Personal Rates
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
---|---|---|
No minimum balance. Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. Restrictions may apply. |
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N/A |
N/A |
N/A |
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield* |
---|---|---|
Rates Effective: January 1, 2023 * Must be eligible for membership and maintain at least $5.00 in your Membership Savings Account. In order to earn the dividends at the disclosed rate during each monthly qualification cycle: (a) Your Credit Union loans, if any, cannot be more than 14 days past due; and (b) at least 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and (c) You must consent to receive Your periodic statements electronically; and (d) You must have a minimum $5.00 balance in Your membership savings account. Only the funds that comprise each tier will earn the rate for that tier. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Restrictions may apply. |
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$0.01 - $10,000.00 |
2.96% |
3.00% |
$10,000.01 + |
0.02% |
3.00% - 1.01% |
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield** |
---|---|---|
Rates Effective: March 1, 2022 ** Pathfinder accounts are for members 17 years and younger. Must be eligible for membership and maintain at least $5.00 in your Pathfinder Savings Account. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration date and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Restrictions may apply. |
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$0.01 - $1,000.00 |
1.00% |
1.00% |
$1,000.01 + |
0.02% |
1.00% - 0.11% |
Account Type |
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
---|---|---|---|
Rates Effective: January 1, 2023 Minimum Opening Deposit: $5 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). **Pathfinder Savings is for members below 18 years of age. |
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Membership Savings |
$5.00 |
0.02% |
0.02% |
Additional Savings |
$5.00 |
0.02% |
0.02% |
Annual Savings* |
$5.00 |
1.00% |
1.00% |
Pathfinder Savings** |
$5.00 - $2,000.00 |
2.00% |
2.01% |
Pathfinder Savings** |
$2,000.01 + |
0.02% |
2.01% - 0.35% |
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
---|---|---|
Rates Effective: January 1, 2023 The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration and may change at any time after account opening as determined by our Board of Directors. All deposited funds earn the rate for the tier. Fees may reduce earnings. |
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$1,000.00-$9,999.99 |
0.10% |
0.10% |
$10,000.00-$24,999.99 |
0.15% |
0.15% |
$25,000.00-$49,999.99 |
0.20% |
0.20% |
$50,000.00-$99,999.99 |
0.25% |
0.25% |
$100,000.00-$199,999.99 |
0.30% |
0.30% |
$200,000.00 + |
0.35% |
0.35% |
Term and Balance |
Min. Opening Deposit |
Dividend Rate |
APY* |
---|---|---|---|
Rates Effective: January 1, 2023 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 monthly. At account opening, you may choose to have accrued dividends transferred to your savings or checking account. 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 Certificates 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. |
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6 month, $1,000.00 - $9,999.99 |
$1,000.00 |
0.10% |
0.10% |
6 month, $10,000.00 - $24.999.99 |
$10,000.00 |
0.15% |
0.15% |
6 month, $25,000.00 - $49,999.99 |
$25,000.00 |
0.20% |
0.20% |
6 month, $50,000.00 - $99,999.99 |
$50,000.00 |
0.25% |
0.25% |
6 month, $100,000.00 - $199,999.99 |
$100,000.00 |
0.30% |
0.30% |
6 month, $200,000.00 + |
$200,000.00 |
0.35% |
0.35% |
12 month, Pathfinder**, $100.00 - $4,999.99 |
$100.00 |
3.00% |
3.04% |
12 month, Pathfinder**, $5,000.00 + |
$100.00 |
0.05% |
3.04% - 1.05% |
12 month, $1,000.00 - $9,999.99 |
$1,000.00 |
0.25% |
0.25% |
12 month, $10,000.00-$24,999.99 |
$10,000.00 |
0.25% |
0.25% |
12 month, $25,000.00-$49,999.99 |
$25,000.00 |
0.25% |
0.25% |
12 month, $50,000.00 - $99,999.99 |
$50,000.00 |
0.30% |
0.30% |
12 month, $100,000.00 - $199,999.99 |
$100,000.00 |
0.35% |
0.35% |
12 month, $200,000.00 + |
$200,000.00 |
0.40% |
0.40% |
18 month, $1,000.00 - $9,999.99*** |
$1,000.00 |
0.30% |
0.30% |
18 month, $10,000.00 - $24,999.99*** |
$10,000.00 |
0.35% |
0.35% |
18 month, $25,000.00 - $49,999.99*** |
$25,000.00 |
0.40% |
0.40% |
18 month, $50,000.00 - $99,999.99*** |
$50,000.00 |
0.50% |
0.50% |
18 month, $100,000.00 - $199,999.99*** |
$100,000.00 |
0.60% |
0.60% |
18 month, $200,000.00*** + |
$200,000.00 |
0.70% |
0.70% |
24 month, $1,000.00 - $9,999.99 |
$1,000.00 |
1.00% |
1.00% |
24 month, $10,000.00 - $24,999.99 |
$10,000.00 |
1.09% |
1.10% |
24 month, $25,000.00 - $49,999.99 |
$25,000.00 |
1.19% |
1.20% |
24 month, $50,000.00 - $99,999.99 |
$50,000.00 |
1.29% |
1.30% |
24 month, $100,000.00 - $199,999.99 |
$100,000.00 |
1.39% |
1.40% |
24 month, $200,000.00 + |
$200,000.00 |
1.49% |
1.50% |
36 month, $1,000.00 - $9,999.99 |
$1,000.00 |
1.09% |
1.10% |
36 month, $10,000.00 - $24,999.99 |
$10,000.00 |
1.19% |
1.20% |
36 month, $25,000.00 - $49,999.99 |
$25,000.00 |
1.29% |
1.30% |
36 month, $50,000.00 - $99,999.99 |
$50,000.00 |
1.39% |
1.40% |
36 month, $100,000.00 - $199,999.99 |
$100,000.00 |
1.49% |
1.50% |
36 month, $200,000.00 + |
$200,000.00 |
1.59% |
1.60% |
48 month, $1,000.00 - $9,999.99 |
$1,000.00 |
1.19% |
1.20% |
48 month, $10,000.00 - $24,999.99 |
$10,000.00 |
1.29% |
1.30% |
48 month $25,000.00 - $49,999.99 |
$25,000.00 |
1.39% |
1.40% |
48 month, $50,000.00 - $99,999.99 |
$50,000.00 |
1.49% |
1.50% |
48 month, $100,000.00 - $199,999.99 |
$100,000.00 |
1.59% |
1.60% |
48 month, $200,000.00 + |
$200,000.00 |
1.69% |
1.70% |
60 month, $1,000.00 - $9,999.99 |
$1,000.00 |
1.29% |
1.30% |
60 month, $10,000.00 - $24,999.99 |
$10,000.00 |
1.39% |
1.40% |
60 month, $25,000.00 - $49,999.99 |
$25,000.00 |
1.49% |
1.50% |
60 month, $50,000.00 - $99,999.99 |
$50,000.00 |
1.59% |
1.60% |
60 month, $100,000.00 - $199,999.99 |
$100,000.00 |
1.69% |
1.70% |
60 month, $200,000.00 + |
$200,000.00 |
1.79% |
1.80% |
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
---|---|---|
Rates Effective: March 1, 2022 Minimum Opening Deposit: $10.00 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. 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. |
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$10.00 |
0.02% |
0.02% |
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
---|---|---|---|
Rates Effective: January 1, 2023 View important Credit Card Disclosures How to Avoid Paying Interest on Purchases: Your due date is at least 25 days following Your statement closing date. We will not charge You interest on purchases if You pay Your entire balance owed each month by Your payment due date. 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 website of the Consumer Financial Protection Bureau at consumerfinance.gov . ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. |
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7.99% - 16.99% |
0.00% Intro Rate until September 30, 2023 and 7.99%-16.99% after that ** |
9.99% - 17.99% |
None |
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
---|---|---|---|
Rates Effective: January 1, 2023 View important Credit Card Disclosures ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. 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 . |
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14.90% |
0.00% Intro Rate until September 30, 2023 and 14.90% after that ** |
18.00% |
$25.00 |
APR on Purchases |
APR on Balance Transfers |
APR on Cash Advances |
Annual Fee |
---|---|---|---|
Rates Effective: January 1, 2023 View important Credit Card Disclosures 1VISA® Cashback Credit Card Program Terms Transactions Qualifying for Rewards Awarding of Cashback Rewards Program Limitations and Conditions. ** Intro Rate Terms and Conditions: 0% Introductory APR applies to balance transfer requests made between January 3, 2023 and March 31, 2023 that have been approved and processed through Pacific Crest FCU. After March 31, 2023 your standard Balance Transfer APR will apply to new balance transfers. The introductory APR will continue to apply to any remaining introductory balance transfer through the billing cycle that ends in September 2023. The promotional APR cannot be applied to any existing balances on your account or balance transfers made from other Pacific Crest FCU credit cards. Balance transfer amounts must not exceed the available credit limit of the account. Requests over the available credit limit will be declined and must be resubmitted for a lesser amount. Balance transfer requests may take up to 30 days to process. We reserve the right not to process Balance Transfer requests for any reason. How to Avoid Paying Interest on Purchases: Your due date is at least 25 days following Your statement closing date. We will not charge You interest on purchases if You pay Your entire balance owed each month by Your payment due date. 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 . |
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9.99% - 17.99% |
0.00% Intro Rate until September 30, 2023 and 9.99%-17.99% after that ** |
11.99% - 17.99% |
None |
Fee |
Amount |
---|---|
Fees Effective: November 13, 2020 |
|
Foreign Transaction Fee |
1.00% of each foreign currency transaction in U.S. Dollars. 1.00% of each US Dollar transaction that occurs in a foreign country. |
Late Payment Fee |
Up to $25.00 |
Returned Payment Fee |
Up to $25.00 |
Statement Copy Fee |
$5.00 |
Document Copy Fee |
$6.00 |
Card Replacement Fee |
Free |
Expedited Card Delivery Fee |
up to $60.00 |
Loan Type |
Term |
Annual Percentage Rate |
---|---|---|
Rates Effective: January 1, 2023 Upon approved credit. Restrictions apply to refinancing existing PCFCU loans, contact us at 541.850.7799 for additional information. Credit Union membership is required. 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. Internal Refinance for a Personal Loan requires $500 New Money. |
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Personal Loan |
Up to 84 months |
10.99% - 17.99% |
Line of Credit |
N/A |
10.99% - 17.99% |
Term |
Annual Percentage Rate |
---|---|
You may qualify for 3 months with no payments* Rates Effective: January 15, 2023 Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having 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. 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. * Qualification is based on creditworthiness. Finance charges will continue to accrue. |
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Up to 40 months |
5.49% - 18.00% |
41 to 52 months |
5.79% - 18.00% |
53 to 64 months |
5.99% - 18.00% |
65 to 76 months |
6.49% - 18.00% |
77 to 84 months |
6.99% - 18.00% |
Term |
Annual Percentage Rate |
---|---|
Rates Effective: January 1, 2023 Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having 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 a 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. * Qualification is based on creditworthiness. Finance charges will continue to accrue. |
|
Up to 64 months |
5.79% - 18.00% |
65 to 84 months |
6.29% - 18.00% (offered to A+ to E tiers) |
85 to 120 months |
7.29% - 18.00% (offered to A+ to D tiers) |
121 to 144 months |
7.49% - 16.79% (offered to A+ to C tiers) |
145 to 180 months |
8.29% - 17.79% (offered to A+ to C tiers) |
Term |
Annual Percentage Rate |
---|---|
Rates Effective: January 1, 2023 Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having 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. A new Power Sport Vehicle is a vehicle model year 2020 or newer, or a vehicle not previously titled. Minimum manufacturer’s suggested retail price $25,000.00 for 73 – 84 Month Terms. 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 40 months |
5.49% - 18.00% |
41 to 64 months |
7.49% - 18.00% |
65 to 76 months |
8.99% - 18.00% |
77 to 84 months |
9.99% - 10.99% |
Term |
Annual Percentage Rate |
---|---|
Rates Effective: January 1, 2023 Call or stop by your local branch for current account disclosures. The above rates include a 0.50% discount for having 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 28 months |
5.99% - 18.00% |
29 to 40 months |
6.99% - 18.00% |
41 to 52 months |
7.99% - 18.00% |
53 to 70 months |
9.29% - 11.29% |
Term |
Annual Percentage Rate |
---|---|
Rates Effective: February 1, 2022 Compass Credit Builder is designed to help you build credit history. The loan proceeds are placed in an additional 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. |
|
13 months |
3.00% |
25 months |
3.00% |
Term |
Annual Percentage Rate |
---|---|
Rates Effective: January 1, 2020 $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% |
Box Size |
Annual Rent |
---|---|
Rates Effective: August 30, 2022 Safe Deposit Boxes are available only at the South Klamath Branch, 6450 Galpin Lane, Klamath Falls, OR, 97603 |
|
3x5x24 |
$20.00 |
5x5x24 |
$30.00 |
3x10x24 |
$45.00 |
5x10x24 |
$55.00 |
11x10x24 |
$75.00 |
Service |
Fee |
Rental Late Fee |
$10.00 |
Non-Refundable Key Fee (collected at opening) |
$10.00 |
Drilling and Lock/Key Replacement |
Actual Cost From Locksmith |
Disclosures
All Visa® Cards are subject to approval.