Personal Checking


No fuss, just great checking

Using your money should be easy. We’ve designed our checking accounts to be easy to access, easy to understand, and easy to use.

Rewards Checking

Earn Dividends*

  • Earn up to 7.00% APY*
  • No minimum balance
  • No monthly service fees
  • Network of 30K ATMs
  • Free debit card

Simple Checking

Secure and Easy

  • No minimum balance
  • No monthly service fees
  • Network of 30K ATMs
  • Free debit card

Pathfinder Checking

Youth Checking

  • Earn dividends**
  • For members under 18
  • No minimum balance
  • No monthly service fees
  • Free debit card

Today’s Rates



Checking Accounts

Account Type

Bal. to Earn APY

Dividend Rate


Rates Effective: September 1, 2023

APY=Annual Percentage Yield. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

* In order to earn the dividends at the disclosed rate during each monthly qualification cycle: (a) Your Credit Union loans, if any, cannot be more than 14 days past due; and (b) at least 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically; and (d) You must have a minimum $5.00 balance in Your membership savings account. Only the funds that comprise each tier will earn the rate for that tier.

** Pathfinder accounts are for members 17 years and younger. Only the funds that comprise each tier will earn the rate for that tier.

*** Account is subject to limitations imposed by the Internal Revenue Service. Please consult tax advisor for additional information. Minimum opening balance of $10.00.

Simple Checking




Rewards Checking*

$0.01 – $10,000.00





7.00% – 2.34%

Pathfinder Checking**

$0.01 – $1,000.00





1.00% – 0.11%

Health Checking***




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We’re people helping people.

Together we’re a credit union.


Pacific Crest is a not-for-profit financial co-op owned by over 24,000 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.

Community collage

  • 2023 Volunteer Hours

    Our staff serves on various boards, committees, and volunteers at many community events.

  • 2023 Local Donations

    We support more than 35 local organizations that have a big impact on the area.

  • 2023 Employee Donations

    Employees can personally support charities through our Casual For Community program.

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