ANNUAL | MONEY MARKET | IRA | HEALTH

Savings Accounts

Savings

Savings accounts for every stage of life

Saving is the foundation of financial wellness. Start with a $5 membership account and then explore all the ways to save, from youth accounts all the way to retirement savings.

Membership Savings

$5 to open

  • No monthly service fees
  • Convenient access through myPCFCU app

Looking for Pathfinder Youth Accounts?

Annual Savings

Save for Yearly Expenses

  • Earns dividends yearly
  • Competitive dividend rate
  • Commonly used for taxes and vacations
  • No monthly service fees

Money Market

High Balance Savings

  • Competitive dividend rates
  • $1,000 minimum to open
  • Tiered rates based on amount

Health Savings

Medical Expenses

  • Health Checking account available (with debit card)
  • $10 annual fee
  • Tax advantaged account for medical expenses

Subject to IRS limitations, please consult your tax advisor. Restrictions may apply to the debit card.

Individual Retirement Account (IRA)

Retirement

  • Traditional, Roth, and SEP available
  • $10 annual fee
  • Tax advantaged retirement account

Subject to IRS limitations, please consult your tax advisor

Coverdell ESA

Education Savings

  • Tax advantaged account to save for education expenses
  • Save for educational expenses for members under 18, or adults with special needs
  • $10 annual fee

Subject to IRS limitations, please consult your tax advisor

Today's rates

Savings Accounts

Account Type

Balance to Open & Earn APY

Dividend Rate

APY

Rates Effective: June 1, 2023

APY=Annual Percentage Yield. The dividend rates and Annual Percentage Yields are accurate as of the last dividend declaration and may change at any time after account opening as determined by our Board of Directors. Fees may reduce earnings. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

* Pathfinder accounts are for members 17 years and younger. Only the funds that comprise each tier will earn the rate for that tier.

** Account is subject to limitations imposed by the Internal Revenue Service, please consult tax advisor for additional information. Account plan fees may apply.

Membership Savings

$5.00

0.02%

0.02%

Additional Savings

$5.00

0.02%

0.02%

Annual Savings

$5.00

1.00%

1.00%

Pathfinder Savings*

$5.00 – $2,000.00

2.00%

2.01%

$2,000.01 +

0.02%

2.01% – 0.35%

Health Savings**

$10.00

0.02%

0.02%

Coverdell ESA Savings**

$10.00

0.50%

0.50%

Traditional, ROTH, & SEP IRA Savings**

$10.00

0.50%

0.50%

Money Market

Balance to Earn APY

Dividend Rate

APY

Rates Effective: June 1, 2023

APY=Annual Percentage Yield. The Dividend Rates and Annual Percentage Yields are accurate as of the last dividend declaration and may change at any time after account opening as determined by our Board of Directors. All deposited funds earn the rate for the tier. Fees may reduce earnings. The minimum opening deposit is $1,000.00. To avoid a monthly fee, an average daily balance of at least $1,000.00 must be maintained during the dividend period. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.

$1,000.00 – $9,999.99

0.50%

0.50%

$10,000.00 – $24,999.99

0.70%

0.70%

$25,000.00 – $49,999.99

0.85%

0.85%

$50,000.00 – $99,999.99

1.00%

1.00%

$100,000.00 – $199,999.99

1.09%

1.10%

$200,000.00 +

1.19%

1.20%

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We’re people helping people.

Together we’re a credit union.

 

Pacific Crest is a not-for-profit financial co-op owned by over 24,000 regular people in the Klamath Basin and surrounding rural communities. We don’t have to worry about pleasing stockholders so we’re able to focus our efforts on our communities — by reaching out, giving back, and paying it forward.  Learn more about our Community Impact.

Community collage

  • 2023 Volunteer Hours
    3,129

    Our staff serves on various boards, committees, and volunteers at many community events.

  • 2023 Local Donations
    $137k

    We support more than 35 local organizations that have a big impact on the area.

  • 2023 Employee Donations
    $5,271

    Employees can personally support charities through our Casual For Community program.

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