Loans with Pacific Crest

Lending Solutions

We make borrowing easy

We provide smart choices with competitive rates, flexible terms, and efficient service. Loans are processed for existing members or eligible members of Pacific Crest Federal Credit Union. Receive rate discounts for direct deposit or payroll deduction.

Vehicle Loans

  • New or used vehicles.
  • 100% financing available.
  • Pre-approval gives you buying power.

Home Mortgage Loans

  • Home Purchase or Refinance
  • Conventional Mortgage Loans – Fixed Rates and Adjustable Rates
  • Government Loans – USDA, VA, FHA (Little to no down payment)
  • Construction Loans/Land Package
  • Land Purchase Loans
  • Manufactured Homes/Land Package
  • Commercial Real Estate Loans

Home Equity Line-of-Credit (HELOC’s)

Pacific Crest can help you use the equity in your home for debt consolidation, home repairs/remodel, or a major purchase, at a low rate!  NMLS# 412720

  • HELOC – Reusable credit limit amount available when you need it.
  • Home Equity Term Loan – Finance a lump sum at a fixed rate. 

For all your Real Estate financing needs, Pacific Crest FCU is here to help.  Please contact:

  • Mortgages:  Michael Meservey, NMLS# 368699, 541-850-7763
  • Home Equity Loans:  Sherry Preston, NMLS# 1396612, 541-850-7741

Credit Cards 

Purchase Power

Pacific Crest is here to give you the credit you deserve. Our selection of low-rate Visa® credit cards gives you the purchasing power and convenience you need - at millions of locations around the globe. Whatever card you choose, our Pacific Crest credit cards are backed by the reliability and security of Visa®. You won't be liable for fraudulent purchases in the event that your card is lost or stolen.

Overdraft Protection
Protect your Pacific Crest checking accounts by linking your Pacific Crest Visa® to cover your checking account overdrafts. This convenient service will save you money and provide peace of mind in taking care of those checking account mistakes or emergencies. Contact your branch or call 1-800-570-0265.

Platinum Visa®

  • Credit limits up to $25,000.
  • No annual fee.
  • $500,000 Common Carrier Travel Coverage.
  • Overdraft Protection.

Classic Visa®

  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.
  • Overdraft Protection.

Secure Visa®

  • Lets you establish or re-establish credit.
  • Credit limits secured by 100% of funds in share account, up to $5,000.
  • Low annual fee.
  • $250,000 Common Carrier Travel Coverage.
  • Overdraft Protection.

EMV Cards (Chip Cards)

View Frequently Asked Questions (FAQs) regarding EMV Cards / chip cards

Secured Loans

  • Extra-low loan rate.
  • Money or Certificate borrowed against continues to earn dividends.
  • Guaranteed approval.

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.

Quick Loan

  • 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 payments.
  • This loan requires a Quick Savings Account.
  • When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Savings Account.