Loans for all Reasons

Direct Deposit

Payroll Deduction

Teller Phone

ATM/Debit Card

Visa Credit Card

Checking and Balancing Reference

Loans for all Reasons

Every one needs a little financial boost every now and then, to purchase a home, auto, or maybe a vacation. Maybe you need to cover some kind of emergency expenditure... We have a number of loans to suit your needs. See Mortgage Loans for details on conventional or home equity loans. See Visa accounts to check the details of our Visa program, or see auto Loans for auto loan specifics and tools. We also offer recreational vehicle or boat Loans, as well as several other personal loan types, including certificate or share-secured loans. Insured by NCUA, Equal Opportunity Lender. Call us or drop in and chat with one of our friendly Member Service Counselors, and let us help you do what you want to do! See our Financial Calculators page, we have some calculators to help you find out what you can or want to afford!

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Direct Deposit

Your paycheck, tax refund, or other reoccurring check is automatically deposited for you. Save your time, gas and lunch hour for things like eating lunch. Leave the hassle of depositing in the hands of your financial institution.

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Payroll Deduction

You can make loan payments or regular deposits to your savings without having to worry about writing a check or transferring funds. In the case of loan payments, timely payments will only improve your credit score.

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Teller Phone

Our audio response system allows you to inquire about your account balances, loan payment amounts and due dates. You can check your interest earned, current rates on loans, savings and/or certificates, verify deposit/withdrawal amounts, and cleared checks. And, you can ransfer funds within your own accounts or from your account to another member account, and more!

Teller Phone can be reached at:
(541)302-6178 * (541)747-9975 * (800)282-9975

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ATM/Debit Card

Access your checking or savings accounts at automatic teller machines (ATMs) throughout the country. Click here to link to our Credit Union ATM Locator. Find out where your nearest no-surcharge ATM is! Instructions for reporting Lost or Stolen checks or Credit/ATM Cards.

The Pacific Cascade Debit Card will allow you to access your
checking or savings accounts at ATMs, like an ATM card. Plus,
access your checking account at Point of Sale Terminals (available in
many grocery stores, department stores and gas stations) and wherever
Visa accepted. Who needs to write a check these days?! Apply for one!

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Visa Credit Card

Check out the Pacific Cascade's Visa credit card. Fill out an application for one today!

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Checking and Balancing

Checking at Pacific Cascade Federal Credit Union is simple, no complicated plans to choose from. You either have it or you don't.

Here's just what you CAN have:

Easy Access and convenience!

• Of course you can write checks. And by using carbonless copy checks, you always
  have a copy of your check even if you forget to write the information down in your
  check register.

• With your checking account, you may get a Pacific Cascade Debit Card. It's free, and you can use it all over the place, instead of writing checks, as well as in cash machines, at point
  of sale terminals, anywhere Visa is accepted. It costs you nothing, and adds a lot of convenient options!

• You can set up Automatic Transfers to or from your account that simply happen on the schedule you determine.

• You can use either Teller Phone -- (our do-it-yourself audio response system) or our
  on-line Home Banking system to check your balance, or to transfer funds to or from your own accounts, or to another Pacific Cascade member account, either over the phone, or securely using your personal computer.

• On-line Bill Pay -- from Home Banking, you can access our Bill Pay system. Organize and pay your bills, conveniently from your computer. It's FREE to use Bill Pay. No checks to write, no envelopes to seal, and no stamps! What a deal!

• Set this account up with Direct Deposit. Many employers and organizations offer Direct Deposit, where your payroll or other income is deposited automatically on payday. No need to find time in your busy day to stand in line for a teller or even an ATM!

• FREE overdraft protection from your savings account(s) or your Visa line of credit. If you have money in savings or room on your Visa, funds will transfer automatically to cover your check or other payment from your checking account with no fee.

• Privilege Pay - if you have had your account for over 90 days, are current on your loans, and are over 18 years old, you may qualify for Privilege Pay. Privilege Pay covers your check, your ATM withdrawal, your automatic payment (ACH), or your Debit Card transaction, even if you don't have the funds currently available, up to $500. It's a sort of safety net, in case you've lost track of your balance. The fee for using Privilege Pay is the same as our NSF fee, but you avoid the embarrassment of a returned check, and the fees on the other side. . . at the grocery store or from the utility company, or wherever. You have up to 45 days to bring your account positive. Of course, it's far better to never use it, but isn't nice to know it's there?

Do you already have a Pacific Cascade Checking Account? Good! Having trouble keeping it balanced? Maybe? Maybe not?

If keeping your checkbook balanced is a thorn in your side, we have a Checkbook Balancing brochure that might help. You can get one at any branch, or click here to open a PDF file that you can print and use. (It's a little big -- if you have a slower connection speed, you may be happier dropping by for a hard copy.) Also, if you really get in a tight spot with your account reconciliation, you can come in and work with one of our knowledgeable Member Service Counselors. The first half hour is free -- check with us for charges after that. If you're thinking it's just too much trouble, it really is worth doing. It can save you money and time in the long run. Mistakes happen. For instance, a debit card transaction you meant to be for $10 might come out as $100! Depending on the type of transaction, you may be out of luck if you wait too long to find it and fix it. Also, knowing how much you have can save you fees and trouble!

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Savings Plans

Savings plans for all: young saver accounts (members 14 and under), Classic Club (members 55 or better), basic passbook accounts, Money Maker accounts (our version of a money market account), Individual Retirement Accounts (IRA's) and Certificate Accounts.

See Savings for account details or take a look at Our Rates. Is there something you would like to save up to purchase? Check out our Savings Calculator to help you reach your savings goal.

Click this button to calculate   

Also, as an added benefit, we can provide Accident Insurance. It's free for the first $2000, just
for being a member! That's a deal that's hard to beat. But you have to sign up to get it!

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Investment Opportunities

Investment opportunities, financial and/or retirement planning, insurance options and more offered through Lifetime Investment Solutions. With a Certified Financial Fitness Consultant and Registered Investment Advisor to meet with you. Call any Pacific Cascade Federal Credit Union office and ask for the Lifetime Investment Solutions office, or call (541)461-4052. For more information about Lifetime Investment Solutions, click here.

Do you know what it will take to create a secure retirement? We have a calculator to help you create your retirement plan.

Click this button to calculate  

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Notary Service

Notary Service is offered at all of our branches and is free to our members, joint owners, or for a member's benefit. No appointment
is necessary.Just be sure all persons having their signature notarized bring in current and valid identification. Also, be sure that no one signs the documents before coming in to have their signature notarized.

We also offer Signature Guarantee. Very similar to our Notary Service, Signature Guarantee is used to guarantee signatures on the transfer, sale, and registration activities of securities, mutual funds, stocks, etc. It is a free service and is offered at our maint branch at 1075 Oak Street in Eugene.

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Bill Pay Service

Convenience is critical in these busy times! We have several ways you can automate your payments. Don't worry about remembering to do them, they'll happen as you schedule them

ACH Debits and Pre-Authorized Drafts: There are a couple of ways to have ACH electronic payments made. You may choose to have various institutions debit your account directly for regular charges. This is frequently offered by insurance companies, internet providers, telephone companies, and many other service providers. In that case, you work with that service provider to start up the transfers. They will most likely need an ABA number. Our ABA Number is 323274351.
Or if you want to pay your PCFCU loan or deposit money into a share account with funds you keep in another institution, we can set that up for you! It's up to you to decide when you would like to have funds transfered (monthly? weekly?) and how much. We'll need a voided check or deposit slip from that institution, some information about when, how much, and to what account, and off it will go.

Recurring Payments in Bill Pay: From Home Banking, if you have a checking account with
us, you can access Bill Pay. In our Bill Pay service, you can set up payments to come out on
your schedule. You can also set up e-mail reminders, as well as notifications that a payment has been made.

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Wire Transfers

Wire Transfers: Call us if you want to wire funds. We wire through the Federal Reserve, and there are strict time guidelines, so the sooner you can get the required information to us, the sooner the funds will get where they're going! The information we need is:

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Scholarships

Scholarships: There are several scholarships available to
Pacific Cascade members who are attending/will attend Colleges and Universities.

• The Fritz vonAppen Scholarship is a $1500 award available to members attending college full-time as either
  an undergraduate or graduate student..

• The Tom Jones Scholarship is a $1500 award available
  to Pacific Cascade Members who are graduating from
  high school and planning to attend college full time as
  an undergraduate.
  

For more information about Scholarships, click here.

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