Our goal is to be your primary financial partner. We don't just offer high savings rates and low lending rates throughout our comprehensive range of flexible financial products. We also offer many convenient ways for our members to access their funds. Plus, our members can expect quality, personalized and informed service at each of our branches. When you become a Pacific Crest member, you're not just a customer, you're an owner of the credit union. In fact, member ownership is one of the key differences between credit unions and other financial institutions, giving control of management to our members. Membership allows you and your family to take advantage of full-service, lifetime credit union convenience. Because we are not-for-profit, we pass our earnings on to you, in the form of higher rates on savings and lower rates on loans, or in the form of new or improved service.