Membership

Banks are for-profit organizations, which aim to maximize profit from serving customers. Credit unions are non-profits, and our members aren’t just customers, but owners. As a cooperative, our goal is to maximize how well we can all do, together. So you see it would make no sense for us to charge heavy fees or offer slim rewards. We offer the best rates and the lowest fees that we can, because when one of us does well, we all do well.

At Pacific Crest, every account-holder owns a share in the credit union. Because you’re not just a member, but an owner too, you’re entitled to a share of the profits.

Unlike a bank, which divides profits among just a few owners, Pacific Crest divides our profits across our entire membership. These are called dividends. The size of your dividend is determined by the type and size of account you hold at Pacific Crest.

Pacific Crest is part of the Co-op ATM Network, which has 28,000 ATMs located across ten countries and all 50 states. This is larger than almost any network offered by a bank, so we feel confident you’ll be able to access your account anywhere you go. Plus, it’s surcharge-free. View the ATM map.

The routing number for Pacific Crest is 323274704.