Pacific NW Federal Credit Union

The best way to know for sure is to get pre-approved. That way, you’ll know your interest rate for the specific loan terms you need. 

We also have a loan payment calculator you can use to get a general idea before you apply. 

We’ve been putting people before profits since 1942. Our philosophy is all about giving back to our members and 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 because instead of hanging onto profits, we give them back to you in the form of lower loan rates, lower fees, and higher dividends on savings accounts.

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

No. We never charge our members a fee for paying off their loans early. Many members do just that after they refinance, because refinancing gives them extra room in their budget. With that extra cash, they can make additional payments and pay their loan off before their term ends.

Applying is easy.

First, you need to be a PNWFCU 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 here).

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, PNWFCU 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.