Pacific NW Federal Credit Union

If you received a notification requesting proof of insurance for a loan with us, please contact us:

• Phone 866-277-2156 | Fax 877-216-5491
• Online www.myloaninsurance.com/pnwfcu
• Email [email protected]

An acceptable policy will have the following information:

• Insured’s Name and Address
  • If insurance is not in your name, you must be listed as a rated driver on the policy
• Vehicle Description and VIN
• Comprehensive and Collision coverages with $1,000 maximum deductible
• State required minimum coverage levels
• Policy Number and Policy Period
• Pacific NW Federal Credit Union as loss payee/additional interest, listed as
  • Pacific NW Federal Credit Union, PO Box 924666, Fort Worth TX 76124
• No excluded drivers on the policy

You work hard for your money. In an uncertain world, you want to know you can trust the people who are looking out for your financial future.

PNWFCU has been putting people before profits since 1942. Our philosophy is all about giving back, not only to our members, but to the community where they live, work and play!

That’s because we’re a member-owned not-for-profit. This cooperative model means that we’re invested in your financial success. Instead of hanging on to profits, we give them back to you in the form of lower fees and better interest rates.

You’re not just an account, you’re a member, with all the privileges and benefits that come with it.

It’s important to know how much you can afford and to set a realistic budget. Getting pre-approved with PNWFCU is easy. You can start the loan application process online, or visit one of our branches to talk to a loan officer in person.

Auto loan down payment requirements vary based on credit and individual qualifications. Your down payment may range from 0% to 20%, or more in some cases.

There is no minimum or maximum auto loan amount at PNWFCU. Whether you need help financing your first car or your fully-loaded dream car, we encourage you to apply here.

Yes! Consider taking advantage of our automatic loan payment and green car discounts! We will give you a 0.25% discount off your auto loan rate when you set your payments to automatically come out of your PNWFCU checking account.  And, when you buy an electric or hybrid car or truck, you could be eligible for an extra 0.25% off your auto loan rate.

Yes! If you’ve got little or no credit and you’re ready to buy your first vehicle, we are here to help. Our First Time Auto Buyer Loan has a discounted rate and flexible terms, so it’s a great way to responsibly build credit as you build your future. Click here for more information on specific borrower and vehicle eligibility requirements.     

Applying is easy.

First, you need to be a Pacific NW FCU member. Anyone is eligible to join if you live, worship, go to school, work (or regularly conduct business) in Clackamas, Columbia, Hood River, Multnomah, Washington or Yamhill Counties in Oregon, or Clark or Skamania Counties in Washington.

Eligibility is also extended to businesses and other legal entities located in those counties.

Next, you’ll fill out our online application, which includes:

• Information about the kind of loan you want
• Collateral information (where applicable)
• Details about you and your co-borrower (if any)

Then, you review and submit. We’ll take a look at your application, your credit score and credit history, any existing debt you have, as well as proof of income and identity.

The kind of rate you qualify for is based on repayment period, collateral year, available rate discounts and your credit qualifications, including credit score.

You can make one-time or recurring loan payments from your PNWFCU account, or make online payments from another financial institution. Visit the payment center to see how.

You may also be able to skip a loan payment once per 12-months using our Skip-a-Pay service (learn more about terms and conditions).

We’re glad you asked!

We offer:

• Mortgage loans
• Motorcycle, boat and RV loans
• Credit cards
• Home equity loans and lines of credit
• Debt consolidation loans
• Personal loans

So many!

From our Cash Awards Visa credit card (1% cash back on purchases and no annual fee), to our suite of financial literacy resources and tools, Pacific NW FCU membership equips you with everything you need to make your financial dreams a reality.

Products and services include:

• Checking, checking plus, and savings accounts
• Money market accounts
• Certificates and IRAs
• Business accounts
• Insurance
• Online and mobile banking
• Digital wallet
• Free access to your FICO^® Score
• Zelle^®

Not to mention the intangible benefits of belonging to a local financial institution with roots in the community. You can feel good about trusting your money to a place that’s connected to the people, places and organizations around us. Read about our community service.