Pacific Crest Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.mypcfcu.org

800-570-0265

2972 Washburn Way
Klamath Falls, OR 97603

Pacific Crest Federal Credit Union is headquartered in Klamath Falls and is the 16^th largest credit union in the state of Oregon. It is also the 920^th largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 91 employees and 25,099 members at 7 locations. Pacific Crest Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Pacific Crest Credit Union is open to those who live, work, worship, or attend school in the Oregon counties of Klamath or Lake, or the northern California counties of Modoc or Siskiyou (northeast portion). Family members of those eligible to join are also membership-eligible.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	960
Year Chartered	1936
Employees	91
Primary Regulator

Profit Margin
Return on Assets - YTD	0.87%
Return on Equity - YTD	8.68%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$361.5MM$337.9MM
Loans	Q1 2025vs Q1 2024	$234.6MM$214MM
Deposits	Q1 2025vs Q1 2024	$323.4MM$303.8MM
Equity Capital	Q1 2025vs Q1 2024	$35.7MM$31MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.9MM$1.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.4MM$1.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Pacific Crest Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.01%^*	$5	$2k	Pathfinder Savings
OTHER TIERS: 0.02% → $2k+
1.00%	$5	-	Annual Savings
0.50%	$10	-	CESA Savings
0.02%	$5	-	Additional Savings
0.02%	$5	-	Membership Share Savings
0.02%	$10	-	Health Savings Account
0.02%	$5	-	Business Membership Savings

Pacific Crest Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.20%^*	$200k^*	-	Money Market Share
OTHER TIERS: 0.70% → $1k - $10k \| 0.80% → $10k - $25k \| 0.90% → $25k - $50k \| 1.00% → $50k - $100k \| 1.10% → $100k - $200k
1.00%^*	$200k^*	-	Business Money Market Share
OTHER TIERS: 0.50% → $1k - $10k \| 0.60% → $10k - $25k \| 0.70% → $25k - $50k \| 0.80% → $50k - $100k \| 0.90% → $100k - $200k

Pacific Crest Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
7.00%^*	$0	$10k	Rewards Checking - Qualifying
OTHER TIERS: 0.02% → $10k+
1.00%^*	$0	$1k	Pathfinder Checking
OTHER TIERS: 0.02% → $1k+
0.02%	$20k	-	Business Checking
0.02%	$20k	-	Cash Intensive Checking

Pacific Crest Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
5.00%^*	$100^*	$5k	12 Month Pathfinder CD
OTHER TIERS: 0.05% → $5k+
3.97%	$2k	-	36 Month Indexed CD
3.45%	$2k	$1m	24 Month Index CD
2.94%	$1.5k	$1m	18 Month Index CD
2.43%	$1k	$1m	12 Month Index CD
2.00%^*	$200k^*	-	60 Month CD
OTHER TIERS: 1.50% → $1k - $10k \| 1.60% → $10k - $25k \| 1.70% → $25k - $50k \| 1.80% → $50k - $100k \| 1.90% → $100k - $200k
1.90%^*	$200k^*	-	48 Month CD
OTHER TIERS: 1.40% → $1k - $10k \| 1.50% → $10k - $25k \| 1.60% → $25k - $50k \| 1.70% → $50k - $100k \| 1.80% → $100k - $200k
1.80%^*	$200k^*	-	36 Month CD
OTHER TIERS: 1.30% → $1k - $10k \| 1.40% → $10k - $25k \| 1.50% → $25k - $50k \| 1.60% → $50k - $100k \| 1.70% → $100k - $200k
1.70%^*	$50k^*	$100k	24 Month CD
OTHER TIERS: 1.20% → $1k - $10k \| 1.30% → $10k - $25k \| 1.40% → $25k - $50k \| 1.50% → $200k+ \| 1.60% → $100k - $200k
1.25%^*	$200k^*	-	18 Month CD
OTHER TIERS: 0.75% → $1k - $10k \| 0.85% → $10k - $25k \| 0.95% → $25k - $50k \| 1.05% → $50k - $100k \| 1.15% → $100k - $200k
1.15%^*	$200k^*	-	12 Month CD
OTHER TIERS: 0.65% → $1k - $10k \| 0.75% → $10k - $25k \| 0.85% → $25k - $50k \| 0.95% → $50k - $100k \| 1.05% → $100k - $200k

Pacific Crest Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%^*	$200k^*	-	60 Month IRA
OTHER TIERS: 4.25% → $1k - $10k \| 4.30% → $10k - $25k \| 4.35% → $25k - $50k \| 4.40% → $50k - $100k \| 4.45% → $100k - $200k
4.00%^*	$200k^*	-	48 Month IRA
OTHER TIERS: 3.75% → $1k - $10k \| 3.80% → $10k - $25k \| 3.85% → $25k - $50k \| 3.90% → $50k - $100k \| 3.95% → $100k - $200k
3.50%^*	$200k^*	-	36 Month IRA
OTHER TIERS: 3.25% → $1k - $10k \| 3.30% → $10k - $25k \| 3.35% → $25k - $50k \| 3.40% → $50k - $100k \| 3.45% → $100k - $200k
3.00%^*	$200k^*	-	24 Month IRA
OTHER TIERS: 2.75% → $1k - $10k \| 2.80% → $10k - $25k \| 2.85% → $25k - $50k \| 2.90% → $50k - $100k \| 2.95% → $100k - $200k
2.00%^*	$200k^*	-	12 Month IRA
OTHER TIERS: 1.75% → $1k - $10k \| 1.80% → $10k - $25k \| 1.85% → $25k - $50k \| 1.90% → $50k - $100k \| 1.95% → $100k - $200k
2.00%^*	$200k^*	-	18 Month IRA
OTHER TIERS: 1.75% → $1k - $10k \| 1.80% → $10k - $25k \| 1.85% → $25k - $50k \| 1.90% → $50k - $100k \| 1.95% → $100k - $200k
1.50%^*	$200k^*	-	6 Month IRA
OTHER TIERS: 1.00% → $1k - $10k \| 1.10% → $10k - $25k \| 1.20% → $25k - $50k \| 1.30% → $50k - $100k \| 1.40% → $100k - $200k
0.50%	$10	-	IRA Savings

Locations

Pacific Crest Federal Credit Union Locations
Branch Office	6450 Galpin Ln	Klamath Falls, OR 97603-2900
Branch Office	123 N G St	Lakeview, OR 97630
Branch Office	2972 Washburn Way	Klamath Falls, OR 97603
Branch Office	1030 N Main St Ste 101	Alturas, CA 96101-3391
Branch Office	57269 Park Rd	Christmas Valley, OR 97641
Branch Office	3737 Shasta Way Ste B	Klamath Falls, OR 97603-4982
Corporate Office	3250 Lakeport Blvd	Klamath Falls, OR 97601-1036

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