Traditional | Roth

Retirement Savings

Staff with members

Take control of your future

Whether you’re just now setting out to save for retirement, or you’ve been making progress on that trail for a long time, we offer individual retirement accounts (IRAs) to meet your needs.

Traditional IRA

Deposit savings before taxes, lowering what you owe the IRS this year. Later, when you retire, you can withdraw your money and pay taxes on it then, when you may be in a lower tax bracket.

Roth IRA

Deposit money that you’ve already paid taxes on, and the interest you earn over the years can grow tax-free. When you’re ready to retire, 100% of your withdrawal is yours to keep.


Trail Notes

If you’re in the prime of your career or building in that direction, your income is probably higher now than it will be when you retire. As a result, you’re in a higher tax bracket now than you will be later. This means that if you pay taxes on your savings now, while setting money aside, you’ll pay a higher percentage than if you wait. A Traditional IRA is designed to let you save tax-deferred for this reason.

If you pay taxes on your savings before setting the money aside, then every penny in your account belongs to you. If you’re able to grow that money over the course of several decades, any return on investment you receive will be yours, tax-free, as well. A Roth IRA is designed to let your money grow tax-free for this reason.

Let’s get started

Today’s rates

IRA, Roth IRA, and SEP IRA

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: March 1, 2022

Minimum Opening Deposit: $10.00
Annual Fee: $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 Daily Balance method, which applies a daily periodic.
Dividends will be compounded quarterly and will be credited to your account quarterly.




We’re a credit union. We’re your community.

Pacific Crest isn’t a bank. We’re a financial co-op owned by 16,000+ people in the Klamath Basin and surrounding rural communities. In 2018 alone, we returned a financial benefit of over $23 million to our home and yours — by reaching out, giving back, and paying it forward.

Reaching out & building partnerships

Reaching out

At Pacific Crest, we build partnerships and provide services designed to make a difference, while devoting hundreds of volunteer hours every year to good causes.

Community involvement »

Giving back & donating to community

Giving back

We search for organizations that are making a positive impact in our communities, whose work has a ripple effect, and put our dollars where it means the most.

Donations »

Paying it forward with scholarships

Paying it forward

To help deserving students make a difference, we offer four $1,000 annual scholarships inspired by board members who made a difference at Pacific Crest.

Scholarships »

What is it like to be a member at Pacific Crest?

Ready to set out?

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Disclosures financial calculators are provided as a free service to our users. The information supplied by these calculators is from sources and based on calculations that we believe to be reliable, but no guarantee, explicit or implied, is made regarding their accuracy or applicability to your specific circumstances. All examples are hypothetical and are for illustrative purposes, and are not intended to provide investment advice. Neither Pacific Crest Federal Credit Union nor accept any liability for loss or damage whatsoever, which may be attributable to the reliance on and use of the calculators. Use of any calculator shall constitute acceptance of the terms of this agreement. We urge you to consider finding a qualified professional for advice with regard to your personal finance issues.

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