Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
P.O. Box 1179
Klamath Falls, OR 97601

Pacific Crest Federal Credit Union is headquartered in Klamath Falls and is the 21st largest credit union in the state of Oregon. It is also the 1,143rd largest credit union in the nation. It was established in 1936 and as of December of 2013, it had grown to 55 employees and 15,136 members. Pacific Crest Federal Credit Union has a A health rating.

Field of Membership Restrictions

Membership is available to anyone who lives, works, worships or attends school in Klamath, Lake, Modoc, and northeast Siskiyou Counties, and makes an initial deposit of $10. - See Details

Related Posts

Reviews (1)

Customer Service Is What It Is All About.

I have been banking with Pacific Crest for more than twenty years. During that time I have watched their products and services evolve on pace with customer demand. Throughout the years I have also dealt on and off with other banks in Klamath Falls. After experiencing products and service from many different providers I have found the difference: customer service.

When I say “customer service” I do not mean availability. Pacific Crest has the same online, mobile banking, and customizable features as anyone else in the game. When I say customer service I mean the difference between an institution that tells you “This is how we do it”, and Pacific Crest, who asks “How can we do it for you?” Pacific Crest understands customer service, and it shows. Do not be a banking customer of an institution; bank with Pacific Crest, and be a member.


Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Pacific Crest Federal Credit Union had $825,000 in non-current loans and owned real-estate with $13.24 million in equity and loan loss allowances on hand to cover it. This gives Pacific Crest Federal Credit Union a Texas Ratio of 6.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pacific Crest Federal Credit Union decreased dramatically from 9.98% as of December 31, 2012 to 6.23% as of December 31, 2013, resulting in a positive change of 37.58%.This indicates that the balance sheet and financial strength for Pacific Crest Federal Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Pacific Crest Federal Credit Union has increased its total deposits by $2.72 million, resulting in 2.08% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pacific Crest Federal Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pacific Crest Federal Credit Union has $146.96 million in assets with $13.24 million in equity, resulting in a capitalization level of 9.01%, which is average.

Institution Statistics

NCUA #960
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$146.96 million
Loans$85.75 million
Deposits$133.63 million
Equity Capital$12.60 million
Loan Loss Allowance$646,000
Unbacked Noncurrent Loans$514,000
Real Estate Owned$311,000
Historic Data - December 2012
Assets$143.87 million
Equity Capital$12.27 million
Loan Loss Allowance$775,000
Unbacked Noncurrent Loans$514,000
Real Estate Owned$419,000
Profit Margin - Quarterly
Net Interest Margin5.29%
Return on Assets0.24%
Return on Equity2.84%
Interest Income$5.16 million

Always verify rates and promotions with the bank or credit union. We are not Pacific Crest Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pacific Crest Federal Credit Union Savings Account Rates

0.05%$100-Secondary Savings
0.05%--Pacific Crest Trailblazers
0.05%--Pacific Crest Pathfinders
0.05%--Pacific Crest Passageways
0.05%--Special Purposes
0.05%--CESA Savings
0.05%--Traditional IRA Savings
0.05%--Roth IRA Savings
0.05%--SEP IRA Savings
0.05%--Roth Conversion IRA Savings
0.05%$100-Regular Share Savings

Pacific Crest Federal Credit Union Money Market Rates

0.12%$50k-Money Market Share

Pacific Crest Federal Credit Union Checking Account Rates

0.15%-$25kCrest Rewards
0.05%$2k-Crest Custom Checking
0.00%--Crest Rewards

Pacific Crest Federal Credit Union CD Rates

0.95%$10k-60 Month CD
0.60%$10k-48 Month CD
0.50%$10k-36 Month CD
0.30%$10k-24 Month CD
0.15%$10k-12 Month CD
0.15%$100-Easy Saver 12 Month CD
0.15%$100-MSA 12 Month CD
0.15%$1k-18 Month CD
0.10%$10k-6 Month CD

Pacific Crest Federal Credit Union IRA Rates

0.95%$10k-60 Month IRA (Traditional,CESA,SEP,Roth)
0.60%$10k-48 Month IRA (Traditional,CESA,SEP,Roth)
0.50%$10k-36 Month IRA (Traditional,CESA,SEP,Roth)
0.30%$10k-24 Month IRA (Traditional,CESA,SEP,Roth)
0.15%$10k-12 Month IRA (Traditional,CESA,SEP,Roth)
0.15%$1k-18 Month IRA (Traditional,CESA,SEP,Roth)
0.10%$10k-6 Month IRA (Traditional,Roth,SEP,CESA)

Pacific Crest Federal Credit Union Locations
Branch Office398 Main STTulelake, CA 96134
Branch Office201 W Third StreetDorris, CA 96023
Branch Office6450 Galpin LnKlamath Falls, OR 97603-2900
Branch Office123 N G StLakeview, OR 97630
Branch Office2972 Washburn WayKlamath Falls, OR 97603