Pacific Marine Credit Union

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Review based on 12 criteria Rating: 3.5 out of 5

1278 Rocky Point Dr, Oceanside, CA 92056

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Pacific Marine Credit Union was founded in 1952. Headquartered in Oceanside, California, Pacific Marine Credit Union is a state chartered and federally insured credit union, being chartered in California and insured through the National Credit Union Share Insurance Fund (NCUSIF). Pacific Marine Credit Union is also a member of the , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Pacific Marine Credit Union services 80,581 members through its 11 offices and branches and 219 full-time and 24 part-time employees. It has $756,221,835 of total assets and $109,017,237 of net worth. Based on its asset size and net worth ratio, Pacific Marine Credit Union is classified as a Well Capitalized large credit union.

Pacific Marine Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Pacific Marine Credit Union also provides an array of services to its members and local communities. Pacific Marine Credit Union plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Pacific Marine Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in California and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of California
Median of USA
Checking
0.2000
0.0000
0.0000
Savings
0.1500
0.1000
0.1200
Money Market
0.3000
0.1900
0.2500
Certificate Deplit
0.3500
0.5500
0.5800
IRA
2.0000
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of California
National Median Rates
Credit Cards
9.5000
10.0400
9.9900
Unsecured Line of Credits
10.0000
10.9900
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
n/a
5.7500
6.0200
New Car Loans
2.5000
3.0000
3.3300
Used Car Loans
2.5000
3.7400
4.5000
1st Mortgage Real Estates
4.3800
4.0300
4.2500
Other Real Estates
3.5000
4.7400
4.7000

Pacific Marine Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Pacific Marine Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
No
New Share Account
Yes
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
Yes
View Account History
Yes
Yes

As a community financial institution, Pacific Marine Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
No
Insurance/Investment Sales
Yes
First Time Homebuyer Program
No
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  1. dizhome.ru Staff
    dizhome.ru Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:23 pm

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