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Membership at Pacific Service Credit Union is subject to all terms, conditions, and eligibility requirements applicable to membership and account ownership. Visit the following webpages for complete membership eligibility and current rates. Some restrictions apply. Membership requires the opening of a primary savings account with a minimum balance of $5.00.

Final checking account establishment and Visa debit card are subject to approval through ChexSystems^®. Minimum age to open a checking account is 13. Members under age 18 require a joint owner 18 or older.

*Stack Checking and Stack Savings: Subject to all terms, conditions, and eligibility requirements applicable to membership and account ownership. Visit the following webpages for complete membership eligibility, product details, and current rates. Some restrictions apply. Membership requires the opening of a primary savings account with a minimum balance of $5.00. Final checking account establishment and Visa debit card are subject to approval through ChexSystems^®. Minimum age to open a checking account is 13. Members under age 18 require a joint owner 18 or older. ATM fee reimbursement limited to $3 per transaction and $15 per month. All rates, annual percentage yields (APYs), terms, and account features are accurate as of October 22, 2026, and are subject to change at any time without prior notice. Except as otherwise provided herein, the Credit Union reserves the right to change any term of the Stack Checking or savings accounts as well as termination of all such accounts. This includes, without limitation, making changes to the accounts and related benefits, fees, rates, balance and rate computation methods, as well as discontinuing or replacing such accounts and services at the Credit Union’s discretion, and making changes to further clarify the terms of products and services.

High-yield dividends: To qualify for the high-yield dividend rates associated with Stack Checking and Stack savings, the account holder must satisfy all monthly activity requirements. Dividends will not be paid retroactively for months in which monthly qualification requirements were not met. Tier 1: Requirements include receipt of one or more qualifying government or payroll direct deposits totaling at least $2,500 per calendar month and completion of at least 5 qualifying purchase transactions using a Pacific Service CU debit card and/or Pacific Service CU Visa credit card during the same calendar month. If the requirements to earn dividends are not met, dividends will be paid at the standard dividend rate in effect for the account during that month and at the applicable tier. Tier 2: Requirements include receipt of one or more qualifying government or payroll direct deposits totaling at least $5,000 per calendar month and completion of at least 10 qualifying purchase transactions using a Pacific Service CU debit card and/or Pacific Service CU Visa credit card during the same calendar month. If the requirements to earn dividends are not met, dividends will be paid at the standard dividend rate in effect for the account during that month and at the applicable tier. The applicable dividend rates and APYs paid based on meeting requirements for Tier 1 or Tier 2 are available on the website.

Only Pacific Service CU debit card and/or Pacific Service CU Visa credit card purchase transactions that have posted during the same calendar month are counted toward qualification. Transactions that are pending, canceled, reversed, disputed, or that post in a different calendar month do not count. Direct deposit transactions must also post within the applicable calendar month to qualify.

Dividend rates for Stack Checking and Stack Savings are variable and may change at any time without notice. Dividends are calculated based on the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will be compounded monthly and will be credited monthly. For these accounts, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the ending date of a dividend period, and for this example is January 31. Dividends will begin to accrue on the business day you deposit non-cash items (e.g., checks) to your account if deposited before the close of business. If you close your Stack account(s) before dividends are credited, you will not receive the accrued dividends. No minimum balance is required to earn dividends so long as the minimum requirements for high-yield rates above are met, although a minimum balance of $5.00 must be maintained in the primary savings account to retain membership. APY on Stack Checking and Stack Savings will be applied in the following month in which qualification requirements are met.

$1,000 minimum required to open account and earn dividends; $100 for members age 23 and under. Fees may reduce earnings and a penalty may be imposed for early withdrawals.

To open an IRA or ESA account or for more information, please call a member service representative at (888) 858-6878. IRA and ESA options may provide tax benefits. Contact a tax advisor for details. Fees may reduce earnings and a penalty may be imposed for early withdrawals. Additional penalties may be assessed by federal and state tax authorities under regulations governing IRAs. $500 minimum required to open an IRA certificate and earn dividends.

Rates, points and programs cannot be guaranteed and are subject to change without notice. Property insurance is required. Flood insurance may apply. No mobile homes. Quoted conforming rates are based on a loan amount of $832,750, rate and term only. Rate adjustments may apply for cash out, loans under or over $832,750, rental/vacation/second home properties or loan-to-value (LTV) over 70% of appraised value. Actual rate will be determined after receipt of application and prior to execution of final loan documents. There are no pre-payment penalties on these quotes. Representative example: Pay $5.99 per month per $1,000 borrowed at 6.000% APR for 30 years. Taxes and insurance are not included in this calculation.

^†All home equity loans and lines of credit
Annual percentage rate (APR) as of October 22, 2026. Credit limited to California properties of five acres or less and 4 units or less. An early closure fee of $100 plus actual costs will be imposed if the loan is closed within two years of opening. Property insurance is required. Flood insurance may apply. Notary and reconveyance fees are the responsibility of the borrower. All persons on the property title are required on the loan application. All loans require income verification. Member is responsible for all property insurance and taxes. Other restrictions may apply. For current information, please call a real estate representative at (888) 858-6878, ext. 5282.

Home equity loans
Rate, maximum term, and loan amount based on creditworthiness and occupancy. Rates increase by 0.25% APR for loans over $832,750.

Owner-occupied: We lend up to 90% of the appraised home value, less the first mortgage balance. Minimum loan amount is $15,000; maximum loan amount is $2,500,000. Representative example: Pay $18.87 per month per $1,000 borrowed for 60 months at 4.99% with up to 90% LTV. Payment example does not include property taxes or insurance.

Non-owner occupied: For second and investment homes, we lend up to 80% of the appraised home value, less first mortgage balance. Minimum loan amount is $15,000; maximum loan amount is $832,750. Maximum term of 15 years for second homes and 12 years for investment homes. Representative example: Pay $10.45 per month per $1,000 borrowed for 180 months at 9.49% with 80% LTV. Payment example does not include property taxes or insurance.

On the House: 7-year term; minimum loan amount is $50,000. Reference additional qualifications above for owner- and non-owner occupied properties. Representative example: Pay $14.60 per month per $1,000 borrowed for 84 months at 5.99% with 80% LTV. Payment example does not include property taxes or insurance.