University & State Employees

Headquarters

10120 Pacific Heights Blvd Ste 100,
San Diego, CA 92121
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.75% 0.70% →
2-Year CD 0.85% 0.75% →
5-Year CD 1.30% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

University & State Employees is an NCUA insured institution located in San Diego, CA. It was founded in 1936 and has approximately $1241.99 millions in assets.

Who can join?

You are eligible for USE Credit Union membership if you fall within one of the following groups at the time you join the credit union:

You live, work, or worship in the California counties of Alameda, Sacramento, San Diego, Santa Clara, or Yolo

Employees of the State of California, including all administrative offices of the State

Employees, students or Alumni of the University of California and California University system

Retired employees of the State of California or University of California System

Employees and/or members of a Select Employee Group (SEG)

Immediate family members and cohabitants of USE Credit Union members

NCUA Insured Yes / State-Chartered
Charter Number # # 60801
Date Established 1936
Assets $1,241.99 million
Loans $680.97 million
Deposits $1,088.77 million
Capital $103.54 million
 

Field of Membership Restrictions

Membership in USE Credit Union is open to the following: (1) those who live, work, or worship in Alameda, Sacramento, San Diego, Santa Clara, or Yolo Counties in California; (2) employees or retirees of the State of California; (3) employees, retirees, students or Alumni of the University of California and California State University system.

Deposit Rates - September 16, 2021

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.75% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
30 Mo CD
1.05% $10,000 $14,999 Learn More
30 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.10% $10,000 $14,999 Learn More
36 Mo CD
1.10% $100,000 $199,999 Learn More
48 Mo CD
1.10% $10,000 $14,999 Learn More
48 Mo CD
1.10% $100,000 $199,999 Learn More
60 Mo CD
1.30% $10,000 $14,999 Learn More
60 Mo CD
1.30% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 16, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for UNIVERSITY & STATE EMPLOYEES

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PADDIO
NMLS ID: 1907
2.798% 2.750% -0.38 $1,562 $1,021 Learn More
PADDIO
NMLS ID: 1907
2.798% 2.750% -0.38 $1,562 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to UNIVERSITY & STATE EMPLOYEES
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are University & State Employees branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


University & State Employees Locations


Financial Details

University & State Employees Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of University & State Employees. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
University & State Employees U.S. Average
3.12% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, University & State Employees had $3,365,706 in non-current loans and $18,171 in owned assets. To cover these potential losses it had $103,536,572 in net worth and $4,985,251 in loans loss reserves. That gives it a Texas Ratio of 3.12%.

Net Worth
University & State Employees U.S. Average
8.33% 12.20%

University & State Employees FCU has a net worth of 8.33% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About University & State Employees

Branches and Savings

What is University & State Employees?

A credit union, registered with the NCUA under certificate #60801.
Learn more about credit unions here.

Is University & State Employees FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. University & State Employees is insured by the NCUA.

Who can join University & State Employees?

Please see Field of Membership information above for information on who is eligible to join.

What are University & State Employees's share account and share certificate rates?

University & State Employees's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is University & State Employees?

University & State Employees has total capital of $103.54 million. Full information on University & State Employees's financial position is located above.

Who owns University & State Employees?

Credit Unions are owned by their members.

Where are University & State Employees branches located?

See branch locations nearby.

Are University & State Employees ATMs Open 24/7?

Do University & State Employees ATMs accept cash deposits?

Can University & State Employees customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does University & State Employees have a mobile app?

Does University & State Employees have mobile deposit?

Does University & State Employees have quick pay?

How can University & State Employees transfer money to other banks or credit unions?

Does University & State Employees report to credit bureaus?

Does University & State Employees use Chexsystems?

Does University & State Employees use Equifax?

What is University & State Employees's toll free phone number?

What is University & State Employees's ACH Routing Number?

What is University & State Employees's SWIFT code?

Where can I find University & State Employees's wire transfer form?

What is the University & State Employees address for deposits?

What Products Does University & State Employees Offer

Does University & State Employees offer mortgages?

Compare mortgage rates here.

Does University & State Employees offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does University & State Employees offer auto and RV loans?

Compare auto loan rates here.

Does University & State Employees offer student loans or personal loans?

Compare personal loan rates here.

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