University & State Employees Credit Union

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A short history of University & State Employees CU

Since its inception in 1936 the University & State Employees Credit Union has been serving its members in the San Diego, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by James Harris, the University & State Employees CU has grown its membership to over 62,049 with assets of more than $909,085,323. They have a main office and 10 branch offices. Please see the credit unions website or contact them by phone at (858) 795-6100 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in San Diego, CA.

General Information For University & State Employees CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60801
Address 10120 Pacific Heights Blvd ste 100, 
City San Diego 
State California 
Zip-Code 92121
Phone Number (858) 795-6100
Fax Number () -
Email Address: none
CEO/President James Harris
Members 62,049 
Full-Time Employees 150 
Part-Time Employees
Number of Branch Offices 10 
Total Assets 909,085,323 
Website http://www.usecu.org 

Compare University & State Employees Credit Union To Other Local Credit Unions


Credit Union Name
Branch Name
Address
Zip Code
Phone Number
ATM Access
Distance (Miles)
Mission CU Oceanside 47 Douglas Dr Ste B 92058 (858) 524-2850 No 0.87
San Diego County CU Branch 20 Point Loma 1004 Rosecrans St 92058 (877) 732-2848 No 1.69
Cabrillo CU Scripps Ranch Branch 10075 Carroll Canyon Rd 92131 (858) 547-7400 No 5.62
Point Loma CU National City Branch 3003 Highland Ave Ste C 91950 (619) 336-0300 No 6.61
California Coast CU Solar Turbine 2200 Pacific Hwy Bldg 8 92101 (619) 542-5238 No 6.67

University & State Employees Credit Union Financial Performance Charts


Performance Charts

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Financial Data


University & State Employees Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 12.90 1.79 1.79 4.38 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 452 20 12 191 100
Rank Among All California Credit Unions 106 9 6 81 24

University & State Employees Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 0.05 0.10 0.15 0.40 0.45
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 125 129 124 284 234
Rank Among All California Credit Unions 24 38 40 83 60
University & State Employees Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 12.90016,06744,344,150
All Other Unsecured Loans/Lines of Credit 16.4903,4682,754,376
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 1.7903,35073,838,601
Used Vehicle Loans 1.7909,446113,348,734
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.3801,013300,921,780
Total Other Real Estate Loans/Lines of Credit 4.0001,95672,817,078
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.9901,6072,848,959
TOTAL LOANS & LEASES 36,907610,873,678

University & State Employees Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 474150,678,31310033,643,020
    b. 15 Years or less 34345,901,670286,757,099
Balloon/Hybrid
    a. > 15 years 4833,135,2764127,908,316
    b. 15 Years or less 14571,123,969107,636,514
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 382,55200
Adjustable Rate > 1 yr 0000

OTHER REAL ESTATE

Closed-End Fixed Rate 1725,766,86610387,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1,78467,050,2122,17317,147,642
Open-End Fixed Rate 0000
TOTALS 2,969373,738,8582,36293,479,591

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 1,01946,667,74711,603,274
REVERSE MORTGAGES
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

University & State Employees Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes