7.418%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.42% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
Conforming Loan	7.375%	0	7.599%
Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.93% → 7.60% ▲ 0.67 pts · high 7.60% / low 6.93% Oct 10, 20267.60%▲ from 7.43% Oct 1, 20267.43%▲ from 7.18% Sep 27, 20267.18%▲ from 7.09% Sep 18, 20267.09%▲ from 6.93% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
High Balance Loan	6.50%	1	6.631%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
High Balance Loan	6.875%	0	6.909%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.91% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
High Balance Loan	6.25%	0	6.863%	30 years
Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.86% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
High Balance Loan	7.25%	1	7.569%
Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 5.71% → 7.57% ▲ 1.86 pts · high 7.57% / low 5.46% Oct 10, 20267.57%▲ from 5.96% Oct 1, 20265.96%▲ from 5.71% Sep 27, 20265.71%▲ from 5.46% Sep 18, 20265.46%▼ from 5.71% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%
High Balance Loan	7.00%	0	7.211%
Last Updated 10/10/2026 Rate History 3 changes since Sep 14, 2026 · 6.56% → 7.21% ▲ 0.65 pts · high 7.21% / low 6.56% Oct 10, 20267.21%▲ from 6.90% Oct 1, 20266.90%▲ from 6.71% Sep 18, 20266.71%▲ from 6.56% Sep 14, 20266.56%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.59%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Pacific Service Credit Union’s Texas Ratio stayed near 1.20% in Q3 2023 to 1.59% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	1.59%	5.0	A+
March 31, 2026	$1.3B	2.01%	5.0	A+
December 31, 2025	$1.3B	2.13%	5.0	A+
September 30, 2025	$1.3B	2.48%	5.0	A+
June 30, 2025	$1.3B	2.27%	5.0	A+
March 31, 2025	$1.4B	2.04%	5.0	A+
December 31, 2024	$1.4B	2.47%	5.0	A+
September 30, 2024	$1.4B	2.34%	5.0	A+
June 30, 2024	$1.4B	2.07%	5.0	A+
March 31, 2024	$1.5B	1.80%	5.0	A+
December 31, 2023	$1.5B	1.81%	5.0	A+
September 30, 2023	$1.4B	1.20%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Pacific Service Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Pacific Service Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Pacific Service Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pacific Service Credit Union

Website https://www.pacificservice.org

Address 1355 Willow Way, Concord, CA 94520

Phone 888-858-6878

Fax

President Amar Panchal

CEO Jenna Lampson

Full-Time Employees 157

Part-Time Employees 2

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.59%

Return on Assets (ROA)

0.3793%

Return on Equity (ROE)

2.4399%

Non-Performing Loans Ratio (NPL)

0.35%

Total Assets

1,326,726,661

Total Amount of Shares and Deposits

1,090,576,469

Total Shares and Deposits < 1 Year

1,017,212,244

Total Shares and Deposits 1 3 Years

49,110,105

Total Shares and Deposits > 3 Years

24,254,119

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

49,599,375

Total Uninsured Shares and Deposits > $250K (F+J)

49,599,375

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,040,977,094

Total Interest Expense (Sum of items 6 8)

7,696,425

Share Certificates

7,959

Number of Accounts for Share Drafts

39,939

IRA KEOGH Accounts

2,556

Number of Accounts for Regular Shares

73,596

Money Market Shares

8,802

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

42,109,188

Total Liabilities

1,135,409,269

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Pacific Service Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Pacific Service Credit Union

How many branches does Pacific Service Credit Union operate?

Pacific Service Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Pacific Service Credit Union?

Yes, to access services at Pacific Service Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Pacific Service Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Pacific Service Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pacific Service Credit Union offer online and mobile banking?

Most modern institutions like Pacific Service Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pacificservice.org.

Current Pacific Service Credit Union Rates

12-Month CD2.40%
18-Month CD2.50%
24-Month CD2.65%
60-Month CD3.10%
Savings3.00%
MMA1.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Pacific Service Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Pacific Service Credit Union Texas Ratio

Pacific Service Credit Union Health Trend

Pacific Service Credit Union CD Rates

Pacific Service Credit Union Savings Rates

Pacific Service Credit Union Money Market Rates

Pacific Service Credit Union Checking Rates

Pacific Service Credit Union Mortgage Rates

Pacific Service Credit Union Home Equity & HELOC

Pacific Service Credit Union Auto Loan Rates

Pacific Service Credit Union RV, Boat and Powersport Loan Rates

Pacific Service Credit Union Credit Card Rates

Pacific Service Credit Union Personal Loan Rates

Pacific Service Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Pacific Service Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Pacific Service Credit Union

How many branches does Pacific Service Credit Union operate?

Is a member application needed to join Pacific Service Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Pacific Service Credit Union offer online and mobile banking?

Current Pacific Service Credit Union Rates

Compare to Other Credit Unions