Retirement Savings
Personal Accounts & Cards

Retirement Savings

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.

Take control of your future

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.

Calculator

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.

It depends on your circumstances and your goals. If you’re not sure, contact us. We can put you in touch with a member of our knowledgeable team, with the expertise to make recommendations appropriate to your situation.

Let’s get started

Visit a branch.
Find a location
Apply for a Traditional or Roth IRA online.
Apply online

(541) 810-6973
WRSG@mypcfcu.org

Investment services to help you reach your goals.

In addition to member savings, which are federally insured by NCUA, we also offer investment services through our our partnership with CUSO Financial Services, L.P.1 — putting you in touch with a wider variety of uninsured investment products to help you meet your goals.

Investment Services

Today’s rates

Traditional IRA, Roth IRA, SEP IRA, and Roth Conversion IRA Share Accounts

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: December 1, 2017

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 monthly and will be credited to your account monthly.

$5.00-$999.99

0.02%

0.02%

$1,000.00-$1,999.99

0.02%

0.02%

$2,000.00-$9,999.99

0.02%

0.02%

$10,000.00-$19,999.99

0.02%

0.02%

$20,000.00

0.02%

0.02%

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

Pacific Crest isn’t just a bank. We’re a financial co-op owned by 15,000+ people in the Klamath Basin and surrounding rural communities. In 2016 alone, we returned a financial benefit of over $16 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?

Visit a branch.
Find a location
Apply for a Traditional or Roth IRA online.
Apply here
Call or email.

(541) 810-6973
WRSG@mypcfuc.org

Disclosures

CULookup.com 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 CULookup.com 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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