Savings Accounts
Your membership savings
Part of our purpose as a credit union is to help members save. When you join Pacific Crest, a savings account (also called a share account) is automatically opened for you, so you have the tools you need to start earning dividends.
Low opening balance
Become a Pacific Crest member by opening a Membership Savings account with just $5.
Daily dividends
Your member share dividends accrue daily with a minimum balance of $5.00.
Accident insurance
We offer free $2,000 group accident insurance to members 18+.*
Other ways to save at Pacific Crest
In addition to your membership savings, we offer several other savings options, too.
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Purpose
Purpose
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Minimum opening balance
Minimum opening balance
-
Minimum Balance to earn dividends
Minimum Balance to earn dividends
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Dividends
Dividends
Additional Savings
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Purpose
Give each of your savings goals its own account.
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Minimum opening balance
$0
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Minimum Balance to earn dividends
$5
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Dividends
Daily dividends, compounded and credited quarterly
Pathfinder Savings
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Purpose
The savings program designed for kids & youth.
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Minimum opening balance
$5
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Minimum Balance to earn dividends
$5
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Dividends
Daily dividends, compounded and credited quarterly
Money Market Account
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Purpose
Best rates: the more you save, the more you earn.
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Minimum opening balance
$0
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Minimum Balance to earn dividends
$1000
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Dividends
Daily dividends, compounded and credited monthly
Annual Savings
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Purpose
Best rates: the more you save, the more you earn.
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Minimum opening balance
$0
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Minimum Balance to earn dividends
$5
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Dividends
Daily dividends, compounded and credited September 30th of each year
Other ways to save
Certificates
When you commit to leaving your money on deposit for a set period of time (intervals range from six months to five years), you can earn a higher dividend rate ― and the rate is guaranteed.
Pathfinder Certificate
Certificates aren’t just for grown-ups. We offer a 12-month certificate for youth as well, so kids and teens can earn higher dividends and make better time on their journey.
Let’s get started
Check your balance and make transfers and deposits from your smartphone.
With mobile banking you can take care of most of your day to day banking needs any time, from almost anywhere.
IRAs
Individual Retirement Accounts (IRAs) are a great way to save for retirement, which offer substantial tax benefits for participants who qualify.
HSAs
Health Savings Accounts (HSAs) help you set pre-tax dollars aside so you can cover health care expenses later, such as copays, deductibles, prescriptions, even Band-Aids.
Calculator
Today’s rates
|
Account Type |
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|---|
|
Rates Effective: January 1, 2023 Minimum Opening Deposit: $5 Federal regulation limits savings to six transfers or withdrawals per month if by check, point of sale, debit card, pre-authorized, automatic, telephone, or computer transfer. Items presented for payment that exceed the transaction limitations will be denied. *Dividend calculations for Annual Savings compounded annually (Sep. 30) and credited annually (Sep.30). **Pathfinder Savings is for members below 18 years of age. |
|||
|
Membership Savings |
$5.00 |
0.02% |
0.02% |
|
Additional Savings |
$5.00 |
0.02% |
0.02% |
|
Annual Savings* |
$5.00 |
1.00% |
1.00% |
|
Pathfinder Savings** |
$5.00 - $2,000.00 |
2.00% |
2.01% |
|
Pathfinder Savings** |
$2,000.01 + |
0.02% |
2.01% - 0.35% |
View Money Market Share Account rates»
View Term Share Certificate rates»
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
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.
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.
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.
Ready to set out?
Disclosures
* Accidental death and dismemberment insurance (AD&D) is not federally insured by NCUA.
CULookup.com financial calculators are provided as a free service to our users. The information supplied by these calculators is from sources and based on calculations that we believe to be reliable, but no guarantee, explicit or implied, is made regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Neither Pacific Crest Federal Credit Union nor CULookup.com accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator shall constitute acceptance of the terms of this agreement. We urge you to consider finding a qualified professional for advice with regard to your personal finance issues.