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U.S.B. Employees Federal Credit Union is a member-owned, not-for-profit financial institution serving USB employees with NCUA-insured accounts and services.
Data compiled from public sources
B. B. and their families.
As a member-owned, not-for-profit institution, it operates under the regulatory oversight of the National Credit Union Administration (NCUA), distinguishing it from for-profit banks. The credit union is headquartered in Wilmington, California, operating from their main branch location at 300 Falcon Street. Credit unions in this category typically provide share accounts, share certificates, personal loans, and other member services at rate claims to verify.
, which is common for employer-sponsored credit unions. USB EFCU's distinction as a federal credit union means members' accounts are insured up to $250,000 per account category by the NCUA, providing the same deposit protection as FDIC-insured banks. The member-owned structure ensures that any profits are returned to members through better rates and lower fees rather than distributed to external shareholders.
The Wilmington, California location provides in-person banking services for local members. The primary limitation in evaluating this profile is the minimal publicly available information on the website. Prospective members would need to contact the credit union directly at (310) 830-0161 to learn about specific products, rates, membership eligibility requirements, and hours of operation.
The website does not detail whether they offer personal loans, payday alternative loans, or other listed services that many credit unions provide.
This is state-level context for Credit Unions consumers in Wilmington, CA. It does not confirm that U.S.B. Employees or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
U.S.B. Employees offers 6 services including Share accounts (member deposits), Share certificates (certificate of deposit equivalents), Member account insurance via NCUA, In-person banking at Wilmington branch location, Phone-based customer service, and 1 more.
U.S.B. Employees has profile signals associated with U.S.B. employees seeking NCUA-insured deposit and savings accounts, Current or former U.S.B. employees who meet membership eligibility requirements, Members prioritizing not-for-profit, member-owned financial institutions over commercial banks.
Key strengths: NCUA-insured deposits up to $250,000 per account category, providing federal insurance protection; Member-owned, not-for-profit structure means earnings returned to members via better rates and lower fees; Federal credit union status with regulatory oversight ensuring consumer-protection context. Areas to consider: Minimal online presence and website provides almost no information about services, rates, or products offered; Membership appears restricted to U.S.B. employees and potentially their families—not open to general public.
In the Credit Unions category, comparable providers include CommonWealth Central Credit Union, Los Angeles Federal Credit Union, San Francisco Federal Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
U.S.B. Employees Federal Credit Union is profile signals for current or eligible U.S.B. employees seeking NCUA-insured savings and checking accounts with member-focused rates. The main caveat is severely limited public information—prospective members must call (310) 830-0161 directly to confirm membership eligibility, available services, rates, and hours of operation.
CommonWealth Central Credit Union is a federally-insured credit union offering online banking, loans, and member services through multiple locations.
Google rating from 107 reviews
Profile signals: Local community members with access to CommonWealth Central Credit Union branches, Consumers seeking lower-cost banking alternatives through credit union membership
Los Angeles Federal Credit Union is a member-owned financial cooperative offering banking, lending, and investment services to the LA area since 1936.
Google rating from 182 reviews
Profile signals: Los Angeles-area residents eligible for credit union membership seeking rate claims to verify on vehicle and home loans, Members interested in community-focused banking with reinvestment in local programs and scholarships
San Francisco Federal Credit Union is a membership-based credit union serving the Bay Area with six branch locations, offering checking, savings, loans, and mortgages to residents and employees of San Francisco and San Mateo counties.
Google rating from 1,077 reviews
Profile signals: Bay Area residents and employees seeking low-cost, community-focused banking with competitive auto and mortgage rates, Individuals living or working in San Francisco or San Mateo counties interested in credit union membership benefits and personal service
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