Credit Cards

Rates Effective: January 1, 2023

View important Credit Card Disclosures

¹VISA® Cashback Credit Card Program Terms
Pacific Crest Federal Credit Union (Credit Union) VISA Cashback Credit Card is governed by the following terms and conditions. By enrolling in the Visa^® Cashback program, you (Participant) agree to these terms and conditions.

Transactions Qualifying for Rewards
Cashback Rewards (Rewards) are paid based on Net Purchases. “Net Purchases” are the total Qualifying Purchases made with your enrolled credit card, less any returns, credits or adjustments that are not payments. A “Qualifying Purchase” is any purchase made with your enrolled credit card other than the excluded transactions described below.
The following transactions are NOT Qualifying Purchases and therefore Rewards are not awarded on them: fraudulent purchases, finance charges, other charges, fees, debt protection fees, or cash advances of any kind, including balance transfers, convenience checks, automated teller machine (ATM) and teller withdrawals, and wire transfers.

Awarding of Cashback Rewards
Rewards accrue at 1.00% of the Net Purchases made during a billing cycle. Rewards begin to accumulate with purchases you make beginning on the first day of the billing cycle and ending on the last day of the last billing cycle. Rewards are deposited to your Credit Union Membership Savings Account each month. Rewards accruals are calculated at the end of each billing cycle and will appear on your Membership Savings Account monthly statement. The maximum Reward payable for any billing cycle is $250.00. Rewards do not carry over to future billing cycles.

Program Limitations and Conditions.
We reserve the right to verify and adjust Rewards at any time. If you or we close your enrolled credit card or terminate your participation in the Program, all unpaid Rewards will be forfeited even if your credit card is later reopened or you re-enroll in the Program. Rewards are not transferable and cannot be bought, sold, or credited as payment on your credit card account. Rewards are not your property and have no cash value until deposited into your Membership Savings Account. Any Rewards balance remains the property of the Credit Union until redeemed. Any questions as to what constitutes a Qualifying Purchase shall be resolved at the sole discretion of the Credit Union.
Additionally, a minimum balance of $5.00 is required in your Membership Savings account on the last day of the billing cycle to earn rewards. We reserve the right to refuse Rewards if any of your Credit Union loan accounts are past due, delinquent, or otherwise not in good standing, as determined by the Credit Union. Rewards may be forfeited due to Program Rules violations. This Program is void where prohibited or restricted by law. Participant is responsible for any federal, state or local income or other taxes or gratuities, if applicable. The laws of the State of Oregon govern the Program and these Program Rules.

** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts 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.

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days following Your statement closing date. We will not charge You interest on purchases if You pay Your entire balance owed each month by Your payment due date.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .