Pacifica Federal Savings and Loan Association online banking CA 93721
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A Comprehensive Guide to Finding the Best Local Banks and Bank Accounts in Fresno, CA

How to Search and Find The Best local banks and bank account selection information in Fresno, CA

Should I bank locally?
Introduction:
When it comes to managing your finances, finding the right bank and bank account is crucial. In Fresno, California, there are numerous local banks offering a range of services tailored to meet your financial needs. However, navigating through the options and selecting the best bank and account can be a daunting task. This blog post aims to simplify the process by providing you with a step-by-step guide on how to search and find the best local banks and bank account selection information in Fresno, CA.

Research Local Banks:
To begin your search, compile a list of local banks in Fresno. You can utilize online resources such as search engines, local directories, or review platforms to identify the banks available in your area. Make sure to consider factors such as reputation, stability, customer reviews, and the range of services provided by each bank.

Determine Your Banking Needs: Determine Your Banking Needs:
Before selecting a bank, it's essential to determine your specific banking needs. Consider what services are important to you, such as checking and savings accounts, loans, credit cards, or online banking options. Assess your financial goals, lifestyle, and future plans to help narrow down the list of banks that align with your requirements.

Compare Account Types:
Once you have shortlisted a few potential banks, examine the types of accounts they offer. Common types include checking accounts, savings accounts, certificates of deposit (CDs), money market accounts, and individual retirement accounts (IRAs). Evaluate the features, fees, minimum balance requirements, interest rates, and any additional benefits or perks associated with each account type.

Assess Fees and Charges:
Bank fees can significantly impact your banking experience. Carefully review the fee structures of each bank, including monthly maintenance fees, overdraft fees, ATM fees, and transaction fees. Look for banks that offer fee waivers or reduced charges based on certain criteria, such as maintaining a minimum balance or setting up direct deposits.

Consider Convenience and Accessibility:
Accessibility is a crucial factor when choosing a local bank. Evaluate the proximity of bank branches and ATMs to your home, workplace, or other frequently visited areas. Additionally, assess the availability of online banking services, mobile apps, and customer support options. Banks with robust digital platforms can offer added convenience and flexibility for managing your finances.

Research Customer Service:
Good customer service is essential for a positive banking experience. Look for banks with a reputation for providing excellent customer support. Online reviews and ratings can offer insights into the quality of service provided by different banks. Consider reaching out to each bank with any specific questions or concerns you may have to gauge their responsiveness and willingness to assist you.

Seek Recommendations and Personal References:
Word-of-mouth recommendations can be valuable when searching for the best local bank. Talk to friends, family, or colleagues who have had positive experiences with local banks in Fresno. Personal references can provide you with real-life insights and help you make a more informed decision.

Conclusion:
Finding the best local bank and bank account in Fresno, CA, requires careful research and consideration of various factors. By following the steps outlined in this guide, you can streamline your search process and select a bank that aligns with your financial goals and preferences. Remember to evaluate the range of services, fees, convenience, customer service, and personal recommendations before making your final decision. With the right bank and account, you can confidently manage your finances and work towards your financial aspirations.

Pacifica Federal Savings and Loan Association


General Information | Financial Summary

Pacifica Federal Savings and Loan Association
2117 Merced St
Fresno, CA 93721

2117 Merced St, Fresno, CA 93721

Official website: N/A

Established in 1973-05-01, Pacifica Federal Savings and Loan Association is a , serving customers in Fresno California (CA) and many other cities.

The bank is currently closed (since 1977-05-31)

Pacifica Federal Savings and Loan Association Online Banking

Location: Fresno, California CA (County Fresno)

FDIC Certificate #: 31642

FDIC Geographic Region: San Francisco - Alaska, American Samoa, Arizona, California, Federated States Of Micronesia, Guam, Hawaii, Idaho, Montana, Nevada, Oregon, Utah, Washington, Wyoming

Chartering Agency: OTS - Chartering authority for nationally chartered commercial banks Office of Thrift Supervision

OCC Charter Number: N/A

OTS Docket Number (assigned by federal housing finance board - FHFB): 7293

Core Based Statistical Area (CBSA): (CBSA#)

Consolidated Metropolitan Statistical Area (CMSA): N/A

Combined Statistical Area (CSA): N/A

Metropolitan Statistical Area (MSA): Fresno, CA - MSA#2840

Office of the Comptroller: West - Alaska, American Samoa, Arizona, California, Colorado, Federated States Of Micronesia, Guam, Hawaii, Idaho, Iowa, Kansas, Missouri, Montana, Nebraska, Nevada, New Mexico, Oregon, Utah, Washington, Wyoming

Office of Thrift Supervision (OTS) Region: Western

Pacifica Federal Savings and Loan Association Online Banking

Pacifica Federal Savings and Loan Association is

  • being operated in government conservatorship
  • an FDIC Insured member
  • a SAIF Insured member
  • a member of Insured Savings Institution

Insurance Fund Membership: Savings Association Insurance Fund (SAIF)

Number of Domestic Offices: 0

Number of Foreign Offices: 0

Regulator: Office of Thrift Supervision (OTS)

Trust Powers: N/A

Data by FIDC (The Federal Deposit Insurance Corporation), last update 2023-11-24

Daily Best Banks' CD Rates

Program
Rate
Bank
1 Yr
5.36%
CIBC Bank USA: 5.36% APY, $1,000 minimum deposit
1 Yr
5.35%
Limelight Bank: 5.35% APY, $1,000 minimum deposit
1 Yr
5.27%
TAB Bank: 5.27% APY, $1,000 minimum deposit
1 Yr
5.26%
First Internet Bank of Indiana: 5.26% APY, $1,000 minimum deposit
1 Yr
5.25%
Bread Savings: 5.25% APY, $1,500 minimum deposit
1 Yr
5.20%
Bask Bank: 5.20% APY, $1,000 minimum deposit
1 Yr
5.15%
LendingClub Bank: 5.15% APY, $2,500 minimum deposit
1 Yr
5.15%
Popular Direct: 5.15% APY, $10,000 minimum deposit
1 Yr
5.00%
Barclays Bank: 5.00% APY, $0 minimum deposit

*CD Rates are subject to change without notice and may vary from bank to bank and branch to branch. Please contact your local bank for updated bank CD rates.