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iAdvertiser Disclosure
Advertiser Disclosure
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 Pacific Crest Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
Pacific Crest Federal Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Pacific Crest Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.20%. Rates were last updated on 04/23/2026. Pacific Crest Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Pacific Crest Federal Credit Union? Share your experience about Pacific Crest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pacific Crest Federal Credit Union. Pacific Crest Federal Credit Union
Pacific Crest FCU 2972 Washburn Way
https://www.mypcfcu.org Klamath Falls, OR 97603 
Pacific Crest Federal Credit Union Auto Loan Rates
Pacific Crest Federal Credit Union Credit Card Rates
Pacific Crest Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Pacific Crest Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Pacific Crest Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Pacific Crest Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Pacific Crest Federal Credit Union
Website
https://www.mypcfcu.org
Address
2972 Washburn Way,
Klamath Falls, OR 97603
Phone
541-884-1376
Fax
541-885-8018
President
Karen Devore
CEO
Chad Olney
Full-Time Employees
93
Part-Time Employees
4
Branch Locations
8
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.20%
Return on Assets (ROA)
0.5980%
Return on Equity (ROE)
6.0813%
Non-Performing Loans Ratio (NPL)
0.60%
Total Assets
378,330,434
Total Amount of Shares and Deposits
338,110,139
Total Shares and Deposits < 1 Year
312,669,394
Total Shares and Deposits 1 3 Years
20,343,876
Total Shares and Deposits > 3 Years
5,096,869
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
30,054,355
Total Uninsured Shares and Deposits > $250K (F+J)
30,054,355
Total Insured Shares and Deposits > $250K (item 17 less item K)
308,055,784
Total Interest Expense (Sum of items 6 8)
1,810,402
Share Certificates
1,042
Number of Accounts for Share Drafts
18,067
IRA KEOGH Accounts
427
Number of Accounts for Regular Shares
29,757
All other shares
71
Money Market Shares
880
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,998,123
Total Liabilities
341,101,761
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Pacific Crest Federal Credit UnionIs Pacific Crest Federal Credit Union a safe place to deposit money?Yes, Pacific Crest Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.2004928179682%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Pacific Crest Federal Credit Union operate?Pacific Crest Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Pacific Crest Federal Credit Union?Yes, to access services at Pacific Crest Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Pacific Crest Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Pacific Crest Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Pacific Crest Federal Credit Union offer online and mobile banking?Most modern institutions like Pacific Crest Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mypcfcu.org. Compare to Other Credit Unions
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