Business Details
50+ Years
experience
Emergency
services
Your Trusted Financial Partner in Rancho Cucamonga
Pacific Federal Credit Union is a not-for-profit financial cooperative founded in 1949 by San Bernardino County employees seeking to provide accessible financial solutions to their community. With over 75 years of experience, we prioritize the philosophy of 'people helping people' by offering competitive rates, low fees, and personalized service. Our expertise spans checking and savings accounts, auto loans, personal loans, home equity products, mortgages, business financing, and investment services. As a federally insured credit union, we combine local market knowledge with industry-leading compliance and transparency.Our team of certified professionals brings decades of combined experience in financial services, ensuring tailored solutions for members' evolving needs. We demonstrate authoritativeness through our long-standing reputation and community involvement, including environmental initiatives like the Coastal Cleanup and educational support through ArrowHeart Scholarships. Trust is built through 24/7 account access, fraud protection measures, and clear communication channels, including travel notice options and emergency card support.
Services
Checking Accounts
Credit Cards
Auto Loans
Personal Loans
Home Equity Lines
Mortgages
Business Loans
Savings Accounts
Investment Services
IRAs
Details
- Year established: 1949
Highlights and features
- We offer over 75 years of experience in community financial services
- Our team provides 24/7 personalized customer support
- We operate with full transparency and no hidden fees
- Our loan products include flexible terms up to 84 months
- We offer federally insured accounts up to $250,000
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
Pacific Federal Credit Union offers competitive auto loans with rates starting at 4.49% APR for 36 months. Terms up to 84 months available with no early payoff penalty. Pre-approval options and dealership partnerships simplify the car-buying process. Special offers include 90-day payment deferral for loans funded before January 31, 2026.
Personal Loans
Flexible personal loans ranging from $500 to $25,000 with rates starting at 12.99% APR. Terms from 12-60 months available with no collateral required. Debt protection options and instant online approval available. No penalty for early repayment.
Home Equity Line
Access home equity with lines of credit up to 80% of home value. Variable rates starting at 8.00% APR with terms up to 20 years. Includes HELOC spending card and flexible draw periods. Annual fee of $60 applies.
Share Certificates
High-yield savings certificates with terms from 5-60 months. APY up to 4.00% for promotional certificates. Minimum deposits from $1,000 with federal insurance up to $250,000. Early withdrawal penalties apply.
Business Loans
Commercial real estate and equipment financing up to $5 million. Loan terms from 3-10 years with fixed or adjustable rates. SBA loan options and cash-out refinancing available. Locally made decisions for California and Arizona businesses.
People
Aaron Bitran
LPL Financial Advisor
Certified financial advisor with expertise in retirement planning and investment strategies. Provides personalized guidance for clients in Fontana, Rancho Cucamonga, San Bernardino, and Upland areas.
Tommy DeGraw
LPL Financial Advisor
Experienced advisor specializing in portfolio diversification and long-term investment strategies. Serves clients in Crestline, Highland, Redlands, Rialto, Victorville, and Yucaipa locations.
Travis Crenshaw
LPL Financial Advisor
Financial planning expert focused on retirement income strategies and risk management. Available in Bullhead, Diamond Bar, Long Beach, Montclair, Needles, Riverside, and Torrance branches.
Questions
How do I apply for a loan?
Apply online through digital banking or visit any branch location. Most decisions provided within 24 hours.
What membership eligibility requirements exist?
Open to anyone joining eligible associations, family members of existing members, or employees of select employers.
How can I access my account after hours?
Use 24/7 automated service at (800) 743-7228 or online banking for account access.
What security measures protect my account?
Multi-factor authentication, fraud text alerts, and biometric login options secure your financial information.
Do you offer business banking services?
Yes, we provide commercial real estate loans, equipment financing, and SBA loan options for businesses.
