We understand what makes you tick. Come see what sets us apart from the rest.

Rates Effective April 27, 2015
Prime Rate: 3.25%

Loan Rates

Apply for a loan online

Vehicle Secured - Auto Loans

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:
  • -.25% Recurring Automatic or ACH Payment Set-Up
  • -.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
  • -.25% Refinance a Loan From Another Lender
  • -.25% E-Statements

Vehicles older than 2008 and/or mileage exceeding 85,000 miles will be priced at signature loan rate.

The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply. Filing Fees: You will be charged a lien filing fee at the time of the loan if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain lien on your property.           Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.
Term

Annual Percentage Rate

Up to 35 months 1.99% - 15.49%
36-59 months 2.24% - 15.99%
60-83 months 2.49% - 16.49%
84 months and Higher 3.49% - 16.99%

Local Dealers

 

All Other Secured (ATV, Motorcycle, PWC, S X S, Snowmobile)

Call or stop by your local branch for current account disclosures. Rates include a maximum qualifying discount of 0.50% from the list below:
  •  
  • -.25% Recurring Automatic or ACH Payment Set-up
  • -.25% Buy Local (Klamath Falls, Lakeview, Alturas; includes private party)
  • -.25% Refinance a Loan From Another Lender
  • -.25% E-Statements

Vehicles older than 2008 and/or mileage exceeding 85,000 miles will be priced at signature loan rates.
The Annual Percentage Rate you receive for the above loans is based on certain credit-worthiness criteria. Your rate will be set at the time of each loan and will be disclosed on the loan agreement and disclosures. Rates are subject to change at any time. A credit union representative will disclose any rate discounts or additions that may apply. Filing Fees: You will be charged a lien filing fee at the time of the loan if the credit union takes a security interest in your collateral. The amount of the filing fee will be based upon the amount of fee required by state law for the credit union to obtain lien on your property.         Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.
Term Annual Percentage Rate
Up to 35 months 2.99% - 16.49%
36-59 months 3.24% - 16.99%
60-83 months 3.49% - 17.49%
84 months & Higher 4.49% - 17.49%

 

Signature Advance

Term Annual Percentage Rate
Up to 84 months 6.90% - 17.90%

Rate discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

 

Line of Credit/Overdraft Protection

Annual Percentage Rate Daily Periodic Rate
 6.90% - 17.90% 0.0189% - 0.0490%

Rate discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Minimum Payment For Line of Credit/Overdraft Protection: Your minimum monthly payment will be 2.50% of the balance or $25.00 whichever is greater. Your payment amount will be calculated at the time of each advance. You also agree to pay any amount past due or any amount in excess of your approved credit limit.

Share Secured

Percent Above Index Term Annual Percentage Rate
3% Up to 144 months view

Rate Discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

The ANNUAL PERCENTAGE RATE (APR) for share secured loans will be the dividend rate being paid on regular shares offered as security (Index) on the date of the advance plus the percentage shown in the "%Above Index" column above. 

 

Certificate Secured

Percent Above Index Term Annual Percentage Rate
3% Up to 144 months view

Rate Discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

The ANNUAL PERCENTAGE RATE (APR) for Certificate secured loans will be the dividend rate being paid on the Certificate offered as security (Index) on the date of the loan plus the percentage shown in the "%Above Index" column above. 

 

Credit Builder Loan

Credit Builder Loan - designed to establish credit or rebuild credit. This product can be used to save as a down payment to purchase a vehicle or home. The loan proceeds are placed in your savings account and the proceeds are held as security for the loan. As the loan is paid down, the funds become available to use.

Term Annual Percentage Rate
Up to 12 months 9.99%
13 to 24 Months 10.99%
25 to 36 Months 11.99%
Up to 48 Months 12.99%

Rate Discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.

Quick Loan - $500 Minimum/Maximum Loan Amount

Term Annual Percentage Rate
Up to 4 months 18.00%

Rate Discounts do not apply. Late Charges: If your minimum payment is received 15 or more days after the scheduled due date, you may be subject to a late charge of 5% of the delinquent amount with a minimum of $20.00.


The Quick Loan is a short term loan designed to help our members build credit or fund an emergency. It is a $500 loan that can be paid back within 4 months or 8 semi-monthly or bi-weekly payments. There is a $15.00 loan fee that is not refundable. This loan requires a Quick Loan Shares Account. When you make your loan payment, an additional $20 per month is required to be deposited into the Quick Loan Shares Account. If the loan is in default, the balance in the Quick Loan Shares will be applied towards the unpaid balance. Monthly payments are estimated at $25.95 per $100 financed. When the loan is paid in full, the Quick Loan Shares balance will be released into your Regular Savings Account.
Qualifications to apply for a Quick Loan: Pacific Crest FCU membership must be open for 90 days Pacific Crest FCU accounts must be in good standing Members Can apply for the Quick Loan only twice per year There is a 30 day waiting period between Quick Loans