The phone, answered.
You will speak to a person in under 90 seconds. They will know what they are doing.
Since 1968 · 58 years
Member-owned banking from the California coast.
Pacific Crest was started in 1968 by a group of UC Santa Cruz engineers who wanted a credit union that returned profits to members. Today we serve 312,000 members from Mendocino to San Diego.
★ 5.0 / 5
BBB A+
Federally insured by NCUA
By the numbers, 2025.
Annual Report$0BAssets under management
0KCustomers / members
$0MReinvested locally
0Years of operation
Every promise we make is old-fashioned.
The way banking ought to work hasn't changed in a hundred years. We've just made it newer.
Mortgages we keep.
We originate, we hold, your payment goes to the building you walked into.
Federally insured.
Every deposit is insured to the maximum allowed by law. Sweep programs extend coverage further.
Modern mobile banking.
Face ID, mobile check deposit, Zelle®, Apple Pay, instant card freeze, real-time alerts.
Capital deployed locally.
Tens of millions reinvested each year through small-business loans and community lending.
Built to be boring.
No crypto exchange exposure, no SPAC, no regulatory actions. Boring is the product.
As referenced in
The Wall Street JournalAmerican BankerForbesBloombergReuters
I have banked here for fourteen years. They picked up the phone at 2:14 AM when a stranger tried to withdraw from my account. By morning, the charge was reversed.A long-time customer, Santa Cruz branch
Open an account in 5 minutes
Move your money to a bank that remembers your name.
No hidden fees. No minimum balance on most accounts. $200 welcome bonus with direct deposit established within 60 days.*