FAQs

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.

Contact us by phone

We are happy to answer your questions. Please give us a call at (800) 570-0265.

Contact us online

Send us a message on our online contact form
Note that when you’re sending us an email, do not include personal information such as your account number or social security number.

You are about to navigate away from Pacific Crest FCU’s website. Clicking on the link will take you to another website that is not operated by Pacific Crest Federal Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Pacific Crest Federal Credit Union’s practices.

Cancel Accept