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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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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.

Nov 5



A skimming device is a tool illegally affixed to a legitimate ATM or other automated point-of-sale machine to assist criminals in committing fraud. The device picks up ATM or debit card information when your card is swiped. A miniature camera sometimes used with the device to record the PIN of users. By copying the data onto blank cards and using an acquired PIN, fraudsters can access your money.


ATM skimming is a sophisticated crime. The devices used to commit fraud are complex and difficult to detect. At the same time, ATMs are well equipped with security measures to detect unauthorized activity. Additionally, our branch staff has procedures in place to prevent our ATMs from being compromised and processes to ensure any tampering is immediately detected. We have had some members fall victim to these devices at gas stations, restaurants or other self-service point-of-sale machines. As always, we feel that awareness is the best way to prevent any type of fraud.


Here’s how to protect yourself from fraud associated with skimming devices:


Physical protection
The simplest and most effective way to protect your card and PIN is to cover the keypad from view when you enter your PIN. Developing this simple habit can prevent thieves from accessing your money, regardless of whether they’ve skimmed your card.


Be aware
Take caution if you notice inconsistencies in your ATM experience. Some fraud artists are now using cell phone cameras to film videos of PINs being entered while standing behind users at ATMs.


If you’ve used an ATM in the past and you remember it being a motorized ATM (one that takes and holds your card during your transaction) and now it’s a “dip” ATM (one that you simply dip in and pull your card out), take caution. A skimming device may be attached.


Similarly, if the card swipe doesn’t match the color or style of the ATM machine, it might be a skimmer. Compare the card device to others at nearby ATMs or gas pumps. Gas stations that ask for your zip code instead of your PIN may be a safer option.


Above all, trust your instincts. If you suspect foul play, or if you’re in doubt about the authenticity of a machine, use a different machine or payment method.


Transaction alerts
Transaction alerts keep you informed of account activity. When a transaction occurs on your account, you’ll receive a courtesy email. If the transaction wasn’t yours, contact us immediately. An immediate response to suspected fraud is the best way to protect your money. We can shut down your card to protect your funds and send you a new card or issue you a new card at a branch. These simple alerts can be set and managed under the “Manage Profile” tab in BranchLine online banking.


If you suspect that you could have been a victim of ATM skimming or any fraudulent activity, call us at (888) 858-6878 as soon as possible. We can offer additional layers of protection on your account.

by Michelle, AVP, Operations

Oct 29


by Steve Punch

2005 Crow Canyon Place

I’m pleased to report we have opened a new branch in San Ramon. The new location is in the Magnolia Square shopping center at 2005 Crow Canyon Place, between See’s Candies and Starbucks.


When beginning our search for a new branch location, San Ramon was our top choice for three reasons. First, our high concentration of existing members in the area will benefit from this new, centralized location. Second, many of our long-time PG&E members are being relocated to new facilities in the area and we want to continue to serve them with the same convenience level they have experienced over the years. Finally, we want to offer our time- and money-saving products and services to the local residents and businesses.


Stop by anytime to say hello and check us out.  Or, tell a friend we’re in the neighborhood and ready to serve.


We look forward to serving you in our San Ramon branch.


by Steve, President & CEO


Oct 22


As part of our ongoing commitment to informing and protecting members, we post details about current scams and provide tips on how to protect your personal information and accounts.


Lottery and sweepstakes scams continue to affect consumers worldwide. In fact, the Federal Trade Commission (FTC) listed this type of fraud as the fourth largest complaint category in 2012, with nearly 100,000 filed complaints.


Last month, the FTC and a federal court stopped a massive sweepstakes scam that amounts to an estimated $11 million in fraud.


Here’s how the scams work:


Intended victims receive letters in the mail telling them they’ve won large amounts of money. All they have to do to receive the money is mail in a small fee, typically $20-$50, right away. The letters appear very official, including stamps, seals, bar codes and financial routing numbers. Targeted victims are often older individuals who are very trusting.


To protect yourself from these types of scams, remember that legitimate sweepstakes do not require you to pay any money to receive a prize. You should never disclose your personal information, including checking account numbers, debit card numbers or credit card numbers to unknown people over the phone, online or by mail.


If you suspect you have been a victim of fraud, or that your account has been compromised, immediately call a member service representative at (888) 858-6878. The sooner we know about fraud attempts, the sooner we can act to protect you. We can cancel compromised cards, change your account number, or add a password to your account for future transactions.

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