Personal Rates

Simple Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

No minimum balance

n/a

n/a

n/a

Rewards Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

To receive the APY, you must meet the following requirements: 1) Have at least 15 debit card purchases post and clear during the calendar month; 2) Be enrolled in E-Statements; 3) Have no loans that are 15 or more days past due. A Membership Savings with a $5 minimum balance is required to earn APY. The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded monthly and will be credited to the account monthly.  Fees may reduce earnings.

$0.01 - $10,000.00

2.00%

2.02%

$10,000.01 +

0.00% - 0.02%

0.00% to 0.02%

Membership Savings

Account Type

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

Minimum Opening Deposit: $5
The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded quarterly and will be credited to the account quarterly except for the Annual Savings.  Fees may reduce earnings.

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).

Membership Savings

$5.00

0.02%

0.02%

Additional Savings

$5.00

0.02%

0.02%

Annual Savings*

$5.00

0.02%

0.02%

Pathfinder Savings

$5.00

0.02%

0.02%

Money Market

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2018

The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded monthly and will be credited to the account monthly. Fees may reduce earnings.

Federal regulation limits money market accounts (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.

$1000.00-$9999.99

0.10%

0.10%

$10,000.00-$24,999.99

0.12%

0.12%

$25,000.00-$49,999.99

0.15%

0.15%

$50,000.00-$99,999.99

0.17%

0.17%

$100,000.00-$199,999.99

0.20%

0.20%

$200,000.00 +

0.22%

0.22%

Term Share Certificates

Term and Balance

Min. Opening Deposit

Dividend Rate

APY*

Rates Effective: December 1, 2018

 

Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period.  The dividend period is the period of time at the end of which an account earns dividend credit.  The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month.  Dividends will be compounded quarterly.  At account opening, you may choose to have accrued dividends transferred to your savings or checking account monthly or quarterly.  Penalties may apply for early withdrawals.  The withdrawal penalty for all term share certificates will be 4% of the amount withdrawn.

 

*Annual Percentage Yield

** Pathfinder accounts are for members below 18 years of age.

***18 Month – Bump Rate Term Share Certificate: Prior to the Maturity Date of your Account, you may make a single request to increase the dividend rate that is paid on your account to the rate this is commensurate with the divided rate then being paid on a comparable account having the same term to maturity as your original account.

6 month, $1,000.00 - $9,999.99

$1,000.00

0.15%

0.15%

6 month, $10,000.00 - $24.999.99

$10,000.00

0.20%

0.20%

6 month, $25,000.00 - $49,999.99

$25,000.00

0.25%

0.25%

6 month, $50,000.00 - $99,999.99

$50,000.00

0.30%

0.30%

6 month, $100,000.00 - $199,999.99

$100,000.00

0.35%

0.35%

6 month, $200,000.00 +

$200,000.00

0.40%

0.40%

12 month, Pathfinder**, $100.00 - $9,999.99

$100.00

0.50%

0.50%

12 month, Pathfinder**, $10,000.00 - $24,999.99

$10,000.00

0.55%

0.55%

12 month, Pathfinder**, $25,000.00 - $49,999.99

$25,000.00

0.60%

0.60%

12 month, Pathfinder**, $50,000.00 - $99,999.99

$50,000.00

0.65%

0.65%

12 month, Pathfinder**, $100,000.00 - $199,999.99

$100,000.00

0.70%

0.70%

12 month, Pathfinder**, $200,000.00 +

$200,000.00

0.75%

0.75%

12 month, $1,000.00 - $9,999.99

$1,000.00

0.50%

0.50%

12 month, $10,000.00-$24,999.99

$10,000.00

0.55%

0.55%

12 month, $25,000.00-$49,999.99

$25,000.00

0.60%

0.60%

12 month, $50,000.00 - $99,999.99

$50,000.00

0.65%

0.65%

12 month, $100,000.00 - $199,999.99

$100,000.00

0.70%

0.70%

12 month, $200,000.00 +

$200,000.00

0.75%

0.75%

18 month, $1,000.00 - $9,999.99***

$1,000.00

0.60%

0.60%

18 month, $10,000.00 - $24,999.99***

$10,000.00

0.65%

0.65%

18 month, $25,000.00 - $49,999.99***

$25,000.00

0.70%

0.70%

18 month, $50,000.00 - $99,999.99***

$50,000.00

0.75%

0.75%

18 month, $100,000.00 - $199,999.99***

$100,000.00

0.80%

0.80%

18 month, $200,000.00*** +

$200,000.00

0.85%

0.85%

24 month, $1,000.00 - $9,999.99

$1,000.00

0.85%

0.85%

24 month, $10,000.00 - $24,999.99

$10,000.00

0.90%

0.90%

24 month, $25,000.00 - $49,999.99

$25,000.00

0.95%

0.95%

24 month, $50,000.00 - $99,999.99

$50,000.00

1.00%

1.00%

24 month, $100,000.00 - $199,999.99

$100,000.00

1.05%

1.05%

24 month, $200,000.00 +

$200,000.00

1.10%

1.10%

36 month, $1,000.00 - $9,999.99

$1,000.00

1.00%

1.00%

36 month, $10,000.00 - $24,999.99

$10,000.00

1.10%

1.10%

36 month, $25,000.00 - $49,999.99

$25,000.00

1.20%

1.21%

36 month, $50,000.00 - $99,999.99

$50,000.00

1.25%

1.26%

36 month, $100,000.00 - $199,999.99

$100,000.00

1.30%

1.31%

36 month, $200,000.00 +

$200,000.00

1.35%

1.36%

48 month, $1,000.00 - $9,999.99

$1,000.00

1.25%

1.26%

48 month, $10,000.00 - $24,999.99

$10,000.00

1.35%

1.36%

48 month $25,000.00 - $49,999.99

$25,000.00

1.45%

1.46%

48 month, $50,000.00 - $99,999.99

$50,000.00

1.55%

1.56%

48 month, $100,000.00 - $199,999.99

$100,000.00

1.65%

1.66%

48 month, $200,000.00 +

$200,000.00

1.75%

1.76%

60 month, $1,000.00 - $9,999.99

$1,000.00

1.50%

1.51%

60 month, $10,000.00 - $24,999.99

$10,000.00

1.60%

1.61%

60 month, $25,000.00 - $49,999.99

$25,000.00

1.70%

1.71%

60 month, $50,000.00 - $99,999.99

$50,000.00

1.80%

1.81%

60 month, $100,000.00 - $199,999.99

$100,000.00

1.90%

1.91%

60 month, $200,000.00 +

$200,000.00

2.00%

2.02%

Health Savings

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2017

Minimum Opening Deposit: $10.00

The APY is a percentage rate that effects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. The Dividend Rate APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period.

The compounding and crediting of dividends and dividend period applicable to each account is set form in the Rate Free Schedule (above).The Dividend Period is the period of time at the end of which an account earns dividend credit. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends posted to the account on the last day of the month are based on the daily periodic method. For all accounts, dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account.

The minimum balance requirements applicable to each account are set forth in the Rate and Fee Schedule (above). For all accounts dividends are calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day. On Saving and Money Market accounts, no more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations your account may be subject to a fee or be closed. Annual Fee $10.00.

Federal regulation limits savings accounts 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.

$10.00

0.02%

0.02%

Visa® Platinum

APR on Purchases

APR on Cash Advances

Annual Fee

Rates Effective: December 1, 2017

Download the complete Visa® Credit Card Agreement and Disclosure 

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

9.25%

14.90%

$0.00

Visa® Classic

APR on Purchases

APR on Cash Advances

Annual Fee

Rates Effective: December 1, 2017

Download the complete Visa® Credit Card Agreement and Disclosure 

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

 

 

14.50% - 16.50%

17.50%

$10.00

Visa® Share Secured

APR on Purchases

APR on Cash Advances

Annual Fee

Rates Effective: December 1, 2017

Download the complete Visa® Credit Card Agreement and Disclosure 

How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau: To Learn more about factors to consider when applying for or using a credit card, visit the web site of the Consumer Financial Protection Bureau at consumerfinance.gov .

14.90%

18.00%

$25.00

Credit Card Fees

Fee

Amount

Foreign Transaction Fee

1.00% of each multiple currency transaction in U.S. dollars. 0.80% of each single currency transaction in U.S. dollars.

Late Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less, if you are seven (7) or more days late in making a payment.

Returned Payment Fee

$25.00 or the amount of the required minimum payment, whichever is less.

Statement Copy Fee

$5.00

Document Copy Fee

$6.00

Expedited Card Delivery Fee

$25.00

PIN Replacement Fee

$3.00

Card Replacement Fee

$5.00

Personal Loans & Lines of Credit

Term

Annual Percentage Rate

Rates Effective: June 1, 2018

Rate discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Up to 84 months

8.99% - 17.99%

Auto Loans

Term

Annual Percentage Rate

Rates Effective September 1, 2018

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:

  • .50% Recurring Automatic or ACH Payment Set-Up

The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. Terms and conditions apply and are subject to change. All loans are on approved credit.

Up to 60 months

3.49% - 16.89%

61-72 months

3.99% - 17.89%

73-84 months

4.49% - 14.49%

85-96 months

5.49% - 7.49%

Recreational and Equipment Loans

Term

Annual Percentage Rate

Rates Effective: September 1, 2018

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:

  • -.50% Recurring Automatic or ACH Payment Set-up

The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply. Filing Fees: You will be charged a lien filing fee at the time of the loan if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain lien on your property.

Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Up to 60 months

4.29% - 17.49%

61 to 84 months

4.99% - 17.99% (offered to A+ to E tiers)

85 - 120 months

4.99% - 17.99%  (offered to A+ to D tiers)

121 months and higher

5.49% - 13.74%  (offered to A+ to C tiers)

Credit Builder Loan

Term

Annual Percentage Rate

Rates Effective: January 1, 2018

Credit Builder Loan – designed to establish credit or rebuild credit. This product can be used to save as a down payment to purchase a vehicle or home. The loan proceeds are placed in your savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available to use.

Rate Discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Up to 12 months

9.99%

13 to 24 months

10.99%

35 to 36 months

11.99%

Up to 48 months

12.99%

Quick Loan

Term

Annual Percentage Rate

Rates Effective: January 1, 2018

$500 Minimum/Maximum Loan Amount

Rate Discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

The Quick Loan is a short term loan designed to help our members build credit or fund an emergency. It is a $500 loan that can be paid back within 4 months or 8 semi-monthly or bi-weekly payments. There is a $15.00 loan fee that is not refundable. This loan requires a Quick Loan Shares Account. When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Loan Shares Account. If the loan is in default, the balance in the Quick Loan Shares will be applied towards the unpaid balance. Monthly payments are estimated at $25.95 per $100 financed. When the loan is paid in full, the Quick Loan Shares balance will be released into your Regular Savings Account.

Qualifications to apply for a Quick Loan: Pacific Crest FCU membership must be open for 90 days. Pacific Crest FCU accounts must be in good standing. Members can apply for the Quick Loan only twice per year. There is a 30 day waiting period between Quick Loans.

Up to 4 months

18.00%

Safe Deposit Boxes

Box Size

Annual Rent

Rates Effective: December 1, 2017

Safe Deposit Boxes are available only at the South Klamath Branch, 6450 Galpin Lane, Klamath Falls, OR, 97603

3x5

$20.00

5x5

$30.00

3x10

$45.00

5x10

$55.00

11x10

$75.00

Service

Fee

Late Fee

$10.00

Security Key Deposit, Required Upon Opening

$10.00

Key Replacement

$10.00

Drilling and Lock Replacement

Actual Cost From Locksmith

Disclosures

All Visa® Cards are subject to approval.

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