Pacific Crest Federal Credit Union


Overview / Commentary
800-570-0265
2972 Washburn Way
Klamath Falls, OR 97603

Pacific Crest Federal Credit Union is headquartered in Klamath Falls and is the 19th largest credit union in the state of Oregon. It is also the 949th largest credit union in the nation. It was established in 1936 and as of March of 2024, it had grown to 78 employees and 24,106 members at 6 locations. Pacific Crest Federal Credit Union's CD rates are 4X the national average, and it has a B+ 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

Related Posts

Rewards Checking, 7% APY Up To $10,000 - 3/22/2024

The Pacific Crest FCU Rewards Checking account earns 7% APY up to $10,000 if you have at least 15 POS debit card transactions and receive eStatements. No ACH debit/credit transaction or direct deposit required.

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.



Health
B+

Health Grade Components

Overall
NCUA #960
Year Chartered1936
Employees78
Primary Regulator
Profit Margin
Return on Assets - YTD1.58%
Return on Equity - YTD17.08%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$337.9MM$338.1MM
LoansQ1 2024vs Q1 2023$214MM$206.9MM
DepositsQ1 2024vs Q1 2023$303.8MM$310.3MM
Equity CapitalQ1 2024vs Q1 2023$31MM$25.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.3MM$1.1MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$1.4MM$584K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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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 cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*$5$2kPathfinder Savings
OTHER TIERS: 0.02% $2k+
1.00%$5-Annual Savings
0.50%$10-CESA Savings
0.50%$10-IRA 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.20%*$200k*-Money Market Share
OTHER TIERS: 0.50% $1k - $10k | 0.70% $10k - $25k | 0.85% $25k - $50k | 1.00% $50k - $100k | 1.10% $100k - $200k
0.85%*$200k*-Business Money Market Share
OTHER TIERS: 0.25% $1k - $10k | 0.35% $10k - $25k | 0.50% $25k - $50k | 0.65% $50k - $100k | 0.75% $100k - $200k

Pacific Crest Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
7.00%*$0$10kRewards Checking - Qualifying
OTHER TIERS: 0.02% $10k+
1.00%*$0$1kPathfinder Checking
OTHER TIERS: 0.02% $1k+
0.02%$20k-Business Checking
0.02%$20k-Cash Intensive Checking

Pacific Crest Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.49%$2k$1m24 Month Index CD
3.97%$1.5k$1m18 Month Index CD
3.45%$1k$1m12 Month Index CD
3.04%*$100*$5k12 Month Pathfinder CD
OTHER TIERS: 0.05% $5k+
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*$100k24 Month CD
OTHER TIERS: 1.20% $1k - $10k | 1.30% $10k - $25k | 1.40% $25k - $50k | 1.50% $200k+ | 1.60% $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
1.10%*$200k*-6 Month CD
OTHER TIERS: 0.60% $1k - $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.90% $50k - $100k | 1.00% $100k - $200k
0.70%*$200k*-18 Month Bump CD
OTHER TIERS: 0.30% $1k - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.50% $50k - $100k | 0.60% $100k - $200k

Pacific Crest Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$200k*-60 Month IRA
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 IRA
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 IRA
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*$100k24 Month IRA
OTHER TIERS: 1.20% $1k - $10k | 1.30% $10k - $25k | 1.40% $25k - $50k | 1.50% $200k+ | 1.60% $100k - $200k
1.15%*$200k*-12 Month IRA
OTHER TIERS: 0.65% $1k - $10k | 0.75% $10k - $25k | 0.85% $25k - $50k | 0.95% $50k - $100k | 1.05% $100k - $200k
1.10%*$200k*-6 Month IRA
OTHER TIERS: 0.60% $1k - $10k | 0.70% $10k - $25k | 0.80% $25k - $50k | 0.90% $50k - $100k | 1.00% $100k - $200k
0.70%*$200k*-18 Month Bump IRA
OTHER TIERS: 0.30% $1k - $10k | 0.35% $10k - $25k | 0.40% $25k - $50k | 0.50% $50k - $100k | 0.60% $100k - $200k
Locations


Pacific Crest Federal Credit Union Locations
Branch Office6450 Galpin LnKlamath Falls, OR 97603-2900
Branch Office123 N G StLakeview, OR 97630
Branch Office2972 Washburn WayKlamath Falls, OR 97603
Branch Office1030 N Main St Ste 101Alturas, CA 96101-3391
Branch Office57269 Park RdChristmas Valley, OR 97641
Branch Office3737 Shasta Way Ste BKlamath Falls, OR 97603-4982

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