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Credit Card Rates

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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

Balance Transfer Promotion

  • There is no transaction fee to transfer a balance to a Pacific Crest Credit Card.
  • Until March 31st any qualifying balance you transfer will accrue no interest until after the Sept. ‘24 billing cycle!
    (0%APR on the transferred balance during the promo period, then a balance transfer rate of 6.99%-18.00%APR will apply*)

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: 0% Promo APR applies to balance transfer requests made between January 1, 2024 and March 31, 2024 that have been approved and processed through Pacific Crest FCU. After March 31, 2024 your standard Balance Transfer APR will apply to new balance transfers. The Promo APR will continue to apply to any remaining Promo balance through the billing cycle that ends in September 2024. The Promo APR cannot be applied to any existing balances or balance transfers made from other Pacific Crest FCU credit cards. 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. The Promo offer does not affect any other terms of your original credit agreement which will remain in full force and effect. 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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