UNIVERSITY & STATE EMPLOYEES

10120 Pacific Heights Blvd ste 100,
San Diego, CA 92121

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60801
Date Established 1936
Assets $997.71 million
Loans $746.83 million
Deposits $846.57 million
Capital $95.74 million

University & State Employees is an NCUA insured institution located in San Diego, CA. It was founded in 1936 and has approximately $997.71 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

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 24, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $1 $14,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
0.40% $5 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $10,000 - Learn MoreShow Less
6 Mo CD
0.55% $10,000 - Learn MoreShow Less
12 Mo CD
0.90% $10,000 - Learn MoreShow Less
18 Mo CD
0.90% $10,000 - Learn MoreShow Less
24 Mo CD
1.15% $10,000 - Learn MoreShow Less
30 Mo CD
1.15% $10,000 - Learn MoreShow Less
36 Mo CD
1.45% $10,000 - Learn MoreShow Less
48 Mo CD
1.45% $10,000 - Learn MoreShow Less
60 Mo CD
2.20% $10,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.10% $5 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $2,499 Learn MoreShow Less
Int Ckg
0.05% $2,500 $9,999 Learn MoreShow Less

Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$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:
Seattle,Washington


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
3.96% 6.77

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, 2019, University & State Employees had $3,813,095 in non-current loans and $212,947 in owned assets. To cover these potential losses it had $95,739,603 in net worth and $5,874,708 in loans loss reserves. That gives it a Texas Ratio of 3.96%.

Net Worth
University & State Employees U.S. Average
9.59% 13.47%

University & State Employees FCU has a net worth of 9.59% versus the BestCashCow average of 13.47. 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 federal 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. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

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 $95.74 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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