Lending Solutions
We make borrowing easy.
We provide smart choices with competitive rates, flexible terms, and efficient service. Loans are processed for existing members or eligible members of Pacific Crest Federal Credit Union. Receive rate discounts for direct deposit or payroll deduction.
View current loan rates
Apply for a loan
Vehicle Loans
- New or used vehicles.
- 100% financing available.
- Pre-approval gives you buying power.
For those members that prefer to order a specific car, Auto Solutions can search for the best deal and bring the car to the credit union. It saves time and money out of your busy schedule.
Credit Cards
Purchase Power.
Pacific Crest is here to give you the credit you deserve. Our selection of low-rate Visa® credit cards gives you the purchasing power and convenience you need - at millions of locations around the globe. Whatever card you choose, our Pacific Crest credit cards are backed by the reliability and security of Visa®. You won't be liable for fraudulent purchases in the event that your card is lost or stolen.
Platinum Visa®
|
Classic Visa®
|
Secure Visa®
|
- Credit limits up to $25,000.
- No annual fee.
- $500,000 Common Carrier Travel Coverage.
|
- Low annual fee.
- $250,000 Common Carrier Travel Coverage.
|
- Lets you establish or re-establish credit.
- Credit limits secured by 125% of funds in share account, up to $5,000.
- Low annual fee.
- $250,000 Common Carrier Travel Coverage.
|
Real Estate Loans
The real estate loans at Pacific Crest Federal Credit Union offer outstanding flexibility combined with competitive rates, for a payment that fits your life perfectly. Because loan interest rates may be tax deductible**, real estate loans are a smart borrowing choice.
- Competitive rates.
- Conventional First Mortgages.
- Second Mortgages.
- Home Refinancing.
- Non-owner occupied, owner occupied, 1-4 units, vacation or second.
- Manufactured Home and land packages.
- Free pre-qualifications.
- Apply now at our new Online Mortgage Center.
Home Equity and Lines of Credit Loans
Get even lower loan rates.
Pacific Crest can help you use the equity you already have in your home to give you money for any major purchase. By using equity you've built in your home as collateral, you have access to financing rates that are even lower than our already incredibly low loan rates!
Home Equity Loan
Finance a lump sum at a fixes or variable interest rate.
Home Equity Line of Credit
Finance the amount you need when you need it, up to a preset limit.
Signature Or Line of Credit
Pacific Crest offers unsecured, closed-end loans and open-end lines of credit to give you the extra cash you need for a variety of expenses or even for debt consolidation, up to $10,000.00. A Signature Line of Credit will give you a payment that varies according to the balance, and can be used as Overdraft protection.
Secured Loans
- Extra-low loan rate.
- Money or Certificate borrowed against continues to earn dividends.
- Guaranteed approval.
*Please speak to a member service representative about restrictive qualifications and boundaries that apply to all mortgage loan products. **Consult your tax advisor.
