University & State Employees Credit Union

Headquarters

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

Notable Rates APY Vs.Others
Savings 0.10% 1.65% →
1-Year CD 0.75% 2.02% →
2-Year CD 0.85% 3.00% →
5-Year CD 1.30% 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 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 $1264.44 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 $1,264.44 million
Loans $751.29 million
Deposits $1,142.13 million
Capital $104.50 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 - June 27, 2022

Your Current Location: Connecticut, CT 06828

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 - June 27, 2022

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
5.492% 5.375% 0.88 $3,275 $1,400 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More

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:
Fairfield,Connecticut


University & State Employees Locations



Climate Initiatives

UNIVERSITY & STATE EMPLOYEES is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
0.51% 4.85

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 December 31, 2021, University & State Employees had $510,191 in non-current loans and $47,066 in owned assets. To cover these potential losses it had $104,497,678 in net worth and $4,330,929 in loans loss reserves. That gives it a Texas Ratio of 0.51%.

Net Worth
University & State Employees U.S. Average
8.26% 12.36%

University & State Employees FCU has a net worth of 8.26% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for UNIVERSITY & STATE EMPLOYEES

There are currently no comments for UNIVERSITY & STATE EMPLOYEES. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →