Personal Banking



With Crest Free Checking, Crest Incentive Checking, and Crest Custom Checking, you're bound to find the options you need with Pacific Crest Federal Credit Union. With Crest Free Checking you get unlimited check writing, personal online banking, Call24 services, a Visa Check Card, combined statements, and overdraft protection for free! Not enough? Crest Incentive Checking will give you certificate like rates as long as you qualify.



Pacific Crest Federal Credit Union offers a wide range of Savings Account to fit your specific needs. Our most fundamental savings tool is Share Savings, which gives you access to our full range of credit union products and services including:

  • Payroll deduction / direct deposit
  • Can be used as loan collateral or overdraft protection
  • Electronic access through ATM's, Call24, or Online Banking
  • Free $2,000.00 group accident insurance benefits to members 18 and over
  • There's also Special Purpose Savings Accounts, Money Market Share Accounts, Certificates, IRA's, Savings Bonds, and Health Savings Accounts (HSA's).



Pacific Crest Federal Credit Union makes borrowing money easy. We provide smart choices with competitive rates, flexible terms, and efficient service.

Overdraft Protection


Pacific Crest’s Overdraft Protection gives you peace of mind, knowing that your checking account is covered. We offer solutions to link Overdraft Protection to your Pacific Crest Checking account through a Line-of-Credit or Pacific Crest Visa® Credit Card. You can rest easy knowing that your accounts are safe from overdraft fees and bounced checks. We do not charge you a fee for transferring money from your Overdraft Protection to your checking account. You only pay the small amount of interest that accrues on your Line-of-Credit or Visa® for the time that a balance remains on the loan.

Unexpected situations come up and that is where Pacific Crest can help. Apply today for your Overdraft Protection by calling 541-850-7799 or 1-800-570-0265.

VISA® Debit Cards


A Pacific Crest Visa® Check Card offers you credit card convenience, without credit card interest.

Direct Deposit (ACH) Q&A


Frequently Asked questions regarding Direct Deposit with Pacific Crest.