Certificates
Long term savings
Certificates generally provide higher rates of return than a savings account, without the higher risk of investments. You can choose the amount to deposit and the term in months. Typically, the longer you keep your funds in a certificate, the higher your rate of return. Indexed and Bump Rate Certificates provide even more flexibility when market rates rise or fall.
Term Certificate
Tiered Rates
- Choose your term (months)
- Tiered rates based on amount and term
- $1,000 minimum to open
- IRA option available
- View current rates
Indexed Certificate
Variable Rate
- Rates fluctuate with Federal IORB Index
- Reduced early withdrawal penalties
- $1,000 minimum to open
- View current rates
Bump Rate Certificate
Adjustable Rate
- 18 month term
- Tiered rates based on amount
- $1,000 minimum to open
- IRA option available
- One time rate adjustment (on request)
Today's rates
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: June 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. |
|||
|
6 month |
$1,000.00 – $9,999.99 |
0.60% |
0.60% |
|
$10,000.00 – $24,999.99 |
0.70% |
0.70% |
|
|
$25,000.00 – $49,999.99 |
0.80% |
0.80% |
|
|
$50,000.00 – $99,999.99 |
0.90% |
0.90% |
|
|
$100,000.00 – $199,999.99 |
1.00% |
1.00% |
|
|
$200,000.00 + |
1.09% |
1.10% |
|
|
12 month |
$1,000.00 – $9,999.99 |
0.65% |
0.65% |
|
$10,000.00 – $24,999.99 |
0.75% |
0.75% |
|
|
$25,000.00 – $49,999.99 |
0.85% |
0.85% |
|
|
$50,000.00 – $99,999.99 |
0.95% |
0.95% |
|
|
$100,000.00 – $199,999.99 |
1.05% |
1.05% |
|
|
$200,000.00 + |
1.14% |
1.15% |
|
|
24 month |
$1,000.00 – $9,999.99 |
1.19% |
1.20% |
|
$10,000.00 – $24,999.99 |
1.29% |
1.30% |
|
|
$25,000.00 – $49,999.99 |
1.39% |
1.40% |
|
|
$50,000.00 – $99,999.99 |
1.69% |
1.70% |
|
|
$100,000.00 – $199,999.99 |
1.59% |
1.60% |
|
|
$200,000.00 + |
1.49% |
1.50% |
|
|
36 month |
$1,000.00 – $9,999.99 |
1.29% |
1.30% |
|
$10,000.00 – $24,999.99 |
1.39% |
1.40% |
|
|
$25,000.00 – $49,999.99 |
1.49% |
1.50% |
|
|
$50,000.00 – $99,999.99 |
1.56% |
1.60% |
|
|
$100,000.00 – $199,999.99 |
1.69% |
1.70% |
|
|
$200,000.00 + |
1.79% |
1.80% |
|
|
48 month |
$1,000.00 – $9,999.99 |
1.39% |
1.40% |
|
$10,000.00 – $24,999.99 |
1.49% |
1.50% |
|
|
$25,000.00 – $49,999.99 |
1.59% |
1.60% |
|
|
$50,000.00 – $99,999.99 |
1.69% |
1.70% |
|
|
$100,000.00 – $199,999.99 |
1.79% |
1.80% |
|
|
$200,000.00 + |
1.88% |
1.90% |
|
|
60 month |
$1,000.00 – $9,999.99 |
1.49% |
1.50% |
|
$10,000.00 – $24,999.99 |
1.59% |
1.60% |
|
|
$25,000.00 – $49,999.99 |
1.69% |
1.70% |
|
|
$50,000.00 – $99,999.99 |
1.79% |
1.80% |
|
|
$100,000.00 – $199,999.99 |
1.88% |
1.90% |
|
|
$200,000.00 + |
1.98% |
2.00% |
|
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: June 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. |
|||
|
6 month |
$1,000.00 – $9,999.99 |
0.60% |
0.60% |
|
$10,000.00 – $24,999.99 |
0.70% |
0.70% |
|
|
$25,000.00 – $49,999.99 |
0.80% |
0.80% |
|
|
$50,000.00 – $99,999.99 |
0.90% |
0.90% |
|
|
$100,000.00 – $199,999.99 |
1.00% |
1.00% |
|
|
$200,000.00 + |
1.09% |
1.10% |
|
|
12 month |
$1,000.00 – $9,999.99 |
0.65% |
0.65% |
|
$10,000.00 – $24,999.99 |
0.75% |
0.75% |
|
|
$25,000.00 – $49,999.99 |
0.85% |
0.85% |
|
|
$50,000.00 – $99,999.99 |
0.95% |
0.95% |
|
|
$100,000.00 – $199,999.99 |
1.05% |
1.05% |
|
|
$200,000.00 + |
1.14% |
1.15% |
|
|
24 month |
$1,000.00 – $9,999.99 |
1.19% |
1.20% |
|
$10,000.00 – $24,999.99 |
1.29% |
1.30% |
|
|
$25,000.00 – $49,999.99 |
1.39% |
1.40% |
|
|
$50,000.00 – $99,999.99 |
1.69% |
1.70% |
|
|
$100,000.00 – $199,999.99 |
1.59% |
1.60% |
|
|
$200,000.00 + |
1.49% |
1.50% |
|
|
36 month |
$1,000.00 – $9,999.99 |
1.29% |
1.30% |
|
$10,000.00 – $24,999.99 |
1.39% |
1.40% |
|
|
$25,000.00 – $49,999.99 |
1.49% |
1.50% |
|
|
$50,000.00 – $99,999.99 |
1.59% |
1.60% |
|
|
$100,000.00 – $199,999.99 |
1.69% |
1.70% |
|
|
$200,000.00 + |
1.79% |
1.80% |
|
|
48 month |
$1,000.00 – $9,999.99 |
1.39% |
1.40% |
|
$10,000.00 – $24,999.99 |
1.49% |
1.50% |
|
|
$25,000.00 – $49,999.99 |
1.59% |
1.60% |
|
|
$50,000.00 – $99,999.99 |
1.69% |
1.70% |
|
|
$100,000.00 – $199,999.99 |
1.79% |
1.80% |
|
|
$200,000.00 + |
1.88% |
1.90% |
|
|
60 month |
$1,000.00 – $9,999.99 |
1.49% |
1.50% |
|
$10,000.00 – $24,999.99 |
1.59% |
1.60% |
|
|
$25,000.00 – $49,999.99 |
1.69% |
1.70% |
|
|
$50,000.00 – $99,999.99 |
1.79% |
1.80% |
|
|
$100,000.00 – $199,999.99 |
1.88% |
1.90% |
|
|
$200,000.00 + |
1.98% |
2.00% |
|
|
Product |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: July 1, 2023 APY=Annual Percentage Yield. The available term for the Indexed Share Certificate – 1 account is 12 months, 18 months for the Indexed Share Certificate – 1.5 account, and 24 months for the Indexed Share Certificate – 2 account. The APYs above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. The minimum opening balance is $1,000.00 for the Indexed Share Certificate – 1, $1,500.00 for the Indexed Share Certificate – 1.5, and $2,000.00 for the Indexed Share Certificate – 2. Fees may reduce earnings. This account is subject to a Variable Rate and may change after account opening. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Variable Rate Information. The dividend rate is determined by subtracting 2.00% for the Indexed Share Certificate – 1, 1.50% for the Indexed Share Certificate – 1.5, and 1.00% for the Indexed Share Certificate – 2 from the Federal Reserve Interest Rate on Reserve Balances (IORB). APY and Rate may change on the 1st of each month based on the current IORB. The rate will be obtained from federalreserve.gov. The dividend rate will never be less than 0.10% for the Indexed Share Certificate – 1 account, 0.15% for the Indexed Share Certificate – 1.5 account, and 0.20% for the Indexed Share Certificate – 2 account or more than 10.00% for any of these accounts. Transaction Limitations. Once Your Account is established, funds must remain on deposit for 10 days before additional deposits and withdrawals are allowed. Then additional deposits are allowed and must be at least $100.00 per deposit for the Indexed Share Certificate – 1 account, $150.00 per deposit for the Indexed Share Certificate – 1.5 account, and $200.00 per deposit for the Indexed Share Certificate – 2 account. Withdrawals must be at least $1,000.00 for the Indexed Share Certificate – 1 account, $1,500.00 for the Indexed Share Certificate – 1.5 account, and $2,000.00 for the Indexed Share Certificate – 2 account and may incur an early withdrawal penalty. |
|||
|
Indexed – 1 |
$1,000.00 – $1,000,000.00 |
3.40% |
3.45% |
|
Indexed – 1.5 |
$1,500.00 – $1,000,000.00 |
3.90% |
3.97% |
|
Indexed – 2 |
$2,000.00 – $1,000,000.00 |
4.40% |
4.49% |
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. 18 Month – Bump Rate Term Share Certificate: Prior to the Maturity Date of your Account, you may make a single request to increase the dividend rate that is paid on your account to the rate this is commensurate with the divided rate then being paid on a comparable account having the same term to maturity as your original account. |
|||
|
18 month |
$1,000.00 – $9,999.99 |
0.30% |
0.30% |
|
$10,000.00 – $24,999.99 |
0.35% |
0.35% |
|
|
$25,000.00 – $49,999.99 |
0.40% |
0.40% |
|
|
$50,000.00 – $99,999.99 |
0.50% |
0.50% |
|
|
$100,000.00 – $199,999.99 |
0.60% |
0.60% |
|
|
$200,000.00 + |
0.70% |
0.70% |
|
|
Term |
Balance to Earn APY |
Dividend Rate |
APY |
|---|---|---|---|
|
Rates Effective: January 1, 2023 APY=Annual Percentage Yield. Annual Percentage Yields above were offered within the most recent seven calendar days and are accurate as of the effective date shown above. For more current rates, call 800.570.0265. All deposited funds earn the rate for the tier. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Individual Retirement Accounts (IRAs) are subject to limitations imposed by the Internal Revenue Service, please consult a tax advisor for additional information. Account plan fees may apply. The minimum opening balance is $1,000.00. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account. 18 Month – IRA Bump Rate Term Share Certificate: Prior to the Maturity Date of your Account, you may make a single request to increase the dividend rate that is paid on your account to the rate this is commensurate with the divided rate then being paid on a comparable account having the same term to maturity as your original account. |
|||
|
18 month |
$1,000.00 – $9,999.99 |
0.30% |
0.30% |
|
$10,000.00 – $24,999.99 |
0.35% |
0.35% |
|
|
$25,000.00 – $49,999.99 |
0.40% |
0.40% |
|
|
$50,000.00 – $99,999.99 |
0.50% |
0.50% |
|
|
$100,000.00 – $199,999.99 |
0.60% |
0.60% |
|
|
$200,000.00 + |
0.70% |
0.70% |
|
We’re people helping people.
Together we’re a credit union.
Pacific Crest is a not-for-profit financial co-op owned by over 19,000 regular people in the Klamath Basin and surrounding rural communities. We don’t have to worry about pleasing stockholders so we’re able to focus our efforts on our communities — by reaching out, giving back, and paying it forward. Learn more about our Community Impact.
-
2022 Volunteer Hours1,877
Our staff serves on various boards, committees, and volunteers at many community events.
-
2022 Local Donations & Sponsorships$99,246
We support more than 35 local organizations that have a big impact on the area.
-
2022 Employee Donations$4,779
Employees can personally support charities through our Casual For Community program.