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Credit unions nationwide are working together to help the victims of Hurricane Harvey and related flooding. CSFECU will match the first $5,000 in donations made by our members. Click the link to donate today.  

Access your money nationwide…for free

CO-OP ATMsDid you know as a CSFECU member you have FREE access to more than 30,000 ATMs nationwide? Free. Nada. Zip. No surcharges. That’s more than the major banks! And do more than just get cash…you can make balance inquiries, transfers, and deposits!*

We have 24 locations in Humboldt county alone. Just visit or download the CO-OP ATM Locator app to search for an ATM near you.

*See for locations.

The best things in life are free…like our FREE checking, for instance!

If the best things in life are free, how do you pay for everything else? Well, it helps to have a checking account. But checking accounts can cost a lot of money, right?

Not at CSFECU! Effective immediately, our old monthly fee has been eliminated and CSFECU Checking is now completely FREE!

“Free,” you say, “but what can it do?”

Well, pretty much everything you need or want from a checking account…free or otherwise.


5-Star CSFECU Once Again a Top Performer

May 2017: California State & Fed Emp #20 Credit Union, Eureka, California proudly announces it is once again a top performer, earning a coveted 5-Star rating from BauerFinancial, the Nation’s Premier Bank and Credit Union Rating Firm. (A five-star rating indicates that this institution excels in areas of capital adequacy, profitability, asset quality and much more.) California State & Fed Emp #20 Credit Union has earned this top honor for 28 consecutive quarters.

“California State & Fed Emp #20 Credit Union is a prime example of a credit union excelling at what it was created to do,” explains Karen L. Dorway, president of BauerFinancial. “Its common bond and mutual ownership give its employees and members the same personal investment in the credit union. It makes decisions locally, often for neighbors and friends; and it focuses on quality as opposed to quantity. That focus has paid off for both California State & Fed Emp #20 Credit Union and its membership.”

California State & Fed Emp #20 Credit Union, also known as CSFECU, was established in 1951 and has been providing quality banking services to its neighbors and friends ever since. Today, after 66 years, it operates through a conveniently located office on Wabash Avenue in Eureka and can also be found on the web at

California State & Federal Employees #20 Credit Union: “Your 5-Star Credit Union”

Member of the NCUA and an Equal Housing Lender.

BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution can pay for or opt out of a BauerFinancial rating. Star-ratings are all available for free at


BauerFinancial, Inc. P.O. Box 143520, Coral Gables, FL 33114.


CSFECU vaults up rankings!

Top 200 healthiest credit unions logoAnother year of strong results has vaulted California State & Federal Employees Credit Union 42 spots higher to 75th place—moving us into the top 1.3% among credit unions nationwide in rankings compiled by, an unbiased, comprehensive financial institution ranking website. Building on an impressive showing last year, CSFECU’s performance puts us among the most elite of the 5,906 credit unions ranked this year, using criteria that takes into account financial stability, financial and membership growth and capitalization.

“This is amazing and gratifying, to improve so much by serving our members,” said CSFECU CEO Ray Litchfield. “We knew with last year’s ranking we were on the right track, and with the improvement this year it proves that our approach is working for our members. It’s a daily process of evaluating what we can do better, whether through innovative electronic services, improving our rates for savers and borrowers…or making sure we know the name of every member who walks through the door. We’re all about meeting the needs of our members, and these rock-solid results show that it’s resonating with our community.”

Each year, the largest online publication in the U.S. dedicated to banking information for consumers, evaluates the financial health of every federally insured credit union in the U.S. Each institution is graded on a number of factors, including capitalization, deposit growth, and loan to reserve ratios, in order to determine a comprehensive health score.

From the list of 5,906 credit unions, recognizes those who have shown exceptional fiduciary responsibility in its 2016 edition of the Top 200 Healthiest Credit Unions in America. Especially highly rated were the credit union’s Texas Ratio and Capitalization.

The Texas Ratio is an indicator of how much capital a credit union or bank has available compared to the total value of loans considered at risk. CSFECU’s Texas Ratio was calculated at 0.18%, rated as A+ and a significant improvement from last year’s then-excellent ratio.

The credit union’s Capitalization level of 13.95% also netted them an A+ score. Both FDIC and NCUA consider capitalization levels of credit unions and banks to be of high importance.  Higher capitalization allows for a greater buffer to cover loans that may fail in the future.

Also of note was the credit union’s deposit growth, which showed a 3.75% increase for the year, similar growth to last year.

California State and Federal Employees Credit Union serves more than 5,300 members in Humboldt, Del Norte or Trinity counties. Membership is open to a wide range of groups, including current or retired federal or state employees, Humboldt University students, staff and alumni, current or retired members of the US Armed Forces and more. For more information, visit

Don’t move—improve!

With the cost of real estate these days, moving can be prohibitively expensive. But does that mean you need to settle for an old kitchen, dated bathroom or too-few bedrooms?

Not at all! Rather than moving, more and more people are choosing to improve the home they currently own. And a CSFECU Home Equity Loan or Home Equity Line of Credit can help make that improvement a reality.

Our fixed term, fixed-rate Home Equity Loans have terms from 5 to 15 years, so whether the project is large or larger, you can be comfortable knowing exactly how much you’ll be paying each month in principal and interest. Perfect when you know exactly how much your project will cost.

A Home Equity Line of Credit is a versatile option, with variable rate and flexible draw amounts and timeframes, so you borrow just what you need at any given time and pay interest on only the outstanding balance.

CSFECU Home Equity Loans and Lines of Credit are priced competitively, and come with the personal service you expect from us. Call or visit us today!

CSFECU Visa: Everything you need in a credit card

The reasons people use credit cards are as many and varied as the people who use them. For convenience, budget flexibility, emergency, purchase security, to build credit. Whatever your reason for wanting a credit card, we have a credit card for you.

Every CSFECU Visa® card includes:

  • Low rate
  • No annual fee
  • No cash-advance fee
  • 25-day grace period on purchases
  • Emergency card replacement and emergency cash
  • Lost or stolen card reporting
  • No balance transfer fee

Visa Classic offers a credit line up to $15,000 to cover your budget needs or unexpected purchase. It’s perfect for travel, too!

Share Secured Visa is a great way to build or rebuild your credit. Your credit limit is equal to your CSFECU savings account balance, up to a maximum of $15,000. It offers all the convenience of Visa Classic, but is easier to receive approval for and your payment history helps build your credit score.

Call or visit today to learn more.

Maximize your tax refund

April is the month when Americans get one of two bits of news. We write a check to pay our taxes, or we get a check written to us in the form of a tax refund. If you’re one of the nearly 80% of Americans who receive a refund on your federal income taxes, congratulations! Now, what to do with the unexpected windfall?

Start or increase your emergency fund

It’s not sexy, it’s not glamorous, but an emergency fund is essential. The days of working 40 years for the same company are behind us, so an emergency fund is a vital tool to manage a job loss or to cover an unexpected medical or home expense.

Pay off high-interest debt

Maybe you didn’t have an emergency fund when you needed it…and you had to finance day-to-day living on high-interest loans or credit cards. Use your tax refund to pay down or pay off that debt. Dollars used today to pay down high-interest debt can save you thousands of dollars in the future.

Start or increase your retirement fund

Every day, you are inching closer to retirement. So, what’s your plan? If the answer is “Social Security,” or, “Not sure,” well, put your refund to work on a retirement fund. At CSFECU, Roth or Traditional IRA Certificates can be opened with as little as $100.

Save for something

Seeing a pattern here? Deferred gratification. Put some of your tax refund away for that new car, new computer, self-improvement classes…

Do something for yourself

We aren’t heartless! Yes, if all the basics are covered, take some of your refund and do something for yourself, for today.

Happy tax day!

Online Banking look to be updated!

On February 8, the user experience of our Online Banking will be updated.

Below highlights some of the changes you can expect to see. If you have any questions or need help, by all means give us a call!

New Header Graphics

New graphics will appear in the upper right corner on every page: new-ux-4-icons

Use the new-ux-messagesto access Secure Messages. The red dot indicates the number of unread messages in your Inbox.

Use the new-ux-lockto make changes to your Logon ID, Security Code, Challenge Questions or Security Phrase.

Use the new-ux-gearsto access Preferences, make changes to your demographic information or manage your Accounts

New Title Look


Enhanced History Page



Use thenew-ux-gears icon at the top of the page to access Preferences. The Preferences page has various options that can be set to customize your defaults. Below are some additional preferences that have been added with this new look.


In short, a credit union is a cooperative financial institution where people work together to make everyone’s lives better. Everyone who has an account here is a member. And every member is an owner.

Rather than making profits to send to far-off shareholders, Compass CCU reinvests in our credit union. Which means we reinvest in YOU. That’s why we say that, at Compass Community Credit Union, we guide you to better banking.