Join Pacific Crest

Open doors

The credit union difference

Credit unions and banks offer a lot of the same things: checking and savings accounts, credit cards, loans. So how are they different? Why are credit unions better? And most importantly, what do you get as a member of Pacific Crest?

Easy access

Enjoy branch locations throughout our region, plus 30,000 ATMs nationwide.

Competitive rates

Credit unions offer competitive dividends on your savings and great rates on your loans.


When you join Pacific Crest, you become a dividend-earning owner of our co-op.

Not for profit

We’re not in this for ourselves. As a non-profit, we’re looking out for you.

Personal service

You’re a member, not a number. At Pacific Crest, we treat people like people.

Ready to join?

In Person
Find a Branch

If you live, work, worship, or attend school in Klamath, Lake, Modoc, or Northeast Siskiyou County — or if you have family who does — you can be a member of Pacific Crest.

Be part of the tapestry

When you join Pacific Crest, you become a member of a co-op that is woven into the fabric of the community. For over eighty years we have been providing financial services to generations of our friends and neighbors and we want to be part of your journey too.

Notes from the trail

By far the friendliest group I’ve ever met in a bank. That’s what business is about: taking an interest in your customers, and treating them with respect.

— Robert, member since 2017

We will make joining easy. Bring in the following information.

Your Social Security Number or your Individual Taxpayer Identification Number (ITIN)

Your government-issued identification (e.g. state issued driver’s license/ID, or passport)


If your current address does not match the address on your government issued identification, bring a valid second form of identification.*

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.

Ready to set out?

Visit us
Find a branch
Become a member
Join online
Get in touch
Email or call us


* Second form of identification. If your current address does not match the address on your government issued identification, a valid second form of identification such as your utility bill (in your name & address), health insurance card, rent receipt (in your name & address), employment ID, pay stub (current), or other similar type of documents displaying your current address will be needed.

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.

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