|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Pacific Crest SB Rates & Review November 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 and Verified: November 6, 2026
Pacific Crest SB's CD - 2 year rates are at 4.25%, CD - 1 year rates are at 4.20%, CD - 6-Month rates are at 3.50%, CD - 3 year rates are at 3.40%, CD - 4 year rates are at 3.40%. Pacific Crest SB's money market rates are at 3.25%. Pacific Crest SB's checking rates are as high as 0.25%. Pacific Crest SB's top CD rate of 4.25% APY on a 2 year CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Pacific Crest SB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.40%. Rates last updated and verified on 11/06/2026. Pacific Crest SB 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 SB? Share your experience about Pacific Crest SB by leaving a review below, or read customer reviews before you decide to use Pacific Crest SB. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Pacific Crest SB CD Rates
Pacific Crest SB Money Market Rates
Pacific Crest SB Checking Rates
Pacific Crest SB Business Checking Rates
Financial Health HistoryPacific Crest SB’s Texas Ratio fell from 4.95% in Q3 2023 to 3.40% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Pacific Crest SB is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Pacific Crest SB 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 SB's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Pacific Crest SB
Website
https://www.paccrest.com
Address
3500 188th St Sw,
Lynnwood, WA 98037 · Snohomish
Bank Holding Company
PACIFIC CREST BCORP INC
FDIC Certificate #
34585
Regulator
FDIC
Established
January 2, 1998
FDIC Insurance Date
January 2, 1998
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.40%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.5912%
Return on Equity (ROE)
5.7700%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
$318,490,000
Total Deposits
$239,883,000
Equity Capital
$33,718,000
Net Income
$951,000
Headquarters
Lynnwood
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Pacific Crest SB yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Pacific Crest SB
Frequently Asked Questions About Pacific Crest SBDoes Pacific Crest SB offer CDs?Yes. Pacific Crest SB current CD rates include its CD - 2 year at 4.25% APY, its CD - 1 year at 4.20% APY and its CD - 6-Month at 3.50% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Pacific Crest SB FDIC insured?Yes. Pacific Crest SB is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Pacific Crest SB?The highest Pacific Crest SB CD rate is its Certificates Of Deposit - 2 year at 4.25% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Pacific Crest SB offer?Pacific Crest SB CD rates are 3.50% APY for a 6 month CD, 4.20% APY for a 12 month CD, 4.25% APY for a 2 year CD, 3.40% APY for a 3 year CD, 3.40% APY for a 4 year CD and 3.40% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Pacific Crest SB for its full lineup. What is the highest money market rate at Pacific Crest SB?The highest Pacific Crest SB money market rate is its Money Market Account at 3.25% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Pacific Crest SB?The highest Pacific Crest SB checking rate is its Business Interest Checking at 0.25% APY, verified by MonitorBankRates as of November 6, 2026. How many branches does Pacific Crest SB operate?Pacific Crest SB currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Pacific Crest SB 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 SB provides members with tools to manage their accounts and build a solid financial history. Does Pacific Crest SB offer online and mobile banking?Most modern institutions like Pacific Crest SB 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.paccrest.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Pacific Crest SB rates compare?Pacific Crest SB's top CD rate of 4.25% APY on a 2 year CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Pacific Crest SB's top rates are its Certificates Of Deposit - 2 year at 4.25% APY, its Money Market Account at 3.25% APY and its Business Interest Checking at 0.25% APY, verified by MonitorBankRates on November 6, 2026. Current Pacific Crest SB Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Shelby Savings Bank, SSB
Grand Bank for Savings
AVB Bank
Commercial Bank Ithaca, MI
First State Bank of Fountain
PeoplesBank
The Peoples Bank Sardis, TN
Citizens State Bank Woodville, TX
American Heritage National Bank
MA Bank
HomePride Bank
TTNB Turbotville Bank
Lakeside Bank
Second Federal S&L
West Texas National Bank
FNB of Sterling City
Town & Country Bank Midwest
The First National Bank of Aspermont
First Century Bank, N.A.
Oconee Federal S&L
Carver State Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
