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Credit Card Rates

Calm Pear = Compare

Apples to Apples

Many credit card issuers have recently increased rates.  Take a peek at a recent statement for any credit cards you use. Look for the Annual Percentage Rate (APR) that you are paying on your balance. The APR allows you to compare rates, apples to apples. The current best rate for purchases and balance transfers on the Pacific Crest Visa® Credit Card is 7.99%APR.1 If your other cards have a higher rate, we may be able to save you money every month.2

Get startedThe best way to do a balance transfer: 

  1. Find your most recent statement for a higher rate Credit Card.
  2. If you don’t have a Pacific Crest Credit Card, call us at 541.850.7799 to apply
  3. If you do have a Pacific Crest Credit Card, visit your nearest branch or call us at 800.570.0265


1 All loans on approved credit. Membership required and subject to approval.

2 Monthly payment savings is dependent on factors such as current rate, balance, and creditworthiness.

*Terms and Conditions: Balance transfer requests must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. Foreign Transaction Fees: 1.00% of each foreign currency transaction in U.S. Dollars. 1.00% of each U.S. Dollar transaction that occurs in a foreign country.  $25.00 Annual Fee for Visa® Secured cards.

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