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?
Enjoy branch locations throughout our region, plus 28,000 ATMs nationwide.
Credit unions offer better interest rates on your savings and lower fees.
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.
You’re a member, not a number. At Pacific Crest, we treat people like people.
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 a credit union. We’re your community.
Pacific Crest isn’t just a bank. We’re a financial co-op owned by 15,000+ people in the Klamath Basin and surrounding rural communities. In 2016 alone, we returned a financial benefit of over $16 million to our home and yours — by reaching out, giving back, and paying it forward.
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.
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.
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.
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.
* 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.
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