Banking Built Around Your Family
At Landrock Pacific, we understand that every family's financial needs are different. That's why we offer a range of personal banking products designed to give you flexibility, security, and the personal attention you deserve. All accounts are protected by our industry-leading firewall and backed by FDIC insurance up to $100,000 per depositor.
Checking Accounts
🏦 Pacific Basic Checking
Our no-frills checking account with no minimum balance requirement. Perfect for students and young professionals starting their financial journey.
- No monthly maintenance fee
- No minimum balance requirement
- Free debit card with VISA® logo
- Free first order of checks
- Access to all 23 branches and 85+ ATMs
- Free Online Banking access (when available)
🏠 Pacific Family Checking
Our most popular checking account, designed for families who want more from their everyday banking. Earn interest on your balance while enjoying premium features.
- Interest-bearing with 0.15% APY on all balances
- No monthly fee with $1,500 minimum balance
- Free unlimited check writing
- Free overdraft protection linked to savings
- Complimentary safe deposit box (small)
- Free Online Banking and Bill Pay
- Family financial planning consultation
💰 Pacific Premier Checking
Our premium checking account for clients who demand the very best. Enhanced rates, exclusive services, and priority access to our banking team.
- Higher interest rate: 0.35% APY
- No monthly fee with $10,000 minimum balance
- Free cashier's checks and money orders
- Priority teller service at all branches
- Dedicated personal banker
- Free wire transfers (domestic, up to 5/month)
- Premium Online Banking with enhanced security features
Savings Accounts
💳 Pacific Savings
Build your family's financial safety net with our competitive savings account. Your deposits are FDIC insured up to $100,000 and protected by our multi-layer firewall security system.
- 2.15% APY — one of the best rates in the Pacific Northwest
- $100 minimum opening deposit
- No monthly fee with $300 minimum balance
- Up to 6 withdrawals per month (federal regulation)
- Automatic savings plan available
- FDIC insured up to $100,000
🌾 Pacific Youth Savings
Start your child's savings early with our special youth account. Available for savers under 18, with a parent or guardian as joint account holder.
- Bonus rate: 2.50% APY (highest savings rate we offer!)
- No minimum balance, no monthly fee
- $25 minimum opening deposit
- Free piggy bank with account opening
- Financial literacy workbook included
- Teach your children the value of saving — and security
Certificates of Deposit
Lock in a great rate with a Landrock Pacific CD. Your money works harder for you with guaranteed returns and FDIC insurance protection.
| Term | APY | Minimum Deposit | Early Withdrawal Penalty |
|---|---|---|---|
| 3 Months | 3.25% | $1,000 | 30 days interest |
| 6 Months | 3.75% | $1,000 | 90 days interest |
| 12 Months | 4.50% | $1,000 | 180 days interest |
| 24 Months | 4.75% | $2,500 | 365 days interest |
| 60 Months | 5.10% | $5,000 | 365 days interest |
Rates effective 03/13/2006. APY assumes interest remains on deposit for full term. Penalty for early withdrawal. FDIC insured up to $100,000.
Home Mortgages
🏠 30-Year Fixed Mortgage
Make your dream home a reality with our competitive 30-year fixed rate mortgage. Enjoy the stability of a fixed payment for the life of your loan.
- Rate as low as 5.99% APR for qualified borrowers
- Fixed monthly payment — no surprises
- Down payments as low as 5% (PMI required below 20%)
- No pre-payment penalty
- Free rate lock for 60 days
- Local processing and underwriting right here in Seattle
*APR of 5.99% based on $200,000 loan with 20% down payment and 780+ credit score. Your actual rate may vary. All loans subject to credit approval.
🏠 15-Year Fixed Mortgage
Build equity faster and save thousands in interest with a 15-year fixed rate mortgage.
- Lower rate: 5.50% APR for qualified borrowers
- Own your home free and clear in 15 years
- Save up to $120,000 in interest vs. 30-year term
- Same great local service and processing
🏠 Home Equity Line of Credit
Tap into your home's equity for renovations, education, or whatever your family needs. Borrow only what you need, when you need it.
- Variable rate starting at 7.50% APR (Prime + 0.25%)
- Borrow up to 80% of your home's equity
- Interest may be tax deductible (consult your tax advisor)
- 10-year draw period, 20-year repayment
Auto & Personal Loans
🚗 Auto Loan
- New and used vehicle financing
- Terms from 24 to 72 months
- Up to 100% financing for new vehicles
- Quick approval — often same day
💲 Personal Loan
- Borrow $1,000 to $25,000
- Fixed rate, fixed payment
- No collateral required
- Debt consolidation, home improvement, or any purpose
Account Comparison Chart
| Feature | Basic | Family | Premier |
|---|---|---|---|
| Monthly Fee | $0 | $0 w/ $1,500 bal | $0 w/ $10,000 bal |
| Interest Bearing | ✗ | ✓ 0.15% | ✓ 0.35% |
| Free Checks | First order | Unlimited | Unlimited |
| Online Banking | ✓ | ✓ | ✓ Enhanced |
| Overdraft Protection | ✗ | ✓ | ✓ |
| Safe Deposit Box | ✗ | ✓ Small | ✓ Medium |
| Free Wire Transfers | ✗ | ✗ | 5/month |
| Personal Banker | ✗ | ✗ | ✓ |
| 128-bit SSL Security | ✓ | ✓ | ✓ |