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As a nonprofit, full-service financial institution, part of our mission is to provide financial education so you can feel confident that you're making informed financial decisions.


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Jan 9




It’s a new year! There is always something exciting about having a fresh start. Typically resolutions usually involve getting in shape, either physically or financially. Although I can’t really help with your health and wellness goals, I can helps with your savings goal. Here are four tips to help achieve your goals.


Set a Target
Instead of resolving to “save money in 2014,” quantify it with a concrete objective. For example, “save $250 a month in 2014.” Setting a target helps you establish an expectation, work towards your goal and, most importantly, know when you’ve achieved it.


Choose One Major Objective
One major objective for the year increases your ability to focus. Make your goal easy to articulate in a short sentence. If your New Year’s resolution is to save money, lose weight and get a promotion, your end goal gets a little lost in the clutter. Focus on one resolution at a time. After you’ve built the habit of saving money each month, you can build on your success next year and add a new goal.


Automate your money management when you can. Use direct deposit, automated transfers, bill pay and more – you can set it and forget it. You may be more successful when your extra money is out of sight. Open a second savings account in BranchLine using the “Open Account” tab. Then, automatically transfer money each month to your vacation fund, a holiday stash – even a child’s account!


Be Realistic
Ultimately, resolutions fail because people give up. If you fall short of your intended target one month, that’s okay. Keep your motivation to try again next month or reevaluate and adjust your goal to make it attainable. Continue to strive for your goal throughout the year. Routines become habit.


Sticking to a New Year’s resolution isn’t always easy – but it can be rewarding! Good luck for a successful 2014.


Happy New Year!

by Kristin, Vice President, Marketing

Dec 23


Pacific Service Credit Union has been notified of a card compromise related to Target Stores that may affect your Pacific Service CU credit, debit and ATM card. The compromise took place at all U.S. Target stores between November 27 and December 15, 2013.


We are working with Visa to determine the number of cards which were impacted by this unauthorized access. If we determine that any card is at risk, you will be notified and your card will be blocked and replaced. However, the card will be available for use until the new card is received.


In the meantime, we encourage you to watch your accounts for unauthorized activity. You can check transaction history and set up email alerts in BranchLine. If you notice anything suspicious, please call a member service representative at (888) 858-6878 as soon as possible.


We are taking this situation very seriously and are working diligently to minimize fraud. For more information about the situation, please visit the Target website.

Dec 10



Collecting your coins can add up to big money! You may be surprised that your spare change could make for a nice bonus around the holidays.


If you’re like me, you have coin stashes in piggybanks, bags and containers around your house. Collect the coins yourself or make it a fun project for the kids.


Next stop, Pacific Service CU. Bring your coin collection into one of our five Coinstar coin counting machine locations. Simply pour your change into the Coinstar tray and watch your total add up. Our friendly member service representatives can give you cash or deposit the amount into your account. Or, let the kids use some of the money on holiday gifts for family or friends! It’s easy and free for members.


Stop by our San Francisco, San Ramon, Pleasant Hill, Livermore or Fresno branch to try Coinstar.


Good luck with your coin counting and happy holidays!


by Kristin, Vice President, Marketing

Dec 3



At Pacific Service Credit Union, we believe that teaching children and young adults about money management instills important financial habits that last a lifetime. That’s why we’ve designed a suite of products specifically suited to children and young adults.


Take a moment to review our age-specific products and help someone in your family to a lifetime of savings:


Savings Accounts
We believe it’s important to teach our children and grandchildren to save money. For young adults, we’ve lowered our certificate minimums to only $100 to make it easier to maximize their earnings. We also encourage members under age 21 to save by adding an extra $5 to their account when they deposit their birthday money with us.


FirstStep Checking
FirstStep Checking was created for members 23 and under. It features no minimum balance requirement, no monthly fees, and out-of-network ATM fee reimbursement up to $3 per transaction and $12 per month. And it still has all the “frees” of our regular checking accounts like a Visa debit card, mobile banking, online banking, eStatements and bill pay.


Visa Platinum Starter Card
We also want to instill the importance of building a positive credit history. That’s why we developed our Visa Platinum Starter Card program. It features no annual fee and a $500 initial credit limit, which is perfect for first-timers while they learn how to manage credit. The credit limit is reviewed annually as the member builds a positive credit history.


First-Time Car Loan
Buying a car is likely in your young adult’s future. They imagine color, style and features, but they also need to consider a low rate and an affordable monthly payment. That’s where we come in. With a job, a college degree or a parent co-signer, we can help them qualify for our lowest rates. That’s a huge benefit and a rare opportunity.


We know our kids have challenges ahead, but finding affordable financial services shouldn’t be one of them. Check out our website devoted to our young adult members for more information.


If your child or grandchild isn’t already a Pacific Service CU member, it’s the perfect holiday gift. Skip the “cash in a card” and give them financial benefits that last a lifetime.


You may also be interested in:
The “I want that!” lesson for kids
Young Adults and Money 101
Ten Ways for Young Adults to Build Credit


by Kristin, Vice President, Marketing

Nov 20


by Steve Punch

Steve Punch, President & CEO

MSN Money’s 7th annual survey lists five big banks and credit card companies in their 2013 top 10 ‘Hall of Shame.’ According to MSN Money, complaints against American Express, Discover Card, Wells Fargo, Citibank and Bank of America include misleading marketing, lawsuit settlements and “poor” ratings on credit cards and banking. Read the entire list here.


We are proud to be a local, big bank alternative. As a non-profit financial institution, our number one priority is member service. In fact, we’re so focused on member service; we send monthly surveys to members who transact with us soliciting feedback with the goal of providing an excellent service experience.


In 2013, we have achieved a member satisfaction rating of 3.86, out of a possible 4. We’re especially proud that 90% of our members would recommend Pacific Service Credit Union to a friend.


We strive to go above and beyond to demonstrate the credit union service philosophy. We think things like 4-minute loan decisions, next day loan documents and a real person answering the phone within 30 seconds sets us apart from the competition. We hope you do too.


If you have feedback for our service team, email us anytime at service@pacificservice.org. We respond to every email. That’s part of the reason that service is our middle name.

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