Personal Rates

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.

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.

Rates Effective: January 1, 2023

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).

**Pathfinder Savings is for members below 18 years of age.

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.

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.

Rates Effective: January 1, 2023

View important Credit Card Disclosures

¹VISA® Cashback Credit Card Program Terms
Pacific Crest Federal Credit Union (Credit Union) VISA Cashback Credit Card is governed by the following terms and conditions. By enrolling in the Visa^® Cashback program, you (Participant) agree to these terms and conditions.

Transactions Qualifying for Rewards
Cashback Rewards (Rewards) are paid based on Net Purchases. “Net Purchases” are the total Qualifying Purchases made with your enrolled credit card, less any returns, credits or adjustments that are not payments. A “Qualifying Purchase” is any purchase made with your enrolled credit card other than the excluded transactions described below.
The following transactions are NOT Qualifying Purchases and therefore Rewards are not awarded on them: fraudulent purchases, finance charges, other charges, fees, debt protection fees, or cash advances of any kind, including balance transfers, convenience checks, automated teller machine (ATM) and teller withdrawals, and wire transfers.

Awarding of Cashback Rewards
Rewards accrue at 1.00% of the Net Purchases made during a billing cycle. Rewards begin to accumulate with purchases you make beginning on the first day of the billing cycle and ending on the last day of the last billing cycle. Rewards are deposited to your Credit Union Membership Savings Account each month. Rewards accruals are calculated at the end of each billing cycle and will appear on your Membership Savings Account monthly statement. The maximum Reward payable for any billing cycle is $250.00. Rewards do not carry over to future billing cycles.

Program Limitations and Conditions.
We reserve the right to verify and adjust Rewards at any time. If you or we close your enrolled credit card or terminate your participation in the Program, all unpaid Rewards will be forfeited even if your credit card is later reopened or you re-enroll in the Program. Rewards are not transferable and cannot be bought, sold, or credited as payment on your credit card account. Rewards are not your property and have no cash value until deposited into your Membership Savings Account. Any Rewards balance remains the property of the Credit Union until redeemed. Any questions as to what constitutes a Qualifying Purchase shall be resolved at the sole discretion of the Credit Union.
Additionally, a minimum balance of $5.00 is required in your Membership Savings account on the last day of the billing cycle to earn rewards. We reserve the right to refuse Rewards if any of your Credit Union loan accounts are past due, delinquent, or otherwise not in good standing, as determined by the Credit Union. Rewards may be forfeited due to Program Rules violations. This Program is void where prohibited or restricted by law. Participant is responsible for any federal, state or local income or other taxes or gratuities, if applicable. The laws of the State of Oregon govern the Program and these Program Rules.

** 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 .

Fees Effective: November 13, 2020

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.

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.