Compass Credit Builder

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You set the direction

Personal Loans — sometimes called unsecured loans or signature loans — can help you pay for just about anything you need. Did your brakes go out? Do you want an energy-efficient dishwasher? Are you planning a vacation? Whatever event is occurring in your life, a Personal Loan may be the right solution for you.

Forget the card

A credit card is a useful tool, but it’s not the best resource for every need. A personal loan may be a better fit.

Lock in your rate

Get a fixed amount to spend, at a fixed rate, so you know exactly how much you’ll pay, for how long.

It’s your call

Personal Loans aren’t confined to a specific type of purchase. You choose how to spend it.

Trail Notes

You can use it for veterinary expenses. It can help you pay for maternity care or adoption fees. If you’re applying for citizenship, it can help you cover those fees. If you’re planning an elective medical procedure, from weight loss to Lasik, it can help with that too. A personal loan can help you pay for your wedding, get a root canal, or send your child to camp. It’s wide open.

A personal line of credit works a lot like a credit card. There’s a limit to how much credit you can use, it’s available to you on a rolling basis, and the interest rate can be subject to change.


A personal loan, on the other hand, is a fixed amount that you get all at once, with a locked-in interest rate on a fixed repayment term. So instead of borrowing a little here and paying a little back there, you borrow your lump sum all at once, use it for whatever you need, then pay it back in steady monthly increments that don’t change over time.

Notes from the Trail

My husband and I are tight financially right now, having received unexpected tax and medical bills. I was unsure if I would qualify for a loan. I was relieved to be able to get the loan and have those bills paid off.

— Nancy, member since 1980

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Today’s rates

Personal Loans & Lines of Credit

Loan Type


Annual Percentage Rate

Rates Effective: March 1, 2023

1.00% APR Discount Special has been applied the Personal Loan rates. Expires 4/30/2023.

Upon approved credit. Restrictions apply to refinancing existing PCFCU loans, contact us at 541.850.7799 for additional information. Credit Union membership is required. Rate discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Internal Refinance for a Personal Loan requires $500 New Money.

Personal Loan

Up to 84 months

9.99% - 16.99%

Line of Credit


10.99% - 17.99%


We’re a credit union. We’re your community.

Pacific Crest isn’t a bank. We’re a financial co-op owned by 16,000+ people in the Klamath Basin and surrounding rural communities. In 2018 alone, we returned a financial benefit of over $23 million to our home and yours — by reaching out, giving back, and paying it forward.

Reaching out & building partnerships

Reaching out

At Pacific Crest, we build partnerships and provide services designed to make a difference, while devoting hundreds of volunteer hours every year to good causes.

Community involvement »

Giving back & donating to community

Giving back

We search for organizations that are making a positive impact in our communities, whose work has a ripple effect, and put our dollars where it means the most.

Donations »

Paying it forward with scholarships

Paying it forward

To help deserving students make a difference, we offer four $1,000 annual scholarships inspired by board members who made a difference at Pacific Crest.

Scholarships »

What is it like to be a member at Pacific Crest?

Ready to set out?

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Find a location
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