Life's in session
Each stage of life brings new and exciting challenges. To help you keep it all under control, Pacific Service Credit Union offers a variety of financial products and services designed with a younger lifestyle in mind. We have everything you need to take care of your money today, as well as start building a solid financial future for tomorrow.
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Savings Account
Perfect for: saving money for a computer, a vacation, or planning for unexpected expenses
Open a savings account online and we’ll deposit the first $5. There are no monthly fees and deposits and withdrawals can be made by mail, ATM or by visiting a branch. Members 23 and under also receive an extra $5 just for depositing birthday money with the Credit Union.
FirstStep Checking Account
Perfect for: everyday expenses such as buying lunch, or paying bills and rent
Our free checking account specially designed for members 23 and under offers free bill pay, a free box of checks, no minimum balance requirements and no monthly fees. And better yet, free ATM access - we reimburse ATM fees.
Visa Check Card
Perfect for: shopping online or accessing cash anytime you need it
Our Visa check card offers the convenience of a credit card but the money is simply deducted from a Pacific Service CU checking account. It’s safer than cash and can be used even when checks or ATM cards aren’t accepted. Access money at the mall, movie theatres, restaurants or even online – anywhere Visa is accepted.. Our Visa check card doubles as an ATM card allowing access to cash at thousands of ATMs.
Visa Classic Starter Card
Perfect for: building credit history with responsible spending and timely payments
If you have a job or you're a student, we've got a low-rate Visa Classic Starter Card with a $500 credit limit just for you. With controlled spending and timely payments, you'll be on your way to establishing a good credit history.
Auto Loans - No Credit, No Problem!
Perfect for: finally getting your own car
Pacific Service CU can help you qualify for an auto loan by using your parent’s credit history with your parent as a co-signer. This may help you qualify for our best rates. With low rates and flexible terms, we offer monthly payments to fit your budget. It’s a great way to help build your credit.
Auto Loan for College Grads
Perfect for: getting a new set of wheels for your first job
We know that getting your first auto loan can be hard if you don't have established credit. We can help. If you're a college graduate and you're starting off your career - we've got a FirstStep auto loan just for you! With controlled spending and timely payments, your Pacific Service CU auto loan will put you on the road to establishing a good credit history. After all, your first home loan is not too far away!
Certificate Account
Perfect for: saving money for a major purchase such as a new car or a house
Members 23 and under can open a certificate account with as little as $100. Certificate accounts are a stable way to accumulate savings. We have terms from 6-months to 5-years. At the end of the term, the money can be withdrawn or reinvested so it can continue to grow.
Education Savings Account
Perfect for: taking your first step toward earning a college degree
Starting a Coverdell Education Savings Account (ESA) can help financially prepare students for future education expenses. An ESA allows savings for education expenses on a tax-favored basis. Contributions can be made for the student until they reach age 18. We offer ESA savings, money market or certificate investment options.
First-Time Homebuyer Program
Perfect for: buying a home you can call your own
The Home Loan Payment Relief (HLPR) loan is a national credit union program designed to assist home buyers of modest means purchase a home. Pacific Service Credit Union has allocated $5 million per year to fund these loans for first-time homebuyers. Funds can be gifted and closing costs and Private Mortgage Insurance (PMI) are paid by the Credit Union.
brass Magazine
Perfect for: learning about money - how to make it, manage it and multiply it
Members ages 16-23 will receive brass magazine. 
brass is produced by young adults for young adults. Past cover stories include The Professor from And 1, featured on ESPN and the cover of Sports Illustrated, and Miri Ben-Ari, the Hip-Hop Violinist who toured with Kanye West and performed live with Jay Z. The publication mails four times a year, but you don't have to wait - visit brass online today!
Education Center
Perfect for: learning how to make, spend and manage your money
Visit our Education Center for access to informative articles from financial experts. Featuring nearly 100 articles, including how to negotiate a car purchase, the cost of credit, understanding student loans and more. The answers are a click away.
Elements podcast: Free mp3 podcast
Perfect for: hearing about money management from someone you trust
Elements is a series of free podcasts dealing with financial issues that are important to young consumers. We'll cover topics like buying a car, paying for college, tips for saving money, and just about anything else you want to hear.
Website
Our website is a useful resource for instant loan decisions, current rates, calculators, eStatements, the Education Center and the brass website.
Apply online today!
For more information, call a member service representative at (888) 858-6878, ext. 6231.
All products offered through Pacific Service Credit Union require members under the age of 18 to have a joint owner 18 or older. Members must be 18 or older to apply for any loan. To be eligible for our Visa Classic Starter Card, members must have no adverse credit history. Final checking account establishment is subject to approval through ChexSystems. Visa check card is subject to approval. Pacific Service Credit Union cannot give financial, tax or legal advice regarding Coverdell Education Savings Accounts. Please consult a tax advisor for more information about these accounts to determine if an ESA is appropriate for you.
