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Share Savings

Our most fundamental savings tool.
The Share Account is our most fundamental savings tool, giving you access to our full range of credit union products and services.

  • Minimum $10.00 to open (includes a one-time membership fee of $5.00).
  • Dividends accrued daily and paid monthly for maximum earnings.
  • Payroll deduction/direct deposit available.
  • Can be used as loan collateral or overdraft protection.
  • Electronic access through ATM's, Call24, and Online Banking.
  • Free $2,000.00 group accident insurance benefits to members 18 and over.

Special Purpose Savings Account

For any purpose.

  • Minimum $5.00 to open and earn dividends.
  • Dividends accrued daily and paid monthly for maximum earnings.
  • Payroll deduction/direct deposit available.
  • Matures on October 1st each year.
  • For any purpose - vacation, holidays, school, taxes, and more!

 

Money Market Share Account

Interest rate that increases with your balance.
This account offers a competitive interest rate that increases as your balance increases! Plus, you can access your Money Market funds just like you would with a regular checking account (up to 6 transactions per month).

Certificates

Earn guaranteed return on your money.
We offer a variety of short and long-term certificates at competitive rates to give you a safe place to steadily earn a guaranteed return on your money. You may even use your savings certificates to secure an exceptionally low loan rate from us!

Easy Savers

Minimum Opening Deposit: $100.00

Terms Features
12 months Additional deposits allowed (minimum $25.00 at any time). Dividends compounded monthly. Available to members 18 and under.

Savings Certificates

Minimum Deposit Terms Features
$500.00 6 months The more you save the greater dividend you earn.
$1,000.00 12 to 60 months The more you save the greater dividend you earn.

 

Individual Retirement Accounts (IRA's)

Offering you outstanding flexibility and tax advantages, an IRA is one of the smartest ways to save for a secure and comfortable retirement, or even for your children's education. We offer Roth and Traditional IRA's, as well as Coverdell IRA's.

Savings Bonds

Series EE
Series EE bonds can be purchased for half the denomination value. These good, long-term investments mature in 17 to 30 years, but may be redeemed as early as 12 months - although it may not have achieved face value.

Series I
Purchase a Series I bond at face value for $50 or up to $30,000, and defer federal taxes on earnings for up to 30 years - and pay no state and local taxes on earnings!

Health Savings

View Current Health Savings Rates

Get the most out of your savings with a Health Savings Account (HSA) from Pacific Crest. It is a savings product that offers a different way for consumers to pay for their health care. HSA's enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.

Benefits of an HSA

  1. Tax Savings. Annual contributions are tax-deductible* from federal and Oregon state income tax. Plus, qualified withdrawals are free from federal income tax.
  2. Ownership. Funds remain in the account from year to year, just like an IRA.
  3. Earned Interest. Dividends earned are tax-free.
  4. Portability. You, not your employer, own the account, so you can always keep your HSA.
  5. Flexibility. You can use the funds in your HSA to pay for medical expenses, including those not covered by your insurance, or you can save the funds in your account for future medical costs.

Eligibility

To make contributions to an HSA you: must be covered under a High Deductible Health Plan (HDHP), may not be covered by any other health plan that is not a HDHP, may not be enrolled in Medicare, may not be a recent recipient of VA medical benefits and cannot be claimed as a dependent on another person's tax return.

Availability of Funds

Withdrawals are tax-free if the funds are used exclusively for paying our reimbursing qualified medical expenses, such as a doctor's visit, prescription drugs, and over-the-counter medicines for the owner, his or her spouse and dependents. Qualified expenses are those incurred after the account is open.

For complete details on HSA accounts, eligibility, contributions, and withdrawals, simply contact us.

Questions? Read our HSA Frequently Asked Questions.

NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a "noninterest-bearing transaction account"* are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account. *Crest Free Checking, Health Savings Checking, Crest Freshstart, and Crest Checkless Checking Accounts are the only accounts affected by this coverage change.