Savings | Checking | Certificates

Youth Accounts

Pathfinder Youth Accounts

Juniper welcomes you

How to start-01

How to start*

Open a Pathfinder Account

Pathfinder Accounts can be opened at your nearest branch.
You may need some ID and other documents, such as proof of address.


Stage 1

Pathfinder Savings

Savings Beginner

  • Pays dividends
  • Safer than a piggy bank
  • Only $5 to open
Stage 2

Pathfinder Certificate

Savings Expert

  • Renews every year
  • Add money regularly
  • Minimum to open: $100
Stage 3

Pathfinder Checking

Responsible Spender

  • Debit Card
  • Online Banking and App
  • No minimum balance
  • No monthly fees
Juniper Stage 4

Pathfinder Credit Builder

Credit Builder

  • Build credit in a safe environment
  • Easily manage payments
  • Available for 16 and 17 year-olds

Wireless free Internet (WiFi), like what you find at coffee shops, the public library, and other public places, takes place over a public network. Even if you need a password to access the Internet, you’re still sharing that connection with others. And it’s very easy for someone with even basic hacking skills to spy on the data flowing to or from your computer in that setting. If you submit anything sensitive, like your login info, on such a connection, a hacker could steal it.

Bottom line, there’s a difference between a secure website and a secure connection. At Pacific Crest, we take the security of our web services very seriously. However, we can’t guarantee the security of the connection you use to access those. Please play it safe: never log into Pacific Crest online banking from public WiFi.

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.


* Membership requirement: 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.

We do not knowingly solicit or collect personal information from children on our website. For more information please view our Website Privacy Policy.

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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