General Savings
Accounts & Cards

Membership Savings

Part of our purpose as a credit union is to help members save. When you join Pacific Crest, a savings account (also called a share account) is automatically opened for you, so you have the tools you need to start earning dividends.

Your membership savings

Your primary savings account at Pacific Crest offers you the following.

Low opening balance

Become a Pacific Crest member by opening a Membership Savings account with just $5.

Daily dividends

Your member share dividends accrue daily with a minimum balance of $5.00.

Accident insurance

We offer free $2,000 group accident insurance to members 18+.*

Other ways to save at Pacific Crest

In addition to your membership savings, we offer several other savings options, too.

  • Minimum opening balance

    Minimum opening balance

  • Minimum balance to earn dividends

    Minimum balance to earn dividends

  • Daily dividends, paid monthly

    Daily dividends, paid monthly

  • Reward program for meeting savings goals

    Reward program for meeting savings goals

  • Program to teach healthy saving & spending habits

    Program to teach healthy saving & spending habits

Secondary Savings
Give each of your savings goals its own account.

  • Minimum opening balance

    $5

  • Minimum balance to earn dividends

    $100

  • Daily dividends, paid monthly

  • Reward program for meeting savings goals

  • Program to teach healthy saving & spending habits

Youth Savings
The savings program designed for kids & youth.

  • Minimum opening balance

    $5

  • Minimum balance to earn dividends

    $5

  • Daily dividends, paid monthly

  • Reward program for meeting savings goals

  • Program to teach healthy saving & spending habits

Money Market Account
Best rates: the more you save, the more you earn.

  • Minimum opening balance

    $1000

  • Minimum balance to earn dividends

    Tiered

  • Daily dividends, paid monthly

  • Reward program for meeting savings goals

  • Program to teach healthy saving & spending habits

Other ways to save

Certificates

When you commit to leaving your money on deposit for a set period of time (intervals range from six months to five years), you can earn a higher dividend rate ― and the rate is guaranteed.

View certificate rates»

Easy Saver Certificate

Certificates aren’t just for grown-ups. We offer a 12-month certificate for youth as well, so kids and teens can earn higher dividends and make better time on their journey.

View certificate rates»

Let’s get started

Visit a branch.
Find a location
Call or email.

(541) 810-6973
WSG@mypcfcu.org

Check your balance and make transfers and deposits from your smartphone.

With mobile banking you can take care of most of your day to day banking needs any time, from almost anywhere.

Get the Mobile Banking App

IRAs

Individual Retirement Accounts (IRAs) are a great way to save for retirement, which offer substantial tax benefits for participants who qualify.

Take me to IRAs » 

HSAs

Health Savings Accounts (HSAs) help you set pre-tax dollars aside so you can cover health care expenses later, such as copays, deductibles, prescriptions, even Band-Aids.  

Take me to HSAs » 

Calculator

Today’s rates

 

Membership Savings

Account Type

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

Minimum Opening Deposit: $5
The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded quarterly and will be credited to the account quarterly except for the Annual Savings.  Fees may reduce earnings.

Federal regulation limits savings to six transfers or withdrawals per month if by check, point of sale, debit card, pre-authorized, automatic, telephone, or computer transfer. Items presented for payment that exceed the transaction limitations will be denied.

*Dividend calculations for Annual Savings compounded annually (Sep. 30) and credited annually (Sep.30).

Membership Savings

$5.00

0.02%

0.02%

Additional Savings

$5.00

0.02%

0.02%

Annual Savings*

$5.00

0.02%

0.02%

Pathfinder Savings

$5.00

0.02%

0.02%

View Money Market Share Account rates»
View Certificate of Deposit rates»

We’re a credit union. We’re your community.

Pacific Crest isn’t a bank. We’re a financial co-op owned by 16,000+ people in the Klamath Basin and surrounding rural communities. In 2016 alone, we returned a financial benefit of over $16 million to our home and yours — by reaching out, giving back, and paying it forward.

Reaching out & building partnerships

Reaching out

At Pacific Crest, we build partnerships and provide services designed to make a difference, while devoting hundreds of volunteer hours every year to good causes.

Community involvement »

Giving back & donating to community

Giving back

We search for organizations that are making a positive impact in our communities, whose work has a ripple effect, and put our dollars where it means the most.

Donations »

Paying it forward with scholarships

Paying it forward

To help deserving students make a difference, we offer four $1,000 annual scholarships inspired by board members who made a difference at Pacific Crest.

Scholarships »

What is it like to be a member at Pacific Crest?

Ready to set out?

Visit a branch.
Find a location
Call or email.

(541) 810-6973
WSG@mypcfcu.org

Disclosures

* Accidental death and dismemberment insurance (AD&D) is not federally insured by NCUA.

CULookup.com financial calculators are provided as a free service to our users. The information supplied by these calculators is from sources and based on calculations that we believe to be reliable, but no guarantee, explicit or implied, is made regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Neither Pacific Crest Federal Credit Union nor CULookup.com accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator shall constitute acceptance of the terms of this agreement. We urge you to consider finding a qualified professional for advice with regard to your personal finance issues.

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