Join Pacific Crest

Open doors

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.

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 28,000 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.

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.

Reaching out & building partnerships

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.

Community involvement »

Giving back & donating to community

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.

Donations »

Paying it forward with scholarships

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.

Scholarships »

Ready to set out?

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

Trail Notes

Pacific Crest is part of the CO-OP ATM Network, which has 30,000+ surcharge-free ATMs located across ten countries and all 50 states. 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 stockholders, 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.


* 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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