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Credit Union, Personal Banking, and Loans
Where every member gets the same low rate!
Finding a banking partner you can trust shouldn’t be complicated. Whether you’re new to the area, want to keep your money local, or you’re ready for a member-owned cooperative that puts your goals first, People’s Community Federal Credit Union makes personal banking easy and straightforward.
Become a member today! If you live, work, or worship in Clark, Cowlitz, or Skamania counties (or have family members that do), you’re eligible to join our local credit union. As a member, you’ll get immediate access to zero-fee checking, competitive high-yield savings, and affordable loans where every single member gets the exact same low rate.
Current Rates
VISA®
As low as
1.90%
APR**
Secured Visa® Credit Card
Fixed Rate
15.00%
APR*
Auto Loans
As low as
4.50%
APR*
Home Equity Line of Credit
7.00%
APR*
Loyalty Checking
Up to
5.00%
APY*
*APR = Annual Percentage Rate
*APY = Annual Percentage Yield
** = 12-Month Introductory Rate
Personal Banking
No monthly fees. No minimum balance requirements.
Federally insured to at least $250,000.
Checking Accounts
Enjoy simple, fee-free daily banking with zero monthly minimums. Earn up to 5.00% APY* with Loyalty Checking while using free mobile check deposit and nationwide surcharge-free ATMs.
Savings Accounts
Build your emergency fund or reach short-term goals faster with high-yield savings for local residents. Earn competitive dividends fee-free with NCUA insurance up to $250,000.
VISA® Credit Cards
Get introductory rates from 1.90% APR*, and a fixed 15.00% APR* card featuring rewards points and CardLock theft protection. Get transparent purchasing power with no hidden fees.
Become a Member of People's Today!
People’s provides members with access to affordable credit through low-rate loans. All members pay the same rate, no matter their credit score or amount in their account.
Auto Loans
Finance a new or used vehicle with rates starting at 4.50% APR*. Every member gets the same low, flat rate regardless of credit score with no hidden penalties.
Home Loans
Finance your dream home or refinance your current mortgage with competitive rates and local guidance. Deal directly with friendly, local experts serving Clark, Cowlitz, and Skamania counties every step of the way.
RV Loans
Get flexible financing and fast local processing for motorhomes, travel trailers, and boats. Get the same low rate for every member with custom payment plans built for adventure.
Save $50 with Our Referral Program
We want to show you how much we appreciate your loyalty to the credit union and reward you for spreading the word. Share how much you love your credit union and you can each earn $50!
Find a Credit Union Branch Near You
We Have Five Convenient Branches in Southwest Washington.
Visit one of our five convenient credit union branches, located in Vancouver, Ridgefield, and Battle Ground.
Vancouver Waterfront
701 W Columbia Way
Vancouver, WA 98660
Hazel Dell
7403 NE Hazel Dell Ave
Vancouver, WA 98665
Battle Ground
121 NW 20th Ave
Battle Ground WA 98604
Fisher’s Landing
16211 SE 12th Street
Vancouver WA 98683
Ridgefield
109 S 65th Ave, Ste 102
Ridgefield, WA 98642
The Pacific Northwest's Trusted Credit Union Since 1952
Looking for a financial institution you can trust? With People’s you’ll find a wide variety of accounts for all your financial needs—whether you’re a savvy saver, a young family looking for a better auto loan rate, or opening your very first checking account.
Questions? Member services is here to help!
Latest News at People’s Community Federal Credit Union
Updates from People's
Not just another bank
What makes credit unions different?
Founded in 1952 in Vancouver, Washington, as Columbia District No. 17 Federal Credit Union, we built our legacy serving local Machinists Union members. Today, People’s Community Federal Credit Union opens those same doors to anyone who lives, works, or worships in Clark, Cowlitz, and Skamania counties.
Backed by over 10,000 members and $276,000,000 in assets through 2025, we remain a trusted, local financial cooperative dedicated to keeping your money in the Pacific Northwest. Whether you need a low-rate auto loan, fee-free checking, or high-yield savings, our member-owned credit union delivers real value without corporate profit margins.
Even after all these years, we’re still driven by our founding core values:
When you join People’s Community Federal Credit Union, you become a member/owner. You immediately begin to enjoy our high-quality services, low fees and great rates. The credit union is governed by a volunteer board of directors, elected by and from the credit union’s membership.
As a member, you don’t just use our credit union. You own it. You have a voice in what we do. Because we’re member-owned, we answer only to you. There are no stockholders to please. Nor are we motivated by profits. Like all credit unions, we’re a not-for-profit financial cooperative. We return earnings to our members in the form of lower loan rates, higher dividends on deposits, and lower fees.
No matter how much you have on deposit or owe in loans, as a financial cooperative, each member gets only one vote on matters such as board elections. Our Money Management Account is not tiered like at so many other banks and credit unions. You earn the same rate whether you have $1,500 or $150,000 in your account. Everyone that’s approved for a loan gets the same great rate; it’s not based on your credit score, or the factors used by most other lenders. At People’s, you’re a person not a number.
We always strive to bring our members the very best package of financial services. Loan rates are low. Savings rates are high. Fees are low or nonexistent, and services are plentiful. We offer everything from auto and RV loans to mortgages and home equity lines of credit. We’re convenient, too. You can come to a branch and see our happy, friendly staff. Use our 24/7 Live Call Center. And do just about anything you need in People’s Mobile and Online Banking.
The Perks of Banking with People's
Bank Anywhere!
Overdraft Protection
CardLock Theft Protection
In-Branch Banking Services
Bank Anywhere!
Bank Anywhere!
Manage your account on your terms! People’s offers convenient service that let you bank anywhere.
- Sign up for eStatements and receive your account statements by email.
- Online Banking – fast, easy, secure access to your account from anywhere.
- Mobile Banking – manage your money directly and make mobile check deposits from your phone using our app or text banking.
- Credit Card Online Access – 24/7 ability to make credit card payments and find other information on your card
Overdraft Protection
Overdraft Protection
People’s provides the tools you need to access your accounts and avoid embarrassing and costly overdraft situations.
- Overdraft Protection – avoid overdrawing your account with our safety-net overdraft protection.
- Automatic transfers from savings.
- Automatic transfers from your personal line of credit, once approved.
- Courtesy Pay – unanticipated expenses can inadvertently leave you with too little cash in your checking account. Avoid the embarrassment and merchant fees with People’s Courtesy Pay service. Learn more.
CardLock Theft Protection
CardLock Theft Protection
Take control of your cards on the go with People’s CardLock. If you’ve misplaced your People’s debit card or credit card, or you’re noticing suspicious activity in your account, you can take action immediately before your identity or finances are compromised.
People’s CardLock is a free smartphone app designed to help protect your debit and credit cards, with custom alerts and blocking features. Learn more.
- Alerts: The CardLock app will alert you every time a transaction is declined, online activity is reported, and for specific types of purchases.
- Controls: People’s CardLock also includes controls to block specific types of transactions. This can be helpful in impulse buying, fraud prevention, and more.
- Turn Cards On/Off: CardLock gives People’s members the ability to turn their debit and credit cards on and off at any given time without needing to contact the financial institution. When the account is locked, new charges and cash advances will be denied.
In-Branch Banking Services
In-Branch Banking Services
In addition to applying for loans, opening deposit accounts, and traditional teller transaction, you can find these convenient in-branch member services.
- Notary Services – we offer notary services to all members in all of our branches. Make sure to bring a photo ID!
- Safe Deposit Boxes – keep your valuables secure in our safe deposit boxes, available at our Hazel Dell and Battle Ground branches. We’ll automatically deduct the fee from your savings account.
- Night Deposit Boxes – located at our Hazel Dell, Battle Ground and Fisher’s Landing branches, for when you need to drop off a deposit or payment after hours.
- Cashier’s Checks – members may obtain one Cashier’s Check for free each day. Additional checks cost $5.00. Not available to non-members.
- Wire Transfers – a safe and convenient way to transfer funds electronically, People’s offers both incoming and outgoing wire transfer services for domestic and international transactions.
At People's, All Members Get the Same Great Rates!
What truly sets People’s Community Federal Credit Union apart from traditional banks isn’t just our Pacific Northwest roots — it’s our commitment to fair, transparent everyday banking. While big banks focus on shareholder profits, our member-owned cooperative puts your financial well-being first with zero monthly account fees, high-yield deposit options, and affordable borrowing options.
For individuals and families across in Clark, Cowlitz, or Skamania County — from the Columbia River Waterfront to our local communities in Ridgefield and Battle Ground — choosing People’s means you get equal access to our best financial products and lowest rates.
Ready for a banking partner that puts you first? Become a member or stop by a branch to get started.
FAQs About People's Community Federal Credit Union
Anyone who lives, works, or worships (attends religious services) in Clark County, Cowlitz County, or Skamania County is eligible to join our credit union.
To open an account online or in-branch, you will need:
- A valid, unexpired government-issued photo ID (such as a Driver’s License, State ID, or Passport).
- A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Proof of physical address (if your current address differs from your ID or if you’ve lived at your address for less than two years).
- An initial funding method (such as cash, a check, or a debit/credit card to deposit your initial share balance).
Members have surcharge-free access to nearly 30,000 ATMs nationwide through the CO-OP ATM Network. You can easily locate them while traveling by:
- Using the ATM Locator tool on the People’s Community Federal Credit Union website.
- Downloading the CO-OP ATM Locator mobile app (available on iOS and Android).
- Texting your current address, intersection, or ZIP code to 91988 (MYCOOP) to receive nearby ATM locations via text.
- Looking for the CO-OP ATM logo at major participating retailers (such as select 7-Eleven, Costco, and Circle K locations nationwide).
- Notary Services: Offered to all credit union members free of charge at all five branch locations (Vancouver Waterfront, Hazel Dell, Battle Ground, Fisher’s Landing, and Ridgefield). Members must bring a valid photo ID and unsigned documents.
- Safe Deposit Boxes: Available for secure valuable and document storage at select branches, specifically the Hazel Dell and Battle Ground locations.
- Night Deposit: Night deposit drop-boxes are available at Hazel Dell, Battle Ground, and Fisher’s Landing. Members can also receive one free Cashier’s Check per day
- Cashier’s Checks: Members can receive their first cashier’s check free every day at any of our branches. Each additional check after the first is $5.00.