# People's Community Federal Credit Union - Credit Union & Banking Services > Serving Southwest Washington --- ## Pages - [Recreational Vehicle Loans and Financing](https://www.peoplescu.org/recreational-vehicle-loans/): Get a loan for your new RV and hit the open road. Dreaming of adventure? First, you need a recreational... - [RV Loans | Camper and Motorhome Loans](https://www.peoplescu.org/recreational-vehicle-loans/rv-loans/): Ready to hit the open road? At , we’re here to provide you with the affordable financing options that make... - [Boat Loans](https://www.peoplescu.org/recreational-vehicle-loans/boat-loans/): People’s Community Credit Union serves the greater Vancouver WA area. Join Now Boat Financing With The waterways of the Pacific... - [Teens’ Guide to Buying a Car](https://www.peoplescu.org/youth-savings-accounts/teens-guide-buying-a-car/): Buying your first car is an exciting milestone, but it can also be overwhelming – especially when it comes to... - [Savings Accounts For Kids](https://www.peoplescu.org/youth-savings-accounts/): We offer Loyalty Savings Accounts that give kids a jump start on their savings. People’s Community Credit Union serves the... - [What is a Credit Card Balance Transfer?](https://www.peoplescu.org/credit-cards/balance-transfer-definition/): Put simply, a credit card balance transfer is when debt is moved from one account to an account with a... - [Does a Balance Transfer Affect My Credit Score?](https://www.peoplescu.org/credit-cards/balance-transfers-affecting-credit-score/): Short answer: it depends. Depending on your circumstances, a credit card balance transfer may have a positive or negative impact... - [Our Guide to Consolidating Debt With a Loan](https://www.peoplescu.org/personal-loans/debt-consolidation-with-a-personal-loan/): At this time of year, many of us in find ourselves facing a familiar challenge: the aftermath of holiday spending.... - [Understanding HELOC Requirements](https://www.peoplescu.org/home-loans/home-equity-line-of-credit/understanding-heloc-requirements/): Want to make improvements to your home or boost its value but don’t have the cash on hand? Opening a... - [Hazel Dell](https://www.peoplescu.org/locations/hazel-dell/): Hazel Dell Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 7403 NE Hazel Dell Avenue, Vancouver,... - [Hazel Dell North](https://www.peoplescu.org/locations/hazel-dell/hazel-dell-north/) - [Northeast Hazel Dell](https://www.peoplescu.org/locations/hazel-dell/northeast-hazel-dell/) - [Hidden Glenn](https://www.peoplescu.org/locations/hazel-dell/hidden-glenn/) - [Hazel Dell South](https://www.peoplescu.org/locations/hazel-dell/hazel-dell-south/) - [West Hazel Dell](https://www.peoplescu.org/locations/hazel-dell/west-hazel-dell/) - [How to Buy Your First Boat](https://www.peoplescu.org/recreational-vehicle-loans/boat-loans/buying-your-first-boat/): From the mighty Columbia to the sparkling Deschutes and everything in between, there’s no shortage of beautiful waterways in the... - [How to Get the Best Deal When Financing an RV](https://www.peoplescu.org/recreational-vehicle-loans/rv-loans/financing-first-rv/): From the temperate rainforests and snow-capped mountains to sand dunes and beaches, the Pacific Northwest is known for its seemingly... - [Credit Union, Bank, or Dealership: Which Is Best for Auto Loans?](https://www.peoplescu.org/auto-loans/credit-union-bank-or-dealership-financing/): Buying a new vehicle can be exciting, but one of the most critical decisions you’ll face in the process is... - [Kalama](https://www.peoplescu.org/locations/ridgefield/kalama/) - [Woodland](https://www.peoplescu.org/locations/ridgefield/woodland/) - [Hayes](https://www.peoplescu.org/locations/ridgefield/hayes/) - [Etna](https://www.peoplescu.org/locations/ridgefield/etna/) - [Ariel](https://www.peoplescu.org/locations/ridgefield/ariel/) - [Highland](https://www.peoplescu.org/locations/ridgefield/highland/) - [Pine Grove](https://www.peoplescu.org/locations/ridgefield/pine-grove/) - [La Center](https://www.peoplescu.org/locations/ridgefield/la-center/) - [Duluth](https://www.peoplescu.org/locations/ridgefield/duluth/) - [Lambert](https://www.peoplescu.org/locations/ridgefield/lambert/) - [Pioneer](https://www.peoplescu.org/locations/ridgefield/pioneer/) - [First Credit Card](https://www.peoplescu.org/credit-cards/first-credit-card/): Start Your Visa® Platinum Credit Card Application Now In a world where fewer and fewer purchases are made with paper... - [Safe, Strong, and Secure.](https://www.peoplescu.org/about/safe-strong-secure/): The People’s Difference We have been serving our community since 1952, and don’t plan on stopping any time soon. With... - [Credit Union Locations](https://www.peoplescu.org/locations/): Credit Union Locations Five Convenient Branches in the Vancouver WA area We have five convenient credit union branches in Vancouver,... - [New & Used Auto Loans](https://www.peoplescu.org/auto-loans/new-used-auto-loans/): Competitive & Affordable Car Loan Rates Shopping for a car can be stressful, but it’s a lot easier when you... - [Credit Cards](https://www.peoplescu.org/credit-cards/): Extend your purchasing power with a People’s Credit Card. People’s Community Credit Union serves the greater Vancouver WA area. Join... - [People's Personal Line of Credit (PLOC)](https://www.peoplescu.org/personal-loans/peoples-personal-line-of-credit/): A PLOC is the perfect companion to your People’s checking account. When you sign up and are approved for a... - [Other Personal Loans](https://www.peoplescu.org/personal-loans/other-personal-loans/): At People’s we can put together the loan you need. We’ll work with you to meet your goals and improve... - [How to Save Money on Your Gas Bill](https://www.peoplescu.org/personal-loans/how-to-save-money-on-your-gas-bill/): Gas prices have been steadily rising, but that doesn’t mean fuel has to completely break your budget. Though many of... - [Battle Ground](https://www.peoplescu.org/locations/battle-ground/): Battle Ground Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 121 NW 20th Avenue, Battle Ground,... - [Vancouver Waterfront](https://www.peoplescu.org/locations/vancouver-waterfront/): Vancouver Waterfront Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 701 W Columbia Way, Vancouver, WA... - [Fisher's Landing](https://www.peoplescu.org/locations/fishers-landing/): Fisher’s Landing Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 16211 SE 12th Street, Vancouver, WA... - [Ridgefield](https://www.peoplescu.org/locations/ridgefield/): Credit Union and Personal Banking in Ridgefield Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 109... - [Newsletters](https://www.peoplescu.org/about/newsletters/): Below is a list of our archived newsletters - [ATM Locations](https://www.peoplescu.org/locations/atm-locations/): Use any Co-Op Network ATM for no-surcharge convenience everywhere. ATMs: Your Key to Cash With surcharge-free access to nearly 30,000... - [Online Banking](https://www.peoplescu.org/personal-banking-services/online-banking/): Fast, easy, secure access to your account from anywhere With Online Banking you can: Transfer money between accounts View recent... - [eStatements](https://www.peoplescu.org/personal-banking-services/estatements/): View, download and print account statements securely online Did you know that almost 85% of identity theft begins with a... - [Credit Card Interest Calculator](https://www.peoplescu.org/personal-loans/credit-card-interest-calculator/): This calculator will show you how much of your current credit card payment is being applied to the principal balance... - [Mortgage Payment Calculator - Fixed Rate](https://www.peoplescu.org/home-loans/calculator-mortgage-payment/): Estimate monthly payments and total interest paid on any fixed-rate mortgage loan. Mortgage loan amount: Annual interest rate (APR): Mortgage... - [Mortgage Payment Calculator - Adjustable Rate](https://www.peoplescu.org/home-loans/calculator-mortgage-adjustable/): This calculator will help you to determine what your adjustable rate mortgage payment will be. Mortgage loan amount: Beginning interest... - [Mortgage Refinance Calculator](https://www.peoplescu.org/home-loans/calculator-mortgage-refinance/): Refinancing your mortgage can be a good financial decision in many instances. If you can refinance at a better rate,... - [Vehicle Affordability Calculator](https://www.peoplescu.org/auto-loans/vehicle-affordability-calculator/): This calculator will help you to compute how much car you can afford. Down payment amount you can afford ($):... - [Bill Pay](https://www.peoplescu.org/personal-banking-services/bill-pay/): Conveniently pay all your bills for free Our Free Bill Pay service lets you pay your bills electronically, whenever and... - [Telephone Banking](https://www.peoplescu.org/personal-banking-services/phone-banking/): Convenient account access from any touch-tone phone Telephone Banking Numbers:Local: 360-695-7559Toll-Free: 1-877-TELLER0 (1-877-835-5370) This free automated service is available 24/7 throughout... - [Applications & Forms](https://www.peoplescu.org/about/applications-and-forms/): Apply for a loan or open an account anytime, anywhere Use the forms and secure online applications below to apply... - [Become a Member](https://www.peoplescu.org/become-a-member/): All Members Enjoy Same Rates, No Matter Their Credit History People’s Community Credit Union serves the greater Vancouver WA area.... - [Account Switch Kit](https://www.peoplescu.org/become-a-member/account-switch-kit/): Switch your account to People’s Community Federal Credit Union People’s has made moving your account from your previous financial institution... - [Referral Program](https://www.peoplescu.org/become-a-member/referral-program/): You get $50. They get $50. We want to show you how much we appreciate your loyalty to the credit... - [Disclosures & Resources](https://www.peoplescu.org/rates/disclosures/): Accessibility Statement Membership and Account AgreementYour rights and obligations as a People's Community Federal Credit Union member. Cardlock Privacy PolicyYour... - [Accessibility Statement](https://www.peoplescu.org/rates/disclosures/accessibility-statement/): Updated: February 2023 People’s Community Federal Credit Union (PCCU) strives to ensure that its services are accessible to people with disabilities... - [Cardlock Privacy Policy](https://www.peoplescu.org/rates/disclosures/cardlock-privacy-policy/): People’s Cardlock powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it... - [Wire Transfer Instructions](https://www.peoplescu.org/rates/disclosures/wire-transfer-instructions/): People’s offers incoming and outgoing wire transfer services for domestic and international wires; providing a safe, convenient and fast way... - [Current Rates](https://www.peoplescu.org/rates/): Rates Effective: January 15th, 2025 Loan Rates Savings & Checking Rates Loan Rates Auto Loans Credit Cards Personal Loans Home... - [Personal Banking Services](https://www.peoplescu.org/personal-banking-services/): Access your account anytime, anywhere People’s Community Credit Union serves the greater Vancouver WA area. Join Now Apply for a... - [Financial Calculators](https://www.peoplescu.org/calculators/): Use Financial Calculators to Make Wise Financial Decisions. - [Loan Payment Calculator](https://www.peoplescu.org/personal-loans/loan-payment-calculator/): This calculator will compute a loan’s payment amount at various payment intervals based on the amount borrowed, the length of... - [Savings Calculator](https://www.peoplescu.org/personal-loans/savings-calculator/): How much can I save over time? This calculator will help you to determine the future value of a periodic... - [Share Certificates Calculator](https://www.peoplescu.org/personal-loans/share-certificate-calculator/): This calculator will compute the future value and annual percentage rate of your share certificate. Deposit amount ($): Annual interest... - [Debt Consolidation Calculator](https://www.peoplescu.org/personal-loans/debt-consolidation-calculator/): How much can I save if I consolidate my debt? Creditor Balance 1 2 3 4 An empty line will... - [Spoofed Caller-ID Numbers](https://www.peoplescu.org/security/spoofed-caller-id-numbers/): Credit union members in the Northwest are falling victim to a new twist on classic telephone scams. Scammers are using... - [Coronavirus Scams](https://www.peoplescu.org/security/coronavirus-scams/): Scammers are taking advantage of fears surrounding the Coronavirus. They’re setting up websites to sell bogus products, and using fake... - [Tech Support Scams](https://www.peoplescu.org/security/tech-support-scams/): Scammers are calling and claiming to be computer techs from well-known companies such as Microsoft, Dell, HP, and Apple. They... - [Card Skimming](https://www.peoplescu.org/security/card-skimming/): Card skimming is on the rise in the Pacific Northwest. Locations up and down the I-5 corridor as well as... - [How do I stay safe while shopping online?](https://www.peoplescu.org/security/how-do-i-stay-safe-while-shopping-online/): Monitor purchase activity: Review your account activity regularly, especially when you’re busy shopping. You can download our mobile banking app... - [How does identity theft happen?](https://www.peoplescu.org/security/how-does-identity-theft-happen/): Identity theft can occur when an individual obtains personal information, such as your Social Security number, date of birth, address,... - [Security Tips for Online Holiday Shopping](https://www.peoplescu.org/security/security-tips-for-online-holiday-shopping/): The Internet has made holiday shopping easier than ever before. With just a few clicks, you can check everything off... - [How can I stay safe from fraud while traveling?](https://www.peoplescu.org/security/how-can-i-stay-safe-from-fraud-while-traveling/): Vacations should be fun and relaxing. The last thing you want to deal with while traveling is credit card fraud.... - [How does ATM fraud happen?](https://www.peoplescu.org/security/how-does-atm-fraud-happen/): How does ATM fraud happen? ATM fraud can occur when individuals lose their card, give their card to someone else... - [What is check cashing fraud?](https://www.peoplescu.org/security/what-is-check-cashing-fraud/): This guide provides tips for protecting yourself against check cashing fraud. Check cashing fraud occurs when individuals use information taken... - [How can I protect against credit card fraud?](https://www.peoplescu.org/security/how-can-i-protect-against-credit-card-fraud/): Debit and Credit Card Fraud Debit and credit card fraud generally occurs when cards or card numbers are compromised. By... - [What is a Phone Vishing Scam?](https://www.peoplescu.org/security/what-is-a-phone-vishing-scam/): Vishing is a scam similar to Phishing, the scam involves sending a spam email or pop-up message telling you that... - [How can I protect myself against internet fraud?](https://www.peoplescu.org/security/how-can-i-protect-myself-against-internet-fraud/): Phishing can take place through different mediums and the most common threat is through emails. Criminals send out phishing emails... - [Careers](https://www.peoplescu.org/about/careers/): Careers with People’s Community Federal Credit Union A career at People’s Community Federal Credit Union gives you the opportunity to... - [Community Service](https://www.peoplescu.org/about/community-service/): Supporting Our Communities As a not-for-profit financial cooperative, how we invest and operate affects the success of our local communities.... - [Fee Schedule](https://www.peoplescu.org/fee-schedule/): Rates Effective: Account Service Fees Checking Fees Savings Fees Electronic Funds Transfer Fees Safe Deposit Fees Account Service Fees DISCLOSURES... - [Mobile Banking](https://www.peoplescu.org/personal-banking-services/mobile-banking/): Manage your accounts from virtually anywhere Mobile Banking Text Banking Mobile Deposit Mobile Banking Mobile Banking People’s Mobile Banking allows... - [Secured Visa® Credit Card](https://www.peoplescu.org/credit-cards/secured-visa-credit-card/): Apply for a Secured Visa® Credit Card Now You asked and we listened, People’s is now offering Secured VISA® Credit... - [Visa® Secure](https://www.peoplescu.org/credit-cards/visa-secure/): Online shopping secured with Visa® People’s offers comprehensive fraud protection, Visa® Secure goes a step further, adding an extra layer... - [How is My Credit Score Calculated?](https://www.peoplescu.org/personal-loans/how-is-my-credit-score-calculated/): Credit scores play such an important role in your life; they’re used to obtain homes, cars, credit cards, and more.... - [Can I Get a Loan With a Low Credit Score / Bad Credit?](https://www.peoplescu.org/personal-loans/can-i-get-a-loan-with-a-low-credit-score-bad-credit/): Need a loan but have bad credit? While you may have fewer options available to you and possibly higher interest... - [Can You Withdraw Money Without a Debit Card?](https://www.peoplescu.org/personal-loans/can-you-withdraw-money-without-a-debit-card/): If you’re like most people, you’ve suffered the headache of losing your debit card or even worse–getting it stolen. It’s... - [Can You Set Parental Controls on a Credit Card?](https://www.peoplescu.org/credit-cards/can-you-set-parental-controls-on-a-credit-card/): A credit card is a good way to teach your teen how to manage their money, learn about interest rates,... - [How to Dispute Mistakes on Your Credit Report](https://www.peoplescu.org/personal-loans/how-to-dispute-mistakes-on-your-credit-report/): Everyone should monitor their credit report, but it’s especially important if you’re planning to apply for a credit card, buy... - [What Are Secured Credit Cards?](https://www.peoplescu.org/credit-cards/what-are-secured-credit-cards/): Secured credit cards are great tools for people who want to build or rebuild their credit. Rather than using your... - [How to Build Credit as a College Student](https://www.peoplescu.org/personal-loans/how-to-build-credit-as-a-college-student/): From qualifying for loans to renting apartments, your credit score can play a large role in how you make key... - [How to Help Your Child Build Credit](https://www.peoplescu.org/personal-loans/how-to-help-your-child-build-credit/): Teaching your children how to responsibly manage their finances is an important step in preparing them for the adult world.... - [Can Taxes Affect Your Credit?](https://www.peoplescu.org/personal-loans/can-taxes-affect-your-credit/): A large tax bill can be stressful and overwhelming. But, what if you can’t afford it? With tax season upon... - [How Are Credit Unions and Banks Different?](https://www.peoplescu.org/personal-loans/how-are-credit-unions-and-banks-different/): If you’re in Vancouver, WA, and curious about the differences between credit unions and banks, you’ve come to the right... - [What Is a Pending Balance?](https://www.peoplescu.org/personal-loans/what-is-a-pending-balance/): Your pending balance may not always match the available balance in your bank account, because it takes into account any... - [How to Pay Off Holiday Debt](https://www.peoplescu.org/personal-loans/how-to-pay-off-holiday-debt/): Did you overspend during the holiday season? You aren’t alone. Americans planned on spending an average of $997. 79 on... - [Personal Loan or HELOC for Home Improvement](https://www.peoplescu.org/personal-loans/personal-loan-or-heloc-for-home-improvement/): Whether you’ve just purchased a fixer-upper or want to update your existing home, home improvement projects can really add up... - [The Advantages of Digital Payment Methods](https://www.peoplescu.org/personal-loans/the-advantages-of-digital-payment-methods/): Our lives are exponentially digital–and with people being concerned about the health risks associated with handling cash, digital payment methods... - [Can You Use a Personal Loan to Pay Off Debt?](https://www.peoplescu.org/personal-loans/can-you-use-a-personal-loan-to-pay-off-debt/): With debt, it’s easy to feel stuck. If you’re having to juggle multiple deadlines each month or battle against high... --- ## Posts --- # # Detailed Content ## Pages - Published: 2025-09-04 - Modified: 2025-11-07 - URL: https://www.peoplescu.org/recreational-vehicle-loans/ Five Convenient Credit Union Branches: Hazel Dell | Battle Ground | Fisher's Landing | Vancouver Waterfront | Ridgefield Get a loan for your new RV and hit the open road. Dreaming of adventure? First, you need a recreational vehicle loan that fits your budget. At People's Community Federal Credit Union, we provide hassle-free and affordable loans for your next recreational vehicle, including motorhomes, trailers, boats, motorcycles, ATVs, and much more. People's Community Credit Union offers car loans and truck loans in the greater Vancouver WA area. *Annual Percentage Rate Join Now Apply for a Loan Apply Today for an Affordable Recreational Vehicle Loan Do you live in the Pacific Northwest? Then you know the call of the Great Outdoors is strong. There’s so much to experience here – from rivers and lakes to mountains and the Open Road. When the call becomes impossible to ignore, a new RV is one of the best ways to get out there and experience it. And wherever your next adventure is located, our recreational vehicle loans will help you get there. Our recreational vehicle loans cover any type of RV, from conventional recreational vehicles like motorhomes and campers, to “vehicles meant for recreational use” like ATVs, dune buggies, and off-roaders. We offer loans for recreational vehicles of all types, including: Motorhomes Campers Trailers ATVs Snowmobiles Jet Skis Motorcycles Boats And Much More! Motorcycle Loans Searching for a motorcycle loan in Southwest Washington and Clark County? Your ride starts here. Motorcycle Loans Boat Loans Enjoy... --- - Published: 2025-09-04 - Modified: 2025-09-04 - URL: https://www.peoplescu.org/recreational-vehicle-loans/rv-loans/ Ready to hit the open road? At People's Community Federal Credit Union, we’re here to provide you with the affordable financing options that make it possible. We’re a community-based credit union that offers RV loans that fit your budget, along with a quick and hassle-free approval process that allows you to get out there ASAP. If you’ve always wanted to experience the majestic beauty of the Pacific Northwest in a motorhome, camper, toy hauler, fifth wheel, trailer, or any other kind of RV, there’s no time like the present. From the Oregon dunes to the Painted Hills, and Mount Saint Helens to the Olympic Peninsula, give yourself the gift of the kind of freedom you can only enjoy in an RV. Call People's Community Federal Credit Union today and find out how to apply for a travel trailer, motorhome, or camper loan designed for your lifestyle. Why Choose People's Community Federal Credit Union for Your RV Loan? A great rate is just the start. When you finance with us, you get a dedicated local partner committed to your adventure. Complete Financing Options: 100% financing for People's Community Federal Credit Union members. Loans That Let You Live Your Life: Flexible and affordable repayment plans. The Same Affordable Rate for Everyone: Loan rates are the same for all members who qualify. Quick and Easy Process: Fast decisions guided by people right here in Southwest Washington. New and Used, Dealer and Private Seller: Found the perfect used travel trailer from a seller in... --- - Published: 2025-08-22 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/recreational-vehicle-loans/boat-loans/ People's Community Credit Union serves the greater Vancouver WA area. Join Now Boat Financing With People's Community Federal Credit Union The waterways of the Pacific Northwest are some of the most beautiful in the country, and we give our members the financial tools they need to take full advantage of them. People's Community Federal Credit Union offers affordable boat loans that can make your dreams come true. We offer financing on all kinds of boats, from small fishing boats to jet skis and luxury yachts, and all our members get the same low rates when they qualify, regardless of credit score! View our current boat financing rates here under ‘Auto Loans’. The Benefits of a People’s Boat Loan When you arrive at the marina with a boat loan that has already been approved, you get to decide what you want, instead of accepting what a sales representative says you qualify for. While this is a serious advantage, it is just one of the many benefits of boat financing with us, even if this is your first time buying a boat. Other features of our boat loans include:Low rates: At People’s, we offer some of the best boat loan rates around with flexible terms to help keep your monthly payments affordable. No “as low as” trap: Once approved, all our members get the same low rates. Excellent member service: We treat our members like people and not numbers. Call us today with any questions you might have and experience the difference!... --- - Published: 2025-05-13 - Modified: 2025-05-13 - URL: https://www.peoplescu.org/youth-savings-accounts/teens-guide-buying-a-car/ Buying your first car is an exciting milestone, but it can also be overwhelming – especially when it comes to financing. Teenagers might be wondering how to navigate the process of saving, budgeting, and paying for a first car. And as a minor, there are additional roadblocks in navigating this process. Many young people don't know where to start when it comes to saving money, understanding car loans, or building credit. Typically teens rely on their parents or guardians for guidance and financial support when buying a car. While this can be helpful, it doesn't always empower young people to take control of their financial future. Additionally, traditional banks and financial institutions may not always have the right resources, making the process even more daunting. Savings accounts specifically for teens can help them understand financial concepts and work towards their goals – including buying a car. People's Community Federal Credit Union’s Loyalty Savings Accounts are a great launchpad to help young people save money. We understand the unique challenges teens face when it comes to making their first big purchase. That's why we've put together this comprehensive guide to help you through every step of the car-buying journey. How to Save Money for a Car (as a Teenager) One of the biggest challenges in buying a car is saving enough money for it. When you’re underage, you can usually save money by putting away some job income, gifts, or opening a savings account. Between school, part-time jobs, and other responsibilities,... --- - Published: 2025-02-04 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/youth-savings-accounts/ We offer Loyalty Savings Accounts that give kids a jump start on their savings. People's Community Credit Union serves the greater Vancouver WA area. Join Now Open an Account Help Your Child Develop Financial Literacy It’s important to get an early start on financial literacy, and the People's Community Federal Credit Union team is here to help! We provide a unique type of savings account, called a Loyalty Savings Account, which has special benefits for kids under 18. On this page, we’ll go over a few of these benefits, and provide some useful resources for kids, parents, and educators to learn more about getting started. Advantages of People's Community Federal Credit Union’s Loyalty Savings Accounts People's Community Federal Credit Union proudly offers Loyalty Savings Accounts that give kids a jump start on their savings. These accounts are great for kids because they offer a higher interest rate than other savings accounts. With this kind of account, the first $750 you put in your account will earn a 6. 00% APY (Annual Percentage Yield). This means you’ll earn 6% of the money you put in the account back in interest if you leave it there for a year. For example, if you put in $100, you’ll have $106 by the end of the year – just for leaving your money in the bank! Compared to the national average for savings accounts – 0. 56% APY – it’s easy to see how much of a boost our Loyalty accounts can give you... --- - Published: 2025-01-16 - Modified: 2025-01-16 - URL: https://www.peoplescu.org/credit-cards/balance-transfer-definition/ Put simply, a credit card balance transfer is when debt is moved from one account to an account with a lower interest rate. The balance transfer card allows you to repay your debt at a lower interest rate, which means you can make payments directly to your balance faster. You can also save money by reducing the amount of interest you pay back each month. If you’re dealing with troublesome debt and you’re looking for a way to decrease your balance more easily, a credit card balance transfer with People's Community Federal Credit Union could be the perfect solution. Read on to learn more. What to Look For in a Balance Transfer Card Since you’re moving your debt from one account to another, it’s important to look for a credit card with a lower interest rate than your current account. Many cards require a balance transfer fee, but not all of them. At People's Community Federal Credit Union, we offer balance transfers at lower interest rates than many other credit cards on the market – with low annual interest rates and no balance transfer fees. This sets you off on the right foot, giving you an advantage on repaying your debt and getting back to a debt-free life. Benefits of a Credit Card Balance Transfer Is a balance transfer card right for you? The best way to answer this question is to consult with the team at People's Community Federal Credit Union – but, to get you started, here are... --- - Published: 2025-01-16 - Modified: 2025-01-16 - URL: https://www.peoplescu.org/credit-cards/balance-transfers-affecting-credit-score/ Short answer: it depends. Depending on your circumstances, a credit card balance transfer may have a positive or negative impact on your credit score – or it may have no impact at all. Like any tool, balance transfers have their specific uses, and work best when used in specific cases. The People's Community Federal Credit Union team is here to help you learn about these tools – and decide whether they’re right for your situation. How to Use Balance Transfers Effectively For a credit card balance transfer to have the best possible impact on your credit score, you need to open a new card with a low APR and pay down your balance. This naturally means you’ll need to have a plan to pay it down. Here are a few tips to help you on your way: Avoid using your balance transfer card to buy things. The point of a balance transfer card is to reduce your debt, not increase it. Budget effectively. Track your spending and cancel unnecessary recurring payments, like streaming services you aren’t using. Set up autopay. This will prevent you from missing payments – potentially saving you from late fees and further negative credit score impact. Building a solid payment history accounts for up to 35% of your credit score, so it’s important to be consistent. Keep your current accounts open. The age of your existing accounts is a big part of your credit score; the older, the better. Closing an old account can make your... --- - Published: 2024-12-30 - Modified: 2024-12-30 - URL: https://www.peoplescu.org/personal-loans/debt-consolidation-with-a-personal-loan/ At this time of year, many of us in Clark County and Southwest WA find ourselves facing a familiar challenge: the aftermath of holiday spending. If you're looking at a stack of bills and feeling overwhelmed, you're not alone. The good news is there's a smart, effective way to take control of your finances and start the year off right: debt consolidation with a personal loan. Debt consolidation offers a path to streamline your finances and potentially save money in the process. As your local credit union, People's Community Federal Credit Union offers an alternative that's rooted in fairness, personalized service, and a genuine commitment to your financial well-being. See how much you can save using our debt consolidation calculator here. Let's explore how debt consolidation with a personal loan can work for you, and why choosing a credit union might be your best move yet. What Is Debt Consolidation? Debt consolidation is a way to combine multiple debts, loans, or bills by taking out a new loan, leaving you with just one monthly payment to manage. It often comes with a lower payment, lower interest rate, or longer payoff terms. Consolidation can be used to combine unsecured debts like credit cards or medical bills. Think of debt consolidation as decluttering your financial life. Juggling multiple payments, each with its own due date and interest rate, can be incredibly stressful. It's easy to lose track, miss a payment, and end up paying more in late fees and interest. By consolidating... --- - Published: 2024-10-03 - Modified: 2024-10-16 - URL: https://www.peoplescu.org/home-loans/home-equity-line-of-credit/understanding-heloc-requirements/ Want to make improvements to your home or boost its value but don’t have the cash on hand? Opening a line of credit is a great opportunity to dip into your home equity, in the form of a home equity line of credit (HELOC). Getting a HELOC from a financial institution gives you access to money (typically in the tens of thousands) to invest in home upgrades, based on how much equity you have. However, what stands between most homeowners and getting a HELOC is understanding the nitty-gritty of the requirements and how to navigate them. Typically, the process involves pulling credit checks, equity assessments, and financial paperwork. At People’s Community Federal Credit Union, we’re here to help you through every step of the HELOC process so that you don’t get overwhelmed by the red tape while trying to achieve your home improvement goals. Read on to learn more about navigating HELOC requirements. What Is a Home Equity Line of Credit (HELOC)? Having a HELOC is a flexible way to borrow money, based on the equity you've built up in your home. A home equity loan functions like a traditional loan, where you borrow a specified amount to pay back in payment installments. On the other hand, a line of credit allows you to borrow more than once, with continued access to funds as you pay them back. A HELOC functions more similarly to a credit card, with your home as collateral. However, many homeowners hesitate to apply because the... --- - Published: 2024-09-16 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/locations/hazel-dell/ Hazel Dell Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 7403 NE Hazel Dell Avenue, Vancouver, WA 98665 People’s Community Federal Credit Union serves those who live, work or worship anywhere in Clark County WA, Cowlitz County WA and Skamania County WA. As a member, you don’t just use our credit union. You own it. Everyone that’s approved for a loan gets the same 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 credit score. Lobby HoursMonday - Friday: 9:00 a. m. – 5:30 p. m. Drive ThruMonday - Thursday: 9:00 a. m. – 5:30 p. m. Friday: 9:00 a. m. – 6:00 p. m. Phone: 360-695-5121Toll-Free: 1-800-252-6525 Mailing AddressPO Box 764Vancouver, WA 98666 Services offered at this location Open an Account Apply for a Loan ATM Night Drop Drive Through Notary Services Safe Deposit Boxes Coin Counter Same Day Debit Card Printing People's Hazel Dell Branch Have you visited People's Community Federal Credit Union in Hazel Dell recently? We'd love to hear how your experience went! LEAVE A REVIEW 24/7 Live Call Center A representative can help you open an account, apply for a loan and much more. Toll-Free: 1-800-252-6525 24hr Teller Call our automated phone system for fast automated banking. Local: 360-695-7559Toll-Free: 1-877-TELLER0 --- - Published: 2024-09-16 - Modified: 2024-09-16 - URL: https://www.peoplescu.org/locations/hazel-dell/hazel-dell-north/ Credit Union in Hazel Dell North | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators... --- - Published: 2024-09-16 - Modified: 2024-09-16 - URL: https://www.peoplescu.org/locations/hazel-dell/northeast-hazel-dell/ Credit Union in Northeast Hazel Dell | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators... --- - Published: 2024-09-16 - Modified: 2024-09-16 - URL: https://www.peoplescu.org/locations/hazel-dell/hidden-glenn/ Credit Union in Hidden Glenn | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-09-16 - Modified: 2024-09-16 - URL: https://www.peoplescu.org/locations/hazel-dell/hazel-dell-south/ Credit Union in Hazel Dell South | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators... --- - Published: 2024-09-16 - Modified: 2024-09-16 - URL: https://www.peoplescu.org/locations/hazel-dell/west-hazel-dell/ Credit Union in West Hazel Dell | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators... --- - Published: 2024-05-01 - Modified: 2025-09-23 - URL: https://www.peoplescu.org/recreational-vehicle-loans/boat-loans/buying-your-first-boat/ From the mighty Columbia to the sparkling Deschutes and everything in between, there’s no shortage of beautiful waterways in the Pacific Northwest. Whether you like fishing, swimming, or sightseeing, there are few better ways to experience all this natural beauty than from the bow of your very own boat.   Enjoying a boat is easy, but purchasing one can be a bit more complicated. If you want to buy your first boat and start summer off on the right foot, here’s some key information to make the process a little easier. How Do Boat Loans Work? Boat loans are an awful lot like car loans; you get a specific amount and pay interest over a fixed term, with the boat acting as collateral much like a car would. Also similar to cars, there are three main places to obtain a boat loan—through a bank, a credit union, or a boat dealer. The main difference between boat loans and traditional auto loans include: Longer terms: While most auto loan terms range from two to eight years, boat loans may run between seven and twenty. Higher down deposits: Since boats are considered a higher-risk investment than a car, many creditors require a higher down payment.   Larger loan limits: Boats are often more expensive than traditional vehicles, so the higher loan limits reflect the increase in price.   More stringent requirements: Your credit score and debt-to-income ratio both matter when buying a car, but they’re more emphasized when taking out a larger... --- - Published: 2024-04-18 - Modified: 2025-09-04 - URL: https://www.peoplescu.org/recreational-vehicle-loans/rv-loans/financing-first-rv/ From the temperate rainforests and snow-capped mountains to sand dunes and beaches, the Pacific Northwest is known for its seemingly endless opportunities for outdoor adventure. And what better way to explore this gorgeous region than from your very own RV? Whether you’re dreaming of a camper, a trailer, or a different type of recreational vehicle, an RV can bring a lot of excitement and wonder to your life. But, purchasing your first RV may be a bit overwhelming, especially considering how many options you have available. To help you out, People's Community Federal Credit Union has put together what you need to know to get the best deal when financing an RV. How Are RV Loans Different From Auto Loans? Though RV and auto loans are very similar, there are a couple of differences that are helpful to know about. First and most obvious is that they’re designed to cover different types of vehicles; auto loans cover traditional vehicles like cars, trucks, and SUVs, while RV loans are tailored for recreational vehicles like motorhomes, campers, and trailers. A few other differences may include: Loan Amounts: Due to the typically higher cost of recreational vehicles compared to standard automobiles, RV loans may involve larger loan amounts. This reflects the greater investment required for purchasing an RV and may result in longer loan terms. Interest Rates: It's common for RV loans to carry higher interest rates compared to auto loans. This is partly due to the larger loan amounts involved and the... --- - Published: 2024-04-17 - Modified: 2024-04-17 - URL: https://www.peoplescu.org/auto-loans/credit-union-bank-or-dealership-financing/ Buying a new vehicle can be exciting, but one of the most critical decisions you'll face in the process is where to finance your car purchase. Auto loan financing can significantly impact your overall ownership experience, affecting everything from monthly payments to the total cost of the vehicle.   With various options available, it's essential to choose the right lender that aligns with your financial goals and preferences. So, is it best to finance through a credit union, a bank, or a dealership? Here’s what you need to know.   Should You Get An Auto Loan Through a Dealership? Dealership financing, also known as "in-house" or "captive" financing, involves securing a loan directly through the dealership where you're purchasing your vehicle. While dealerships work with various lenders, they may also offer financing options through their own finance departments. One of the primary advantages of dealership financing is the streamlined process. Since you're already at the dealership to purchase a vehicle, you can complete the financing application and approval process on-site, often within the same visit. They may also offer special promotions to further incentivize you to do business with them.   Unfortunately, when financing through a dealership, agreements may have high interest rates or include additional fees and charges, such as loan origination fees or documentation fees. You may also encounter pressure to purchase additional products or services, such as extended warranties. This could lead to an overall much higher cost than financing through a bank or a credit union.... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/kalama/ Credit Union in Kalama WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/woodland/ Credit Union in Woodland WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/hayes/ Credit Union in Hayes WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/etna/ Credit Union in Etna WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/ariel/ Credit Union in Ariel WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/highland/ Credit Union in Highland WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/pine-grove/ Credit Union in Pine Grove WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/la-center/ Credit Union in La Center WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/duluth/ Credit Union in Duluth WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/lambert/ Credit Union in Lambert WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2024-03-18 - Modified: 2024-06-03 - URL: https://www.peoplescu.org/locations/ridgefield/pioneer/ Credit Union in Pioneer WA | Personal Banking Services Skip to content Username Password Sign In Become a Member! Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility Statement Wire Transfer Instructions Disclosures Savings Accounts For Kids Personal Banking Online Banking Mobile Banking Telephone Banking eStatements Bill Pay Accounts Personal Checking Accounts Carefree Checking Loyalty Checking Personal Savings Accounts Carefree Savings Loyalty Savings Loans Auto Loans Recreational Vehicle Loans Motorcycle Loans Boat Loans RV Loans Personal Loans Home Loans Mortgage Loans Home Equity Loans Home Equity Lines of Credit Credit Cards Visa® Platinum Secured Visa® Security Spoofed Caller-ID Numbers Coronavirus Scams Tech Support Scams Card Skimming Contact Us All Locations Battle Ground Vancouver Waterfront Fisher’s Landing Ridgefield ATM Locator About Us Credit Unions vs Banks Credit Union Bylaws Safe, Strong, and Secure. Newsletters Careers Community Service Applications & Forms Reviews Resources Current Rates Fee Schedule Financial Calculators Accessibility... --- - Published: 2023-12-05 - Modified: 2024-04-29 - URL: https://www.peoplescu.org/credit-cards/first-credit-card/ Start Your Visa® Platinum Credit Card Application Now In a world where fewer and fewer purchases are made with paper money, some businesses have even begun refusing it altogether. These days, a credit card isn’t a luxury – it can be a necessity. But if this is your first credit card, you may have some questions. Don’t worry – People’s Community Federal Credit Union will guide you through the process. Your first credit card is an indispensable tool for savvy personal finance, and at People’s Community Federal Credit Union, we can help you get started. Apply today. Why Should You Get a First Credit Card? Convenience and increased purchasing power are common reasons why many people get credit cards, but they’re far from the only reasons. Your first credit card can help you out in many other ways including: Building credit: Your credit will follow you throughout your life and affect your ability to make large purchases from cars to houses. Using your first credit card responsibly is a great way to build the credit you need to make significant purchases. Fraud protection: Most credit cards offer built-in fraud protection, refunding the money for any purchases that weren’t yours. Earning rewards: Many credit card companies offer rewards: cashback, points, or miles that can be used to treat yourself to something special when you’ve earned it. Rainy day factor: Unfortunately, things can go wrong, and with your first credit card, you’ll be prepared when they do. How to Choose the Right... --- - Published: 2023-03-21 - Modified: 2023-09-06 - URL: https://www.peoplescu.org/about/safe-strong-secure/ The People’s DifferenceWe have been serving our community since 1952, and don’t plan on stopping any time soon. With over 10,000 members, we are a strong and secure financial services institution. We fulfill our people-helping-people mission by serving our members’ financial needs. Our core values and philosophy have stayed the same throughout our journey, and our members can guarantee that People’s is here to stay! Federally Insured by the National Credit Union AdministrationOur credit union is federally insured by the National Credit Union Administration (NCUA). Your deposits are insured up to $250,000. This insurance protects your money the same way the Federal Deposit Insurance Corporation (FDIC) does at banks in the event something was to happen. Credit Unions Vs. BanksThe primary difference between credit unions and banks is ownership. Banks are for-profit companies with a primary obligation to their shareholders. They make money by charging interest on loans and collecting account fees. Credit unions, on the other hand, are not-for-profit institutions owned and controlled by their members, which are account holders. The Credit Union returns earnings to our members in the form of lower loan rates, higher dividends on deposits, and lower fees. We also offer a more personalized experience and there is often no minimum, or a very low minimum amount needed to open an account. Here at People’s Community Federal Credit Union, our members can rest assured that their money will always be safe, strong, and secure. If you have any questions or concerns regarding any of the... --- - Published: 2022-12-14 - Modified: 2025-11-07 - URL: https://www.peoplescu.org/locations/ Credit Union Locations Five Convenient Branches in the Vancouver WA area We have five convenient credit union branches in Vancouver, Ridgefield, and Battle Ground Washington. Vancouver Waterfront701 W Columbia WayVancouver, WA 98660 Hazel Dell7403 NE Hazel Dell AveVancouver, WA 98665 Battle Ground121 NW 20th AveBattle Ground WA 98604 Fisher's Landing16211 SE 12th StreetVancouver WA 98683 Ridgefield109 S 65th Ave, Ste 102Ridgefield, WA 98642BranchHoursHazel Dell7403 NE Hazel Dell AvenueVancouver, WA 98665MORE DETAILSLobby HoursMonday-Friday: 9:00 a. m. - 5:30 p. m. Drive-Up HoursMonday-Thursday: 9:00 a. m. - 5:30 p. m. Friday: 9:00 a. m. - 6:00 p. m. Battle Ground121 NW 20th AvenueBattle Ground, WA 98604MORE DETAILSLobby HoursMonday-Friday: 9:00 a. m. - 5:30 p. m. Drive-Up HoursMonday-Thursday: 9:00 a. m. - 5:30 p. m. Friday: 9:00 a. m. - 6:00 p. m. Vancouver Waterfront701 W Columbia WayVancouver, WA 98660MORE DETAILSLobby HoursMonday-Thursday: 9:00 a. m. - 5:30 p. m. Friday: 9:00 a. m. - 6:00 p. m. Fisher's Landing16211 SE 12th StreetVancouver, WA 98683MORE DETAILSLobby HoursMonday-Friday: 9:00 a. m. - 5:30 p. m. Drive-Up HoursMonday-Thursday: 9:00 a. m. - 5:30 p. m. Friday: 9:00 a. m. - 6:00 p. m. Ridgefield109 S. 65th Ave, Suite 102Ridgefield, WA 98642MORE DETAILSLobby HoursMonday-Thursday: 9:00 a. m. - 5:30 p. m. Friday: 9:00 a. m. - 6:00 p. m. Review One of Our Branches LEAVE A REVIEW Select a location: Vancouver Waterfront Hazel Dell Battle Ground Fisher's Landing Ridgefield Go 2025 Holiday Closures 2025 New Years DayJanuary 1Martin Luther King, Jr. DayJanuary 20Presidents’ DayFebruary 17Memorial DayMay 26Juneteenth... --- - Published: 2022-11-29 - Modified: 2024-05-17 - URL: https://www.peoplescu.org/auto-loans/new-used-auto-loans/ Competitive & Affordable Car Loan Rates Shopping for a car can be stressful, but it's a lot easier when you have your financing secured beforehand. Even better than that is when you have a new or used car loan with affordable rates that you feel good about. At People’s, you’re a person: not a number! That's why we make it as stress-free as possible to get the car loan you need. Whether you’re taking out a new auto loan or transferring an existing loan, we have you covered with competitive rates and flexible payment plans. We also offer auto loans for first-time car buyers. If you are not already a member, contact us to become a member today! Car Loan Pre-Approval Calculator Get pre-approved before you even visit the dealership! You’ll know exactly what you have for financing options, so you can concentrate on getting the vehicle you want! Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_3" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect... --- - Published: 2022-11-28 - Modified: 2025-11-07 - URL: https://www.peoplescu.org/credit-cards/ Extend your purchasing power with a People’s Credit Card. People's Community Credit Union serves the greater Vancouver WA area. Join Now Apply for a Credit Card Start Your Credit Card Application Today Our credit cards offer low rates, no annual fees, no cash advance fees, and no balance transfer fees. VISA® credit cards are accepted around the world, allowing you to make purchases in person or online, pay bills, cover travel expenses, and get emergency cash when you need it most. No Cash Advance FeesNo Balance Transfer FeesLow RatesNo Annual Fees Visa® Platinum Credit Card People’s Visa® Platinum Rewards Credit Card makes purchasing simple and convenient. Earn points toward rewards with every signature based purchase while taking advantage of our low rates. Visa® Platinum Credit Card Secured Visa® Credit Card People’s is proud to offer our Secured Visa® Credit Card, which is backed by your own money instead of a credit check. Don’t let no credit or poor credit hold you back from qualifying for a loan. Secured Visa® Credit Card Visa® Secure People’s offers comprehensive fraud protection, Visa® Secure goes a step further, adding an extra layer of security at the point where you enter credit card information online. Visa® Secure Visa® Platinum Credit Card People’s Visa® Platinum Rewards Credit Card makes purchasing simple and convenient. Earn points toward rewards with every signature based purchase while taking advantage of our low rates. Visa® Platinum Credit Card Secured Visa® Credit Card People’s is proud to offer our Secured Visa® Credit... --- - Published: 2022-11-28 - Modified: 2023-01-23 - URL: https://www.peoplescu.org/personal-loans/peoples-personal-line-of-credit/ A PLOC is the perfect companion to your People's checking account. When you sign up and are approved for a PLOC, you protect yourself against accidentally overdrawing your account. Rather than declining or returning your transaction because of insufficient funds, we'll automatically advance you a small loan. This helps you:⦁ Avoid the embarrassment of returned checks and other charges to your account⦁ Protect your credit record⦁ Avoid overdraft fees⦁ You can also use PLOC for emergencies, travel, education or other purchases you would like to finance. This is just one option available for financing these needs; we offer other personal loans, such as share-secured and debt consolidation. See what other options we offer. There are no annual fees for a PLOC, nor any fee per withdrawal. Apply for a PLOC below today! APPLY ONLINE At People’s Community Federal Credit Union, you are not a number. Every member gets the same rate, regardless of credit score. If you are approved for a PLOC, you get the same great rate as everyone else Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_1" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation... --- - Published: 2022-11-28 - Modified: 2022-11-29 - URL: https://www.peoplescu.org/personal-loans/other-personal-loans/ At People’s we can put together the loan you need. We'll work with you to meet your goals and improve your financial well-being. We offer competitive fixed interest rates, flexible terms and options, quick loan decisions made locally, automatic loan payments, and of course friendly, personal service. APPLY ONLINE Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? 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GF_AJAX_POSTBACK'). html;if(! confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_1'). replaceWith(confirmation_content);jQuery(document). scrollTop(jQuery('#gf_1'). offset. top - mt);jQuery(document). trigger('gform_confirmation_loaded', );window = false;wp. a11y. speak(jQuery('#gform_confirmation_message_1'). text);}else{jQuery('#gform_1'). append(contents);if(window) {gformRedirect;}}jQuery(document). trigger("gform_pre_post_render", ); if (event && event. defaultPrevented) { return; }... --- - Published: 2022-08-24 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/how-to-save-money-on-your-gas-bill/ Gas prices have been steadily rising, but that doesn’t mean fuel has to completely break your budget. Though many of us need to drive to and from work or other places, there are a lot of ways that you can save gas on a daily basis to reduce your spending.  If you want to save money on your gas bill, try following these tips: Consider Public Transportation Biking, taking the bus, and walking are great ways to reduce your driving time and ultimately save on gas. While it may not be feasible to take public transportation everywhere, it could be a great option if you’re running errands nearby or making a quick trip to the store. Stop Speeding and Driving Aggressively One of the best ways to save money on gas is to drive sensibly. Going over the speed limit and accelerating or braking rapidly will burn through your fuel, while also putting you at a higher risk of getting in an accident. To stay safe and conserve gas, avoid driving aggressively. Pack as Light as Possible The heavier your car, the more fuel it will need to get you from place to place. To conserve gas, avoid lugging around heavy items and pack light when traveling. It’s also useful to avoid car rooftop storage, which both add weight and wind resistance to your vehicle. Avoid Idling If you keep the car on while parked, you’re burning fuel without going anywhere. One of the best ways to save gas is... --- - Published: 2022-08-19 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/locations/battle-ground/ Battle Ground Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 121 NW 20th Avenue, Battle Ground, WA 98604 People’s Community Federal Credit Union serves those who live, work or worship anywhere in Clark County WA, Cowlitz County WA and Skamania County WA. As a member, you don’t just use our credit union. You own it. Everyone that’s approved for a loan gets the same 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 credit score. Lobby HoursMonday- Friday: 9:00 a. m. – 5:30 p. m. Drive ThruMonday- Friday: 9:00 a. m. – 5:30 p. m. Friday: 9:00 a. m. – 6:00 p. m. Phone: 360-695-5121Toll-Free: 1-800-252-6525Mailing AddressPO Box 764Vancouver, WA 98666 Services offered at this location Open an Account Apply for a Loan ATM Night Drop Drive Through Notary Services Safe Deposit Boxes People's Battle Ground Branch Have you visited People's Community Federal Credit Union at the Battle Ground recently? We'd love to hear how your experience went! LEAVE A REVIEW 24/7 Live Call Center A representative can help you open an account, apply for a loan and much more. Toll-Free: 1-800-252-6525 24hr Teller Call our automated phone system for fast automated banking. Local: 360-695-7559Toll-Free: 1-877-TELLER0 --- - Published: 2022-08-19 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/locations/vancouver-waterfront/ Vancouver Waterfront Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 701 W Columbia Way, Vancouver, WA 98660 People’s Community Federal Credit Union serves those who live, work or worship anywhere in Clark County WA, Cowlitz County WA and Skamania County WA. As a member, you don’t just use our credit union. You own it. Everyone that’s approved for a loan gets the same 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 credit score. Lobby HoursMonday- Thursday: 9:00 a. m. – 5:30 p. m. Friday: 9:00 a. m. – 6:00 p. m. Phone: 360-695-5121Toll-Free: 1-800-252-6525 Mailing AddressPO Box 764Vancouver, WA 98666 Services offered at this location Open an Account Apply for a Loan ATM Notary Services People's Vancouver Waterfront Branch Have you visited People's Community Federal Credit Union at the Vancouver Waterfront recently? We'd love to hear how your experience went! LEAVE A REVIEW 24/7 Live Call Center A representative can help you open an account, apply for a loan and much more. Toll-Free: 1-800-252-6525 24hr Teller Call our automated phone system for fast automated banking. Local: 360-695-7559Toll-Free: 1-877-TELLER0 --- - Published: 2022-08-19 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/locations/fishers-landing/ Fisher's Landing Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 16211 SE 12th Street, Vancouver, WA 98683 People’s Community Federal Credit Union serves those who live, work or worship anywhere in Clark County WA, Cowlitz County WA and Skamania County WA. As a member, you don’t just use our credit union. You own it. Everyone that’s approved for a loan gets the same 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 credit score. Lobby HoursMonday- Friday: 9:00 a. m. – 5:30 p. m. Drive ThruMonday- Friday: 9:00 a. m. – 5:30 p. m. Friday: 9:00 a. m. – 6:00 p. m. Phone: 360-695-5121Toll-Free: 1-800-252-6525Mailing AddressPO Box 764Vancouver, WA 98666 Services offered at this location Open an Account Apply for a Loan ATM Night Drop Drive Through Notary Services People's Fisher's Landing Branch Have you visited People's Community Federal Credit Union at the Fisher's Landing recently? We'd love to hear how your experience went! LEAVE A REVIEW 24/7 Live Call Center A representative can help you open an account, apply for a loan and much more. Toll-Free: 1-800-252-6525 24hr Teller Call our automated phone system for fast automated banking. Local: 360-695-7559Toll-Free: 1-877-TELLER0 --- - Published: 2022-08-19 - Modified: 2025-10-13 - URL: https://www.peoplescu.org/locations/ridgefield/ Credit Union and Personal Banking in Ridgefield Become a Member Auto Loans Credit Cards Home Loans Accounts App Download 109 S. 65th Ave, Suite 102, Ridgefield, WA 98642 People’s Community Federal Credit Union serves those who live, work or worship anywhere in Clark County WA, Cowlitz County WA and Skamania County WA. As a member, you don’t just use our credit union. You own it. Everyone that’s approved for a loan gets the same 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 credit score. Lobby HoursMonday- Thursday: 9:00 a. m. – 5:30 p. m. Friday: 9:00 a. m. – 6:00 p. m. Phone: 360-695-5121Toll-Free: 1-800-252-6525 Mailing AddressPO Box 764Vancouver, WA 98666 Services offered at this location Open an Account Apply for a Loan ATM Notary Services People's Ridgefield Branch Have you visited People's Community Federal Credit Union in Ridgefield recently? We'd love to hear how your experience went! LEAVE A REVIEW 24/7 Live Call Center A representative can help you open an account, apply for a loan and much more. Toll-Free: 1-800-252-6525 24hr Teller Call our automated phone system for fast automated banking. Local: 360-695-7559Toll-Free: 1-877-TELLER0 --- - Published: 2022-08-18 - Modified: 2025-02-12 - URL: https://www.peoplescu.org/about/newsletters/ Below is a list of our archived newsletters January 2025 October 2024 July 2024 April 2024 January 2024 October 2023 July 2023 April 2023 January 2023 October 2022 July 2022 April 2022 January 2022 --- - Published: 2022-08-18 - Modified: 2024-08-09 - URL: https://www.peoplescu.org/locations/atm-locations/ Use any Co-Op Network ATM for no-surcharge convenience everywhere. ATMs: Your Key to Cash With surcharge-free access to nearly 30,000 ATMs nationwide - and hundreds in the Vancouver area - getting cash is easy. This includes 9,000 deposit-taking ATMs and 5,500 7-Eleven locations. When you qualify for higher dividends on your Loyalty Checking Account, you also receive a refund of any ATM surcharges up to $100 each month. No matter where you go, even travelling abroad, you always can find an ATM that will safely, securely and quickly meet your cash needs. Unless you're using the ATMs located at our branches, you'll pay a small non-People's ATM fee. To find an ATM near you use the ATM Locator below or download an ATM Locator App for your mobile device. Find an ATM Find Surcharge-Free ATMs Nationwide! Zip Code Find ATM Smartphone ATM Locators Download a CO-OP Network ATM locator for your mobile device. Another bonus: Our ATM card also is a VISA® debit card. You can pay for purchases wherever VISA® is accepted, even get cash back for free at many merchants. If you are planning a trip outside of Washington or Oregon, contact us right away by phone, e-mail, or by coming into one of our branches with your itinerary so we can ensure your People's VISA® debit card will work during your adventure. --- - Published: 2022-08-16 - Modified: 2025-07-23 - URL: https://www.peoplescu.org/personal-banking-services/online-banking/ Fast, easy, secure access to your account from anywhereWith Online Banking you can:Transfer money between accountsView recent transactions (ATMs, withdrawals, deposits, and balances)View cleared checksMake loan payments and credit card paymentsCommunicate secure and confidentially with usView account historiesDownload eStatementsReview financial activity to protect against fraudEnroll today to access your account anytime, anywhere. For even more convenience, also sign-up for Mobile Banking. ENROLL NOWWith Free Bill Pay, pay bills and pay people. With eStatements, view your monthly statements and annual tax formsReady to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_3" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_1'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_1'). val;gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var confirmation_content = jQuery(this). contents.... --- - Published: 2022-08-16 - Modified: 2024-06-13 - URL: https://www.peoplescu.org/personal-banking-services/estatements/ View, download and print account statements securely onlineDid you know that almost 85% of identity theft begins with a stolen paper statement? Sign up for eStatements and receive your account statements electronically. Your statements are securely archived and you'll receive an email alert when your latest statement is ready to view. No more statements sitting in your mailbox. Aside from saving paper and helping the environment, you'll receive your statement faster and reduce paper clutter. Once you are registered, the system will start saving up to 12 months ofstatements. To access your eStatements, you can login to PCCU Online Banking. Clickon a specific account and then select Online Statements. Stop getting charged themonthly $2. 00 paper statement fee and make the switch to eStatements today! **Paper statement fee does not apply to minors or anyone over the age of 70. BenefitsGet statements fasterHelp the environment - save paper, reduce clutterMore secure than paper statementsHelps prevents Identity TheftAvoid being charged a monthly paper statement feeRegister for eStatementsTo register for eStatements please click the registration button below then click on the registration link at the top of the page. You will be asked to provide the primary member’s first and last name, SSN, birth date, account number, and email address. If you are not enrolled in Online Banking access eStatements here:ACCESS ESTATEMENTS REGISTRATIONOnce registered for eStatements, click on settings to change your e-mail address for eStatements (this will only change your email address for eStatement notifications, not on your accounts or for... --- - Published: 2022-08-16 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/credit-card-interest-calculator/ This calculator will show you how much of your current credit card payment is being applied to the principal balance and how much is pure interest. //************DO NOT REMOVE****************** //2012 Avtec Media, ALL RIGHTS RESERVED //Mortgage Refinancing Calculator //Created: 04/16/2001 //Last Modified: 06/01/2009 //This script may not be copied, edited or reproduced //without express written permission from // Avtec Media //For commercial use rates, contact: //Avtec Media Group //800-614-0372 //http://avtecmedia. com //Commercial-Use License Number: 7321-8443961 //******************************************* function stripNum(num) { num=num. toString; var len = num. length; var rnum = ""; var test = ""; var j = 0; var b = num. substring(0,1); if(b == "-") { rnum = "-"; } for(i = 0; i 1) { tmpnum=tmpnum+","; y=0; } } for (x=tmpnum. length;x>0;x--) { tmpinteger=tmpinteger+tmpnum. charAt(x-1); } finNum=tmpinteger+""+decimal; } else { finNum=integer+""+decimal; } if(isNeg == 1) { finNum = "-" + finNum; } return finNum; } function computeForm(form) { if(form. principal. value. length == 0 || form. principal. value == 0) { alert("Please enter the balance on your credit card. "); form. principal. focus; } else if(form. interest. value. length == 0 || form. interest. value == 0) { alert("Please enter the credit card's annual interest rate. "); form. interest. focus; } else if(form. payment. value. length == 0 || form. payment. value == 0) { alert("Please enter the amount you are currently paying per month. "); form. payment. focus; } else { var r = stripNum(form. interest. value); if (r >= 1. 0) { r = r /... --- - Published: 2022-08-16 - Modified: 2024-05-22 - URL: https://www.peoplescu.org/home-loans/calculator-mortgage-payment/ Estimate monthly payments and total interest paid on any fixed-rate mortgage loan. Mortgage loan amount: Annual interest rate (APR): Mortgage loan term (# years): Annual real estate taxes: Annual homeowners' insurance: Monthly PMI (Private Mortgage Insurance): Monthly Principal and Interest Payment: Monthly Taxes, Insurance and PMI payment: Total monthly mortgage payment: *Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_1" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_1'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_1'). val;gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var confirmation_content = jQuery(this).... --- - Published: 2022-08-16 - Modified: 2024-05-15 - URL: https://www.peoplescu.org/home-loans/calculator-mortgage-adjustable/ This calculator will help you to determine what your adjustable rate mortgage payment will be. //************DO NOT REMOVE****************** //2012 Avtec Media, ALL RIGHTS RESERVED //Mortgage Refinancing Calculator //Created: 04/16/2001 //Last Modified: 06/01/2009 //This script may not be copied, edited or reproduced //without express written permission from // Avtec Media //For commercial use rates, contact: //Avtec Media Group //800-614-0372 //http://avtecmedia. com //Commercial-Use License Number: 7321-8443961 //******************************************* function stripNum(num) { num=num. toString; var len = num. length; var rnum = ""; var test = ""; var j = 0; var b = num. substring(0,1); if(b == "-") { rnum = "-"; } for(i = 0; i = 1. 0) { intRate = intRate / 100. 0; } intRate /= 12; var pow = 1; for (var j = 0; j < numPmts; j++) pow = pow * (1 + intRate); pmtAmt = (prin * pow * intRate) / (pow - 1); } return pmtAmt; } function formatNumberDec(num, places, comma) { var isNeg=0; if(num < 0) { num=num*-1; isNeg=1; } var myDecFact = 1; var myPlaces = 0; var myZeros = ""; while(myPlaces < places) { myDecFact = myDecFact * 10; myPlaces = eval(myPlaces) + eval(1); myZeros = myZeros + "0"; } onum=Math. round(num*myDecFact)/myDecFact; integer=Math. floor(onum); if (Math. ceil(onum) == integer) { decimal=myZeros; } else{ decimal=Math. round((onum-integer)* myDecFact) } decimal=decimal. toString; if (decimal. length0;x--) { tmpnum=tmpnum+integer. charAt(x-1); y=y+1; if (y==3 & x>1) { tmpnum=tmpnum+","; y=0; } } for (x=tmpnum. length;x>0;x--) { tmpinteger=tmpinteger+tmpnum. charAt(x-1); } finNum=tmpinteger+""+decimal; } else { finNum=integer+""+decimal; } if(isNeg == 1)... --- - Published: 2022-08-16 - Modified: 2023-08-03 - URL: https://www.peoplescu.org/home-loans/calculator-mortgage-refinance/ Refinancing your mortgage can be a good financial decision in many instances. If you can refinance at a better rate, it can save you lots of money over the long term. Of course, if you want to make the best financial decision for yourself and your family, it's valuable to have all of the numbers at your fingertips. Our Mortgage Refinance Calculator is designed to do just that -- and to help you decide whether or not you should refinance your mortgage. Should You Refinance Your Mortgage Loan? Try our refinance mortgage payment calculator to get an estimate on your new monthly payment, net interest savings, how many months it will take to break even on the closing costs, and more. //************DO NOT REMOVE****************** //2012 Avtec Media, ALL RIGHTS RESERVED //Mortgage Refinancing Calculator //Created: 04/16/2001 //Last Modified: 06/01/2009 //This script may not be copied, edited or reproduced //without express written permission from // Avtec Media //For commercial use rates, contact: //Avtec Media Group //800-614-0372 //http://avtecmedia. com //Commercial-Use License Number: 7321-8443961 //******************************************* function computeForm(form) { var alert_txt = ""; var sum_cell = document. getElementById("summary"); var pmt1 = sn(document. calc. payment. value); var prin = sn(document. calc. principal. value); var i1 = sn(document. calc. intRate. value); if(document. calc. principal. value == "") { alert("Please enter the your mortgage's current principal balance. "); document. calc. principal. focus; } else if(document. calc. payment. value == "") { alert("Please enter the amount of your mortgage payment. "); document. calc. payment. focus; } else if(document. calc.... --- - Published: 2022-08-16 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/auto-loans/vehicle-affordability-calculator/ This calculator will help you to compute how much car you can afford. //************DO NOT REMOVE****************** //2012 Avtec Media, ALL RIGHTS RESERVED //Mortgage Refinancing Calculator //Created: 04/16/2001 //Last Modified: 06/01/2009 //This script may not be copied, edited or reproduced //without express written permission from // Avtec Media //For commercial use rates, contact: //Avtec Media Group //800-614-0372 //http://avtecmedia. com //Commercial-Use License Number: 7321-8443961 //******************************************* function stripNum(num) { num=num. toString; var len = num. length; var rnum = ""; var test = ""; var j = 0; var b = num. substring(0,1); if(b == "-") { rnum = "-"; } for(i = 0; i 1) { tmpnum=tmpnum+","; y=0; } } for (x=tmpnum. length;x>0;x--) { tmpinteger=tmpinteger+tmpnum. charAt(x-1); } finNum=tmpinteger+""+decimal; } else { finNum=integer+""+decimal; } if(isNeg == 1) { finNum = "-" + finNum; } return finNum; } function computeForm(form) { if(form. moPmt. value. length == 0) { alert("Please the monthly payment amount you can afford. "); form. moPmt. focus; } else if(form. intRate. value. length == 0) { alert("Please enter the loan's expected annual interest rate (enter zero for no-interest loans). "); form. intRate. focus; } else if(form. months. value. length == 0) { alert("Please enter the term of the loan in months. "); form. months. focus; } else { var VdownPay = stripNum(form. downPay. value); var VmoPmt = stripNum(form. moPmt. value); var VintRate = stripNum(form. intRate. value); var Vmonths = stripNum(form. months. value); var VtradeInVal = stripNum(form. tradeInVal. value); var Vrebate = stripNum(form. rebate. value); var VloanAmt = 0; var VaffordCost =... --- - Published: 2022-08-16 - Modified: 2025-03-24 - URL: https://www.peoplescu.org/personal-banking-services/bill-pay/ Conveniently pay all your bills for freeOur Free Bill Pay service lets you pay your bills electronically, whenever and wherever you want, from your computer or mobile phone. Bill Pay Same Day Bill Pay Zelle Bill Pay Bill Pay features several money and time saving benefits:Quickly add any bill with limited informationFind stored payee information online to save you time each monthSchedule recurring paymentsStop or change paymentsView previously paid bills and future bills scheduledUsing Zelle, transfer funds to anyone with a mobile phone number or e-mail address**There may be a fee associated with this service Same Day Bill Pay Same Day Bill Pay is a convenient way to expedite payments to businesses, utilities, credit card companies, and other personal financial obligations. Allows you to schedule certain electronic payments and have them delivered on the same business dayHelps you avoid late fees and costly service interruptionsCosts only $9. 95 per transaction*There may be a fee associated with this service Zelle Send, request and receive money the easy way! Send money securely from your credit union account to just about anyone with an email or mobile numberRequest money easily from a person or a group, again all you need is their email or mobile numbersMoney moves directly from your account to theirs, with no middle account to transfer in and out of. Costs only $0. 50 per transactionWith Zelle®, you eliminate the need to share private account information, as well as the hassle of making an ATM run or writing and mailing... --- - Published: 2022-08-16 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-banking-services/phone-banking/ Convenient account access from any touch-tone phone Telephone Banking Numbers:Local:  360-695-7559Toll-Free: 1-877-TELLER0 (1-877-835-5370) This free automated service is available 24/7 throughout the year and allows you to: Make loan payments and transfer funds within your credit union accountDetermine which of your checks and other transactions have clearedCheck the balance on all your accountsFind branch locations and hours Remember our live 24/7 Call Center is also available for you at 800-252-6525, any time day or night. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_1" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_1'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window) {gformInitPriceFields;}var current_page = jQuery('#gform_source_page_number_1'). val;gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery(document). trigger('gform_page_loaded', );window = false;}else if(! is_redirect){var confirmation_content = jQuery(this). contents. find('. GF_AJAX_POSTBACK'). html;if(! confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_1'). replaceWith(confirmation_content);jQuery(document). scrollTop(jQuery('#gf_1'). offset.... --- - Published: 2022-08-16 - Modified: 2025-10-20 - URL: https://www.peoplescu.org/about/applications-and-forms/ Apply for a loan or open an account anytime, anywhereUse the forms and secure online applications below to apply for membership, loans, and credit union accounts. Loans Accounts Membership Courtesy Pay Loans Apply for a Loan Applying for a loan is quick, secure and easy. Apply for a loan any time day or night. New and Used Auto LoansRecreational Vehicle LoansOverdraft Protection / Line of CreditPersonal/Signature LoansAPPLY ONLINE CONSUMER LOAN APPLICATION Accounts Open an Account OnlineThis process will take 5-10 minutes; there are two easy steps:Account Sign UpAccount FundingYou may open the following accounts online:Carefree SavingsSecondary SavingsHoliday Club SavingsLoyalty SavingsCarefree CheckingLoyalty CheckingIf you are a new member, you will need the following to open an account online:Driver’s license or state issued photo IDPrevious home address (if you have lived at your home address less than two years)U. S. Social Security numberCredit or debit card or U. S. checking account to fund the new accountOPEN AN ACCOUNT Membership Become a MemberYour membership at People’s Community Credit Union begins with your Carefree Savings account. Pay your $5 membership fee, and deposit $50 into your savings account, and you’re a member! And if you open any other deposit account, then all you need is to maintain $5 in you Carefree Savings account. MEMBERSHIP OPEN AN ACCOUNT ACCOUNT SWITCH KITWho is eligible to join? If you live, work or worship in Clark, Cowlitz or Skamania counties, you are eligible to join the credit union and gain all benefits of membership. Family members are eligible... --- - Published: 2022-08-16 - Modified: 2024-04-29 - URL: https://www.peoplescu.org/become-a-member/ All Members Enjoy Same Rates, No Matter Their Credit History People's Community Credit Union serves the greater Vancouver WA area. Join Now Open an Account If you live, work or worship in Clark, Cowlitz or Skamania counties, you are eligible to join the credit union and gain all benefits of membership. Part of a not-for-profit financial cooperative where you're an owner, not a numberEveryone gets the same rate on loans; including mortgages, auto loans and lines of creditBetter dividend rates on deposit accounts and lower fees; Dividends are paid to members, not shareholdersFree online, telephone and mobile banking, eStatements and Bill PayChecking accounts with no monthly fee or minimum balance requirementsATM access at thousands of surcharge-free ATMs nationwide**You will be charged a minimal transaction fee for using a non-People’s ATM. Federally insured accounts to at least $250,000Personalized, friendly service from our happy employees Account Switch Kit People's Switch Kit provides all the letters and forms you will need to make this transition as easy as possible are provided here. Account Switch Kit Referral Program Share how much you love your credit union with family, co-workers, neighbors and friends; and you can each earn $50! Referral Program Who Is Eligible To Join? You're treated like a valued member instead of just another customer. Family members are eligible too! No matter where they live. Whether you’re new to the area and need a financial institution you can trust, or you’re looking for a way to keep your money local and work with... --- - Published: 2022-08-16 - Modified: 2024-05-16 - URL: https://www.peoplescu.org/become-a-member/account-switch-kit/ Switch your account to People's Community Federal Credit Union People's has made moving your account from your previous financial institution fast and convenient with our Switch Kit. All the letters and forms you will need to make this transition as easy as possible are provided here. All you need to do is fill out the forms online, print them and mail the letters to the appropriate companies or individuals. Three Simple Steps to Switch Open a new membership account online. You can also visit a branch to apply. Download and mail all the necessary forms below and print the checklist to mark your progress. Close your account at your old financial institution. Verify that all checks, card transactions, and scheduled bill payments have cleared your old checking account. Account Switch KitDirect Deposit Change Request Send written notices to companies that you have direct deposit with (employer, government deposits, pension, transfers from other financial institutions, investment dividends, child support or court-issued deposits, etc. ) notifying them that you want to switch your direct deposits to your new account at People's Community Federal Credit Union. Authorization Agreement for Direct DepositSend written notice to set up direct deposits with any new companies or individuals.  To change Social Security deposits, visit: www. ssa. gov/deposit/howtosign. htmOr call the Social Security Administration at: 1-800-772-1213 (TTY 1-800-325-0778)People's Community Credit UnionRouting/Transit number: 323383394Authorization for Canceling Automatic Payments Send written notices to companies who automatically take payments from your checking account (utilities, mortgage, insurance, brokerage, credit cards, internet service providers, transfers to... --- - Published: 2022-08-16 - Modified: 2024-04-22 - URL: https://www.peoplescu.org/become-a-member/referral-program/ You get $50. They get $50. 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 with family, co-workers, neighbors and friends; and you can each earn $50! * It’s easy – here’s how it works Simply complete one of the attached Member Referral Coupons and ask your family members, co-workers, neighbors and friends to bring the coupon into any People’s Community Federal Credit Union branch. Every person who joins earns you another $50 Thank You Bonus up to a total of $200! * How about your family, co-workers, neighbors and friends? They each get to experience a fresh approach to banking at your Credit Union and receive a $50 Welcome Bonus** thanks to you. All the new member has to do to receive their $50 Welcome Bonus is to open a credit union savings account with a minimum $5 deposit and a checking account with a minimum deposit of $100. They will also need to register to receive their monthly statement electronically (e-statements); which helps the environment and is more safe and secure than the mail. The new member’s checking account must remain open, active, and in good standing for at least 90 days. ** Download the Referral Coupons » * As an existing member of People’s Community Federal Credit Union (PCCU), you’ll receive $50 for each person you refer who becomes a new PCCU member (new member) and... --- - Published: 2022-08-15 - Modified: 2025-07-30 - URL: https://www.peoplescu.org/rates/disclosures/ Accessibility Statement Membership and Account AgreementYour rights and obligations as a People's Community Federal Credit Union member. Cardlock Privacy PolicyYour privacy rights and our CardLock Privacy Policy Privacy NoticeYour privacy rights and our privacy notice. Funds AvailabilityFunds availability policies. Electronic Funds TransferElectronic funds transfer policies and your rights and obligations relating to electronic transactions. Website Operating Policy Web Links DisclaimersDisclaimer about any obligation for products or services of off-site vendors reached through a link from our Web site. Home Equity Credit Line Account DisclosuresYour rights and obligations when receiving a home equity line of credit. Notice Regarding non-Visa PIN-less Debit Card Transactions Share Certificate Truth In Savings Disclosures Truth In Savings Disclosure Truth In Savings for Loyalty Accounts Disclosure Visa® Debit Card Disclosure Visa® Credit Card Agreement Online Banking Terms and Conditions Pay Bills and Pay People Terms and Conditions Mobile Deposit Service Agreement Courtesy Pay Loyalty Brochure Savings and Checking Rate and Fee Schedule Mobile Banking Wire Transfer Instructions Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_2" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{')... --- - Published: 2022-08-15 - Modified: 2023-02-15 - URL: https://www.peoplescu.org/rates/disclosures/accessibility-statement/ Updated: February 2023 People's Community Federal Credit Union (PCCU) strives to ensure that its services are accessible to people with disabilities with the strong belief that every person has the right to live with dignity, equality, comfort and independence. Accessibility on peoplescu. org PCCU offers an Accessibility Widget that helps improve its compliance with the Web Content Accessibility Guidelines (WCAG 2. 0). Enabling the Accessibility Menu The PCCU accessibility menu can be enabled by clicking the accessibility menu icon that appears in the lower right corner of the page. After selecting the accessibility menu, please wait a moment for the accessibility menu to load in its entirety. Disclaimer PCCU continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible and unhindered use for those of us with disabilities.  Despite our efforts to make all pages and content on peoplescu. org fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution. Here For You If you are experiencing difficulty with any content on peoplescu. org or require assistance with any part of our site, please contact us during normal business hours and we will be happy to assist. Contact Us If you wish to report an accessibility issue, have any questions or need assistance, please contact us at:  360-695-5121 24/7 Toll-Free: 800-252-6525 Ready to speak about ? Questions about... --- - Published: 2022-08-15 - Modified: 2023-03-17 - URL: https://www.peoplescu.org/rates/disclosures/cardlock-privacy-policy/ People’s Cardlock powered by Fiserv – helps you control your credit and/or debit cards through your mobile device, making it easy to manage your finances on the go. The App allows you to: turn your credit and/or debit cards on and off; establish transaction controls for dollar amount limits, merchant categories and geographic locations;  receive alerts when your credit and/or debit card is used, approved or exceeds the transaction controls set by you; stay informed of potential fraud with alerts on attempted and declined transactions; and get real-time balances for your accounts. This Privacy Policy, in combination with other relevant privacy notices that we provide to you (e. g. , pursuant to financial privacy laws), inform you of the policies and practices regarding the collection, use and disclosure of any personal information that we and our service providers collect from or about users in connection with the App’s website and mobile application (the “Services”). Types of Information We Collect in the App. Through your use of the Services, we may collect personal information from you in the following ways: (a) Personal Information You Provide to Us. We may collect personal information from you, such as your first and last name, address, e-mail, telephone number, and social security number when you create an account. We will collect the financial and transaction information necessary to provide you with the Services, including account numbers, payment card expiration date, payment card identification, verification numbers, and transaction and payment history. If you provide feedback or contact us via... --- - Published: 2022-08-15 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/rates/disclosures/wire-transfer-instructions/ People’s offers incoming and outgoing wire transfer services for domestic and international wires; providing a safe, convenient and fast way to transfer funds electronically. International Western Union transfers are also available. See our Rate and Fee Schedule for the cost of these services. Incoming WiresThere is no fee for incoming wires to your account at People’s Community Credit Union. All incoming wires must be sent using the following wiring instructions.  Wires received based on other wiring instructions may be rejected and could incur additional fees.  Domestic Wiring InstructionsInternational Wiring InstructionsOutgoing WiresIt’s easy to have funds transferred electronically to another financial institution from your account at the credit union.  First you will need to obtain complete wiring instructions from the receiving financial institution or the recipient. Please remember that wiring instructions often differ from the account information at the bottom of a check. We also need the complete addresses of all parties. We are unable to guarantee the length of time it will take for the recipient institution to receive and apply the funds. You can initiate a wire transfer by coming in to one of our branches or giving us a call. See our Rate and Fee Schedule for outgoing wire fees. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_5" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner(... --- - Published: 2022-08-15 - Modified: 2025-10-15 - URL: https://www.peoplescu.org/rates/ Rates Effective: January 15th, 2025 Loan Rates Savings & Checking Rates Loan Rates Auto Loans Credit Cards Personal Loans Home Equity Loans Mortgage Loans DISCLOSURES FEE SCHEDULE Savings & Checking Rates Savings Rates Checking Rates Certificate Rates Loyalty Rates DISCLOSURES FEE SCHEDULE Auto LoansLoan TypeFixed Annual Percentage RateAuto specials*2018 or Newer (36 months)4. 50%2018 or Newer (60 months)5. 50%New RV/Boat specials**Model year 2020 or newer6. 50%Match-a-Rate*Bonus Back up to $3002. 99% MinimumNew Autos (61+ Months)Model Years 2022 or Newer(Includes Tax and License)6. 50%Used Autos (61+ Months)And Recreational loansModel Years 2018 to 20217. 00%Older Used AutosModel years 2017 or older10. 50% *Applicable to new PCCU loans and not available for refinancing PCCU loans **Recreational vehicles include: Motorhomes, Motorcycles, Boats, ATVs, Trailers, Snowmobiles, and Jet Skis. Example: If you borrow $1,000 for 60 months at 5. 50% APR, your monthly payment would be $19. 11. Visa® Credit CardLoan TypeAnnual Percentage RateVisa® Platinum Rewards Introductory Rate*Standard RateCash Advance Rate1. 90%12. 24%12. 24%*Introductory APR for one year from date of account openingFull disclosure regarding introductory ratePersonal LoansLoan TypeFixed Annual Percentage RateCertificate Secured loansabove cert. rate, rounded up to the nearest 0. 50%4. 00%Share Secured loans3. 75%All Other AdvancesBill Consolidation, Current Living Expenses, Personal Line of Credit, Etc. 11. 00%Home Equity LoansLoan TypeAnnual Percentage RateLoan To ValueHome Equity Line of CreditIndex Value: Prime*No Annual Fee7. 25%* VariableMargin: 0. 00%90%*The Annual Percentage Rate is based on the value of the index. The index is the Prime Rate, as published in The Wall Street Journal (Western Edition).... --- - Published: 2022-08-15 - Modified: 2025-11-07 - URL: https://www.peoplescu.org/personal-banking-services/ Access your account anytime, anywhere People's Community Credit Union serves the greater Vancouver WA area. Join Now Apply for a Loan Personal Electronic Banking Services People's Community Federal Credit Union offers you the services you need to make managing your money easier. Whether it's no-surcharge ATMs, or online and mobile banking, we help you manage your money so you can focus on other things. People’s free online banking service keeps you in touch with your money anywhere you have web access. Online Banking With online banking you can transfer money between accounts, view recent transactions, make loan and credit card payments, and more all on your desktop computer! Online Banking Mobile Banking People’s Mobile Banking allows you to manage your money wherever you are. Whether you’re paying bills, transferring funds, or just checking your balance, mobile banking is at your fingertips! Mobile Banking eStatements Did you know that almost 85% of identity theft begins with a stolen paper statement? Sign up for eStatements and receive your account statements electronically. eStatements Phone Banking This free automated service is available 24/7 throughout the year and allows you to make payments through your telephone. Phone Banking Bill Pay Our Free Bill Pay service lets you pay your bills electronically, whenever and wherever you want, from your computer or mobile phone. Bill Pay Account Resources When it comes to convenience and providing the tools you need, People's ensures you are able to safely access your accounts how, when and where you want. Debit/ATM Card,... --- - Published: 2022-08-15 - Modified: 2024-03-18 - URL: https://www.peoplescu.org/calculators/ Use Financial Calculators to Make Wise Financial Decisions. Loan CalculatorThis calculator will compute a loan's monthly payment amount and the total interest paid. Loan Payment CalculatorThis calculator will show you how much interest you can save if you increase your monthly loan payment. Savings CalculatorThis calculator will determine how much you can save over time if you make monthly contributions to your savings account. Share Certificate CalculatorThis calculator will compute the future value and annual percentage rate of your share certificate. Mortgage Payment Calculator - Fixed RateEstimate monthly payments and total interest paid on any fixed-rate mortgage loan. Mortgage Payment Calculator - Adjustable RateEstimate monthly payments and total interest paid on any adjustable-rate mortgage loan. Mortgage Refinance CalculatorThis calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Debt Consolidation CalculatorThis calculator will show you how much you could save if you consolidate your debt. Credit Card Interest CalculatorThis calculator will show you how much of your current credit card payment is being applied to the principal balance and how much is pure interest. Vehicle Affordability CalculatorThis calculator will help you to compute how much car you can afford. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_1" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu.... --- - Published: 2022-08-15 - Modified: 2023-06-23 - URL: https://www.peoplescu.org/personal-loans/loan-payment-calculator/ This calculator will compute a loan's payment amount at various payment intervals based on the amount borrowed, the length of the loan and the annual interest rate. Amount to Finance: Annual Interest Rate Percentage: Loan Term: 1 year 2 year 3 year 4 year 5 year 7 year 10 year 15 year 20 year 25 year 30 year Payment Frequency: Monthly Quarterly Semi-Annually Annually Principal: Interest Rate: Term: Payment Type: Payment:   *Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_2" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix a bug in chrome */ jQuery(document). scrollTop(jQuery('#gform_wrapper_1'). offset. top - mt); }, 50 );if(window) {gformInitDatepicker;}if(window)... --- - Published: 2022-08-15 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/savings-calculator/ How much can I save over time? This calculator will help you to determine the future value of a periodic investment in your savings or deposit account. //************DO NOT REMOVE****************** //2012 Avtec Media, ALL RIGHTS RESERVED //Periodic Deposit Savings Calculator V1 //Created: 08/21/1998 //Last Modified: 07/07/2009 //This script may not be copied, edited or reproduced //without express written permission from // Avtec Media //For commercial use rates, contact: //Avtec Media Group //800-614-0372 //http://avtecmedia. com //Commercial-Use License Number: 7321-8443961 //******************************************* function computeForm(form) { var ma = sn(document. calc. moAdd. value); var Vprincipal = sn(document. calc. principal. value); var Vpayments = sn(document. calc. payments. value); var i = sn(document. calc. interest. value); if(i == 0) { alert("Please enter the Interest Rate. "); document. calc. interest. focus; } else if(ma == 0) { alert("Please enter the Monthly Addition. "); document. calc. moAdd. focus; } else if(Vpayments == 0) { alert("Please enter the Number of Years. "); document. calc. payments. focus; } else { var prin = Vprincipal; var v_interval = document. calc. interval. options. value; var Vinterval = Vpayments * v_interval; i = i / 100; i /= v_interval; var pmts = Vinterval; var count = 0; while(count < pmts) { prin = Number(prin * i) + Number(prin + ma); count = Number(count) + Number(1); } var Vfv = prin; document. calc. fv. value = fns(prin,2,1,1,1); var totinv = Number(count * ma) + Number(Vprincipal); var Vtotalint = Number(prin) - Number(totinv); document. calc. totalint. value = fns(Vtotalint,2,1,1,1); } } function clear_results(form) { document. calc.... --- - Published: 2022-08-15 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/share-certificate-calculator/ This calculator will compute the future value and annual percentage rate of your share certificate. //************DO NOT REMOVE****************** //2012 Avtec Media, ALL RIGHTS RESERVED //Certificate of Deposit Calculator V1. 1 //Created: 12/15/2002 //Last Modified: 06/01/2009 //This script may not be copied, edited or reproduced //without express written permission from // Avtec Media //For commercial use rates, contact: //Avtec Media Group //800-614-0372 //http://avtecmedia. com //Commercial-Use License Number: 7321-8443961 //******************************************* function computeForm(form) { var Vprincipal = sn(document. calc. principal. value); var VintRate = sn(document. calc. intRate. value); var Vmonths = sn(document. calc. months. value); if(Vprincipal == 0) { alert("Please enter the amount of the CD. "); document. calc. principal. focus; } else if(VintRate == 0) { alert("Please enter the annual interest rate. "); document. calc. intRate. focus; } else if(Vmonths == 0) { alert("Please enter the number of months between 1 and 120. "); document. calc. months. focus; } else { var VnumCompPerYr = document. calc. compoundInt. options. value; var Vfv = FVsingleDep(Vprincipal, VintRate, Vmonths, VnumCompPerYr); document. calc. fv. value = "$" + fn(Vfv,2,1); var Vtotalint = Number(Vfv) - Number(Vprincipal); document. calc. totalint. value = "$" + fn(Vtotalint,2,1); var VoneYrFv = FVsingleDep(Vprincipal, VintRate, 12, VnumCompPerYr); var VoneYrYield = Number(VoneYrFv) - Number(Vprincipal); var Vapy = VoneYrYield / Vprincipal * 100; document. calc. apy. value = fn(Vapy,3,0) + "%"; } } function clear_results(form) { document. calc. fv. value = ""; document. calc. totalint. value = ""; document. calc. apy. value = ""; } function FVsingleDep(prin, intRate, numMonths, numCompPerYr) { var i = 0; var... --- - Published: 2022-08-15 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/debt-consolidation-calculator/ How much can I save if I consolidate my debt? //------------------------------------------------------------------------- function InitValues { ClearValues; with (document. Calc) { Title. value = ""; Creditor1. value = "Car Loan"; Balance1. value = FmtCur(2000, ""); Creditor2. value = "Visa Card"; Balance2. value = FmtCur(5000, ""); Creditor3. value = "Master Card"; Balance3. value = FmtCur(6000, ""); BorrowAddl. value = FmtCur(0, ""); Rate. value = FmtNum(6. 9, 4); Term. value = FmtNum(5, ""); TermPrd. value = "Years"; AddPrin. value = FmtCur(0, ""); } TotSet; } //------------------------------------------------------------------------- function AddLoan { var LastLoan = GetDocObj("rowLoan" + nLoan); var tblLoans = GetDocObj("tblLoans"); if (tblLoans && LastLoan) { var LastCreditor = GetDocObj("Creditor" + nLoan); LastCreditor. onchange = null; var NewLoan = tblLoans. insertRow(LastLoan. rowIndex + 1); NewLoan. id = "rowLoan" + ++nLoan; var Cell = NewLoan. insertCell(NewLoan. cells. length); Cell. align = 'right'; Cell. innerHTML = nLoan; Cell = NewLoan. insertCell(NewLoan. cells. length); Cell = NewLoan. insertCell(NewLoan. cells. length); Cell. innerHTML = ''; Cell = NewLoan. insertCell(NewLoan. cells. length); Cell = NewLoan. insertCell(NewLoan. cells. length); Cell. innerHTML = ''; } } //------------------------------------------------------------------------- function CheckAddLoan(Name) { if (Num(Name) == nLoan) { AddLoan; } } //------------------------------------------------------------------------- function TxtChg(Field) { TotSet; CheckAddLoan(Field. name); } //------------------------------------------------------------------------- function DecChg(Field) { FldDecChg(Field); CheckAddLoan(Field. name); } Creditor Balance 1 2 3 4 An empty line will be added automatically as you fill in the last loan. Balance Total $13,000. 00 Borrow Additional Consolidation Loan Amount $13,000. 00 Interest Rate % Length of Loan Years Months Additional Principal Each Month Monthly Payment $256. 81 Total Interest... --- - Published: 2022-08-12 - Modified: 2023-02-16 - URL: https://www.peoplescu.org/security/spoofed-caller-id-numbers/ Credit union members in the Northwest are falling victim to a new twist on classic telephone scams. Scammers are using easily obtained software to mimic the phone number of credit unions and other financial institutions. They then make phone calls to their victims, posing as credit union employees from the security department, and try to obtain information from the members to set up fake debit cards and credit cards. It’s incredibly easy for these criminals to spoof phone numbers. There are apps available in the Google Play and Apple stores that they can use to spoof calls. The fraudsters typically obtain stolen personal information about their intended victim on the dark web. When posing as credit union employees, they use data they already have to trick the victims into providing them with more information. Spoofed calls can be reported to the Federal Communications Commission and the Federal Trade Commission. These agencies have the authority to enforce federal laws that regulate caller ID spoofing, autodialed calls, and interstate fraud perpetrated over the phone. They may not be able to investigate individual cases, but reports can help them collect evidence for lawsuits against scammers. If you have lost money to a criminal scam, it should be reported to local law enforcement. Unfortunately, the credit union is unable to reimburse you for any lost funds resulting from you sharing confidential information. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services... --- - Published: 2022-08-12 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/security/coronavirus-scams/ Scammers are taking advantage of fears surrounding the Coronavirus. They’re setting up websites to sell bogus products, and using fake emails, texts, and social media posts as a ruse to take your money and get your personal information. The emails and posts may be promoting awareness and prevention tips, and fake information about cases in your neighborhood. They also may be asking you to donate to victims, offering advice on unproven treatments, or contain malicious email attachments. Here are some tips to help you keep the scammers at bay: Don’t click on links from sources you don’t know. It could download a virus onto your computer or device. Make sure the anti-malware and anti-virus software on your computer is up to date. Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying that have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO). Ignore online offers for vaccinations. If you see ads touting prevention, treatment, or cure claims for the Coronavirus, ask yourself: if there’s been a medical breakthrough, would you be hearing about it for the first time through an ad or sales pitch? Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.... --- - Published: 2022-08-12 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/security/tech-support-scams/ Scammers are calling and claiming to be computer techs from well-known companies such as Microsoft, Dell, HP, and Apple. They will tell you that your computer has been infected with a virus and they will try to convince you to give them access to your computer. Once they have access, they can do anything they want, such as download malware or steal your information. Another avenue for this is popups that appear in your web browser. They can be very loud and jarring and they vary in content. Most of the popups go something like this: “Your computer has been infected with a virus! Call this number for assistance! ” or “Your computer has been doing something illegal! Call this number now! ” They try to make the popup as frightening as possible so that you call them immediately without thinking things through. Many times they will also try to sell you antivirus software. They are not actually selling you any software, they are stealing your credit/debit card number.  Do not give them your credit/debit card number.  Companies like Microsoft do not have popups that tell you to call and they will never call you to say there is a virus on your computer. Recently, there has been an influx of scammers registering domain names that end in . cm instead of . com.  When you go to these fake sites, your browser ends up with many popups warning you of infections and may even freeze your computer. Make sure you are always typing the URL into... --- - Published: 2022-08-12 - Modified: 2023-02-16 - URL: https://www.peoplescu.org/security/card-skimming/ Card skimming is on the rise in the Pacific Northwest. Locations up and down the I-5 corridor as well as local gas stations have been targeted the most. Below is some helpful information on what a card skimmer is and what you can do to be on the lookout. Card skimmers are devices that fit over the ATM’s card reader and often times look like they belong on the ATM. Along with card readers, there may be hidden cameras in place to capture your pin. Look for evidence of tampering when using a gas pump. For example, some gas pumps will place a security seal over the portion of the gas pump that controls the card reader. If that seal is broken, that is a strong indication that the card reader has been tampered with. The seal will say “void” on it if it the card reader door has been opened. If using an ATM; ways to detect a skimmer include lightly pulling on the card reader and pin pad to ensure neither easily detach from the machine, paying attention to colors and graphics on the machine that appear to be different than what should be expected, and paying attention to obscured or lack of flashing lights that are normally displayed on the machine. Pay attention to anyone who appears to be loitering or otherwise hanging around a machine with no visible purpose. If this is the case, use a different machine, report the suspicious person to the business, and/or... --- - Published: 2022-08-12 - Modified: 2022-12-14 - URL: https://www.peoplescu.org/security/how-do-i-stay-safe-while-shopping-online/ Monitor purchase activity: Review your account activity regularly, especially when you’re busy shopping. You can download our mobile banking app so you can view a snapshot of your accounts while on the go and monitor your purchase activity online from home. Before heading out the door or logging on to your favorite websites, review these tips to help you stay safe: Don’t over-share on social websites: Remember not to “over-share. ” While social media websites may encourage you to share private information, avoid sharing full birthdates, place of birth, pet’s name, children’s names, or names of schools attended, especially if this information is used as a clue to account passwords or security questions. Never share your mother’s maiden name, Social Security number, bank account numbers, or usernames and passwords for any account including e-mail accounts. You’ll also want to keep your phone number and home address private. All this information could be collected and used by fraudsters to attempt illegal activity in your name. Be careful what you disclose: Don’t provide personal information to anyone who initiates contact with you. Be wary of special holiday offers or requests for personal or financial information via e-mail, text message, phone, or website for interactions you didn’t initiate. If you’re suspicious about a request for your information, verify that the request is legitimate by calling the number on the company’s website or billing statement. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask... --- - Published: 2022-08-12 - Modified: 2023-01-27 - URL: https://www.peoplescu.org/security/how-does-identity-theft-happen/ Identity theft can occur when an individual obtains personal information, such as your Social Security number, date of birth, address, and financial account numbers. Once this information is obtained, the thieves can assume or take on your identity, allowing them to illegally purchase items or obtain credit. Learn how to protect yourself from identity theft See how IdentityIQ services can help Identify Theft Resources https://www. usa. gov/identity-theft http://www. justice. gov/criminal/fraud/websites/idtheft. html Credit Bureau Contact Details Free Annual Credit Reportwww. annualcreditreport. com Equifax800-525-6285 (Fraud Hotline)www. equifax. com 800-685-1111 (Order a Report) Experian888-397-3742 (Fraud Hotline)www. experian. com 888-397-3742 (Order a Report) TransUnion800-680-7289 (Fraud Hotline)www. transunion. com 800-916-8800 (Order a Report) Credit bureaus must provide free copies of credit reports to victims of identity theft. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_5" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body'). css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_1'). html(form_content. html);if(form_content. hasClass('gform_validation_error')){jQuery('#gform_wrapper_1'). addClass('gform_validation_error');} else {jQuery('#gform_wrapper_1'). removeClass('gform_validation_error');}setTimeout( function { /* delay the scroll by 50 milliseconds to fix... --- - Published: 2022-08-12 - Modified: 2022-08-12 - URL: https://www.peoplescu.org/security/security-tips-for-online-holiday-shopping/ The Internet has made holiday shopping easier than ever before. With just a few clicks, you can check everything off your list in no time – all without leaving the comfort of your home! Though online shopping can be quick and convenient, it’s also a space where scammers can gain access to your personal information if you aren’t careful. That’s why it’s important to know security tips for online holiday shopping. To keep your hard-earned money safe from scams or fraud, it’s important to carefully safeguard your private information. Thankfully, you can stay cybersafe by following just a few simple guidelines.  Here are our top tips for staying safe while shopping online: Stick to Reputable Retailers Found a deal that seems too good to be true? It can be hard to pass up a good offer, but it’s crucial to make sure that it’s coming from a safe and legitimate retailer before getting out your credit card. We recommend only buying from retailers you know and trust. If you aren’t familiar with a seller, you should carefully research them before making a purchase. Read online reviews from previous customers, and search through the Better Business Bureau website for any complaints. If anything seems fishy, trust your instincts. Don’t Shop on Public Wi-Fi Free public Wi-Fi may seem like a convenient tool for online shopping. However, you never know who else is connected. Through unsecured Wi-Fi connections, hackers can spy on your activity and potentially steal information like your name, address, or credit... --- - Published: 2022-08-12 - Modified: 2022-12-14 - URL: https://www.peoplescu.org/security/how-can-i-stay-safe-from-fraud-while-traveling/ Vacations should be fun and relaxing. The last thing you want to deal with while traveling is credit card fraud. However, it’s easy to lose track of your private information or fall victim to a scam while on the road.  Follow these tips to stay safe from fraud while traveling: Carry as Few Cards as Possible If your wallet gets lost or stolen, it’s important to be able to cancel your cards as quickly as possible. So, if your wallet is filled with dozens of old cards, it will be a lot harder to track down exactly which ones need to be canceled or monitored. To avoid a tricky situation, only bring the cards you plan to use on your trip. Notify the Credit Union Before going out of town, notify the Credit Union, and any other credit or debit card issuers, that you’ll be traveling. Doing so will prevent your transactions from being flagged as potential fraud and declined, which can save you a headache once you arrive at your destination. This step will also keep your credit and debit card company accurately alert to any transactions that may be fraudulent. Be Cautious on Public Wi-Fi Many travelers rely on free Wi-Fi while at the airport, a hotel, or other busy spaces. However, logging into private accounts while on public Wi-Fi puts your sensitive information at risk. To avoid having your private information intercepted while using the Internet, try setting up a private hotspot or using a VPN. Ready... --- - Published: 2022-08-12 - Modified: 2023-01-30 - URL: https://www.peoplescu.org/security/how-does-atm-fraud-happen/ How does ATM fraud happen? ATM fraud can occur when individuals lose their card, give their card to someone else to use, or when their Personal Identification Number’s confidentiality is compromised. By following these simple guidelines you can greatly reduce your exposure to ATM fraud. Tips for protecting yourself against ATM fraud Never write your Personal Identification Number (PIN) on your card or in your wallet. Memorize your PIN as soon as possible. Do not reveal your PIN to anyone not authorized to use the account. Never use your date of birth, social security number, license number or street address as a PIN — those are the first numbers a crook will try. Don’t throw away your ATM receipts at the ATM location. Keep them to reconcile your account, then dispose of them properly when you get home. Always be aware of your surroundings when using the ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations. Always make sure to retrieve your ATM card from the machine when the transaction is complete. Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw. Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately. Destroy old ATM cards immediately after receiving your replacement cards. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by.... --- - Published: 2022-08-12 - Modified: 2023-01-30 - URL: https://www.peoplescu.org/security/what-is-check-cashing-fraud/ This guide provides tips for protecting yourself against check cashing fraud. Check cashing fraud occurs when individuals use information taken from your checks, or the checks themselves, to access your accounts and commit fraudulent acts. By following these simple guidelines you can greatly reduce your risk of becoming a victim. Tips for protecting yourself against check cashing fraud Always safeguard your checks. Do not leave your checks out in an open area. Never leave your checks in your car or out on your desk at the office. Keep your blank checks and canceled checks in a safe place. Put them in a vault or other secure location. Destroy old blank checks if you are not going to use them. Limit the amount of personal information printed on the checks to your name and address. Don’t use information that could compromise your identity such as your driver’s license number, social security number, and/or secret codes. Don’t leave your bill payments sitting in an unlocked mailbox for pickup. Many credit thieves will steal bills from rural mailboxes at the end of driveways so they can get your account information, checking information, and even your checks. Go to the Post Office directly or use a curbside USPS mailbox (the blue metal ones) and drop your bills in the slot rather than using less secure street mailboxes. Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted. When you make... --- - Published: 2022-08-12 - Modified: 2023-01-23 - URL: https://www.peoplescu.org/security/how-can-i-protect-against-credit-card-fraud/ Debit and Credit Card Fraud Debit and credit card fraud generally occurs when cards or card numbers are compromised. By following these simple guidelines your potential for loss can be minimized. Tips for protecting yourself against card fraud Keep a list of all your cards including the account number and phone number to the issuing company. Review your card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount. Always sign a new card immediately. When making a purchase with a card, make sure you get the card back and the receipt. Check the receipt for accuracy. When using a card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount. Never sign blank card receipts. Only travel with the cards you plan on using. Never give the account number of the card over the phone unless you initiate the call. When making an order over the telephone, try to avoid using a cordless phone. Cordless phones messages can be easily intercepted by devices as unsophisticated as baby monitors and police scanners. Do not write the PIN for the account on the card. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_5" ). setAttribute( "value", ( new Date ).... --- - Published: 2022-08-12 - Modified: 2023-01-30 - URL: https://www.peoplescu.org/security/what-is-a-phone-vishing-scam/ Vishing is a scam similar to Phishing, the scam involves sending a spam email or pop-up message telling you that your account has been compromised and will instruct you to call a phone number to verify your account information. An official sounding automated message will ask you to enter your personal financial information such as your 16-digit credit card number. Some of these scams involve a telephone call to the victim directly in which the caller already has your credit card number but asks you to verify the valuable three-digit security code. Protect yourself against “Vishing Scams” Never give your personal information over the phone. If you feel a call is suspicious, call the company directly to verify the authenticity of the call. Beware of organizations asking for charitable donations. If you want to donate money, contact the organization yourself to make sure that your money is going to the appropriate place. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_1" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0... --- - Published: 2022-08-12 - Modified: 2023-01-30 - URL: https://www.peoplescu.org/security/how-can-i-protect-myself-against-internet-fraud/ Phishing can take place through different mediums and the most common threat is through emails. Criminals send out phishing emails that look exactly like what comes from a legitimate company (your credit card company, credit union, government agency or any other service or business) in an effort to deceive you into divulging your personal or financial information. Some phishing emails also link to viruses or malware that will compromise your computer and result in all of your information being available to the criminals or even destroyed. Phishing emails often urge you to act quickly or else something bad will happen. For example, a criminal could send you an email that looks like it’s coming from a company you’ve just purchased a product from. You receive the product and then the “company” sends you an email saying they never received your payment and are taking you to court unless you give them your credit card information so they can process the transaction. It is very important to be cautious when dealing with emails. It is often the easiest and most successful way criminals steal your information. Protect yourself against “Phishing Scams” If you are ever in doubt about the legitimacy of an email, contact whoever sent it to you directly. If it was a company, look for the contact information online. Do not use the contact information in the email. Ask yourself why someone would be sending you the email. The email might look real and sound urgent but often times... --- - Published: 2022-08-12 - Modified: 2025-08-20 - URL: https://www.peoplescu.org/about/careers/ Careers with People’s Community Federal Credit Union A career at People’s Community Federal Credit Union gives you the opportunity to work with a values-based financial cooperative in an inclusive work environment. We believe in rewarding innovation, supporting diversity, and making a positive impact—socially, economically, and environmentally. People’s welcomes applications from all qualified job seekers. Our goal is to achieve an environment that helps attract and retain the best talent from a broad, diverse array of cultures and backgrounds. People’s embraces the philosophy of diversity, valuing the differences among all people. People’s Community Federal Credit Union is an equal opportunity employer and will provide equal employment opportunity without regard to race, color, age, gender, religion, creed, national origin, marital status, sexual orientation, gender expression identity, veteran’s status, physical or mental handicap or any other characteristics protected by local state and federal law. If you need assistance or an accommodation due to a disability, please email us or call us at 1-800-252-6525 and request to speak with Human Resources. --- - Published: 2022-08-12 - Modified: 2022-12-14 - URL: https://www.peoplescu.org/about/community-service/ Supporting Our Communities As a not-for-profit financial cooperative, how we invest and operate affects the success of our local communities. It's a responsibility we take seriously, and we believe our members prosper when they're connected to a vibrant, healthy community. People's Community Federal Credit Union staff donates time, money and talent to support various charitable and nonprofit organizations in our community. Your membership in the credit union helps us support local businesses, organizations and initiatives that create positive economic, social and environmental impacts in YOUR community. Organizations We Support Boys and Girls Clubs of Southwest WashingtonWe provide volunteer and financial support for the local Boys and Girls Clubs of Southwest Washington. This organization provides a positive environment, quality programs, and lifelong learning skills for all school age youth in Vancouver and its surrounding areas, with special concern for those coming from disadvantaged circumstances.   Doernbecher Children's HospitalAnother charitable focus is Doernbecher Children's Hospital Foundation. Throughout the year, we sponsor events and find other ways to help raise money for this worthy cause. We're part of a large group of credit unions that support the hospital through the "Credit Unions For Kids" program. Memory MakersThis program provides families with disabled children an opportunity to attend the Clark County Fair. Many times, these families can't go to things like this because of accessibility, cost, and other factors relating to their child's disability. People’s is proud to support this effort each year. Clark County FairPeople’s has been a major sponsor of the Clark County Fair for many... --- - Published: 2022-08-12 - Modified: 2024-07-05 - URL: https://www.peoplescu.org/fee-schedule/ Rates Effective: Account Service Fees Checking Fees Savings Fees Electronic Funds Transfer Fees Safe Deposit Fees Account Service Fees DISCLOSURES CURRENT RATESAccount Service FeesService TypeFeeMembership Fee$5. 00Membership Share, par value$5. 00Bill PayFREEBill Pay Check Copies$5. 00 per copyBill Pay Stop Payment$20. 00 per requestBill Pay Expedited Payment$14. 95 per paymenteStatementsFREE*Paper Statement Fee$2. 00Check Cashing (per hundred or any portion of $100 for each check cashed)$1. 00 without other services Fax Transmission$1. 00 per pageVerification of Deposit$5. 00 per requestCashier Check-first one free per day, then$5. 00 per checkCashier Check Copy$5. 00 per copyForeign Item Collection$35. 00 per item plus charges from the paying bank (incoming and outgoing)Foreign Item Processing$17. 00 per itemPayment by Credit Card$10. 00/paymentResearch or Account Reconciliation$20. 00 per hourStatement or Check Copy$2. 00 per copyWire Transfer (incoming)FREEWire Transfer (outgoing)$18. 00 per transferForeign Transfer (outgoing)$35. 00 per transferInternational Western Union$35. 00Unclaimed Property Fee (after 3 years)$25. 00Bad Address Fee$5. 00 per monthLevy/Garnishment Fee$35. 00Money Management Service(if $1,000 minimum balance is not met)$5. 00/month Checking Fees Checking FeesService TypeFee Overdraft Protection Transfer($100 increments)$3. 00Checking/Savings Account History$1. 00Stop Payment$20. 00 per requestCourtesy Pay Overdraft Fee$30. 00 per paid transactionNSF Transaction (whether paid or returned)$30. 00 first presentment Savings Fees Savings FeesService TypeFeeHoliday Club Early Withdrawal$5. 00/withdrawAccount Closure(< 90 days)$10. 00Unclaimed Property Fee(after 3 years)$25. 00Quarterly Low Balance Fee$5. 00Inactive Account Fee(if no activity in the previous 12 months)$5. 00 per month Electronic Funds Transfer Fees Electronic Funds Transfer FeesService TypeFeeNew Standard Debit CardFREEATM Replacement Card orPersonal Identification Number (PIN)$4. 00ATM... --- - Published: 2022-08-12 - Modified: 2023-06-26 - URL: https://www.peoplescu.org/personal-banking-services/mobile-banking/ Manage your accounts from virtually anywhere Mobile Banking Text Banking Mobile Deposit Mobile Banking Mobile BankingPeople’s Mobile Banking allows you to manage your money wherever you are. Whether you’re paying bills, transferring funds, or just checking your balance, mobile banking is at your fingertips! Check Your BalancePay Your BillsTransfer FundsView Your Account HistoryFree to all PCCU MembersMobile Banking AppsWe suggest before downloading the Apps, login to Online Banking and click on mobile in the menu at top of the page. This will take you to the page Manage Mobile Banking Devices. There you will find options for other services beyond the Apps for your phone or tablet. These choices will not be as easily accessible if you register on your phone or tablet. You may select the option to also access your account through our Mobile Browser Banking, Text Banking for sending text commands to receive account specific information, and Alert Banking, which will send e-mails for such occurrences as falling below a certain balance. Be certain to select these options before downloading the apps. While there is no fee from the credit union for these services, there may be charges from your individual carrier. Once you’ve register online, you can download the Apps by visiting either the Apple App Store or Google Play on your device and search for “People’s Community” or click on the links below. Mobile Apps Text Banking Text BankingHow to Sign-up for Text Banking Enroll in Online BankingLogin and go to the Mobile section of... --- - Published: 2022-08-11 - Modified: 2025-10-20 - URL: https://www.peoplescu.org/credit-cards/secured-visa-credit-card/ Apply for a Secured Visa® Credit Card Now You asked and we listened, People's is now offering Secured VISA® Credit Cards! People's is proud to offer our Secured Visa® Credit Card, which is backed by your own money instead of a credit check. Don't let no credit or poor credit hold you back from qualifying for a home loan or auto loan - with our Secured Credit Card, you can build your credit and take advantage of our low rates! Simply set your credit limit with a security deposit and start building your credit score. 15. 00% fixed APR* No annual fee No balance transfer fee No cash advance fee Secured by your own money (up to $5,000) Quick approval Apply for a Credit Card Download Visa® Application Form Credit Card Online Access Rates VISA® SECURE * Annual Percentage Rate*Important Credit Card Disclosure. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ /* */ First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ *During normal business hours. After hours submissions will be returned the next business day. Close... --- - Published: 2022-08-11 - Modified: 2025-08-20 - URL: https://www.peoplescu.org/credit-cards/visa-secure/ Online shopping secured with Visa® People’s offers comprehensive fraud protection, Visa® Secure goes a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens. While using a new device or making a large purchase at a participating merchant site using your Visa® card, the Visa® Secure service may launch. After you enter your Visa® card number and submit your order, a Visa® Secure window will appear where you’ll be asked questions verifying your identity. However, if you don’t get prompted with an additional check, this likely means the security check is happening in the background. You may see a symbol on your screen as this is happening. For merchants that do not participate in Visa® Secure, transactions will process as normal. Register your People’s Community Visa® Debit or Credit Card VISA® SECURE DEBIT CARD VISA® SECURE CREDIT CARD Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ /* */ First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) /* { mutations. forEach( ( mutation ) => { if ( mutation. type === 'attributes' && visibilityTestDiv. offsetParent ! == null ) { debouncedTriggerPostRender; observer. disconnect; } }); }); observer. observe( document. body, { attributes: true, childList: false, subtree: true, attributeFilter: , }); } else { triggerPostRender; } } );} ); /* ]]> */ *During normal... --- - Published: 2022-08-11 - Modified: 2024-05-17 - URL: https://www.peoplescu.org/personal-loans/how-is-my-credit-score-calculated/ Credit scores play such an important role in your life; they’re used to obtain homes, cars, credit cards, and more. But how is this three digit number calculated? Let’s explore how credit scores are calculated and how you can improve your credit score so you can get your finances on the right track. Factors That Impact Your Credit Score Payment history: Payment history is one of the biggest factors that influences your credit score. Lenders want to be sure they’re going to get their money back before lending it to you, so make sure you have a good history of making payments on time. Length of credit history: Creditors will also look at how long you’ve had your credit accounts to see how well you are at managing your financial responsibilities. Types of credit you have: Having a mix of loans, credit cards, and other credit accounts is ideal. It shows lenders your experience with a different debt. Who Looks at My Credit Score? Any landlord, creditor, utility company, and lender may pull your credit report to see how reliable you are when it comes to repaying your debts. So before you apply for a credit card or loan, you’ll want to make sure you have good credit so that you receive a low interest rate. However, you don’t always need to have a high credit score to get the best deals. At People’s Community Federal Credit Union, all of our members get the same low rate no matter their... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/can-i-get-a-loan-with-a-low-credit-score-bad-credit/ Need a loan but have bad credit? While you may have fewer options available to you and possibly higher interest rates, you can still get a loan with a low credit score. Here’s how: 1. Try a Collateral Loan If you have bad credit, a collateral loan can be an option. With collateral loans, also called secured loans, the loan is guaranteed by something you own, whether it be your home, your car, or your savings account. If you fail to pay your loan, the lender has the right to claim your collateral. Home equity lines of credit and cash-secured loans are examples of collateral loans. Just make sure you make your monthly payments on time. 2. Have a Cosigner If you can’t get approved for a loan on your own, a co-signer with good credit can help. A co-signer is someone who gives your lender confidence that the loan will be paid. However, if you don’t make your monthly payments on time, both you and your co-signer’s credit scores will be impacted. 3. Borrow Less Reducing the amount of money you’re applying for may increase your chances of getting approved for the loan since it is less risky than a large lump sum. 4. Visit a Local Credit Union Many credit unions offer affordable loans to people who are working on improving their credit. In fact, People’s Community Federal Credit Union in Clark County WA offers members the same rate regardless of credit score. We keep our terms simple... --- - Published: 2022-08-11 - Modified: 2024-04-29 - URL: https://www.peoplescu.org/personal-loans/can-you-withdraw-money-without-a-debit-card/ If you’re like most people, you’ve suffered the headache of losing your debit card or even worse–getting it stolen. It’s inconvenient and it makes it harder to access cash when you need it most. Fortunately, there are other ways to withdraw money without a debit card with People’s Community Federal Credit Union. CardFree Cash℠ CardFree Cash℠ is a new, innovative way to get cash quickly and safely using your smartphone. You simply open your People’s CardLock app, generate a secure, one-time access code on your device, and enter that unique code along with your PIN at a participating ATM. This card-free method is convenient, secure, and provides you with immediate cash access at thousands of ATMs nationwide. Use Your ID One option to withdraw money without your debit card is to go into your local branch with your driver’s license. Your teller will be able to pull up your account information and provide you with the funds you need. Emergency Cash Service Visa® and a number of other top debit and credit card companies offer a handy feature that allows you to get an emergency cash advance if you lose your card. Simply call us at any time. We’ll deactivate your current card, send you a replacement card, and arrange for cash to be available to you at your nearest branch. These methods of withdrawing cash may not be something you want to use every day, but it’s nice to know that you have options when you need them. Contact... --- - Published: 2022-08-11 - Modified: 2024-10-23 - URL: https://www.peoplescu.org/credit-cards/can-you-set-parental-controls-on-a-credit-card/ A credit card is a good way to teach your teen how to manage their money, learn about interest rates, and build their credit. But credit cards may not be as cut and dried to a teenager as they are for seasoned adults. Thus, parents may need to teach their children about how to build good financial habits. One of the most effective ways to do this is by adding them as an authorized user on your People’s credit card. Explain How Credit Cards Work If you choose to give your teen a credit card, explain exactly how it works, including interest rates and repayment. You may also want to show them your online banking account to show them how much you pay each month, giving them a clearer picture of the process. Set Boundaries on Your Teen’s Spending To make sure your teen uses the credit card responsibly, explain what they’re allowed to use it on and how much they’re allowed to charge each month. Get a Secured Credit Card Secured credit cards are backed by your own money and they’re a great option for those who are over the age of 18 and are looking to establish credit. People’s offers a Secured Visa® Credit Card with a 15. 00% fixed annual percentage rate, no annual fees, and no balance transfer fees. Plus, getting approval is fast and easy! *Full disclosure regarding introductory rate. Set Your Child Up for Financial Success Teaching your teen a few important life skills... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/how-to-dispute-mistakes-on-your-credit-report/ Everyone should monitor their credit report, but it’s especially important if you’re planning to apply for a credit card, buy a home, or buy a car. Your credit report can be the difference on whether you qualify for a loan or not. Common Mistakes on Credit Reports It’s not uncommon for credit reports to contain errors. In fact, around 26% of credit reports contain at least one error, according to the Federal Trade Commission. Some of these errors include: Paid-off accounts marked as delinquentClosed accounts reported as openCredit card payments made to the wrong accountAccounts listed more than onceAccounts that aren’t even yoursErrors in your name and personal information Fortunately, the law allows you to dispute any misinformation on your credit report. Look Over Your Credit Report Once you’ve obtained a copy of your credit report from all three credit bureaus, you’ll want to look over all of the details and make sure they’re correct. Inform the Credit Bureau If you spot an error, take action immediately to have it corrected. Report the mistake to both the lender and the report bureau. Although the major credit reporting bureaus offer tools for making disputes online, it’s best to let them know about the mistake in writing. The FTC offers a sample letter you can use to initiate a dispute. Ensure to list important details about the mistake with proper documentation. Then send it by certified mail with a return receipt. Make sure the credit bureaus don’t think your dispute is frivolous. They can reject you... --- - Published: 2022-08-11 - Modified: 2024-03-18 - URL: https://www.peoplescu.org/credit-cards/what-are-secured-credit-cards/ Secured credit cards are great tools for people who want to build or rebuild their credit. Rather than using your credit score to determine how much you can borrow, secured credit cards are backed by your own money. However, unlike a prepaid debit card, they can still be used to build credit and earn other benefits normally associated with credit cards.  Here are some of the main benefits of secured credit cards: Build credit with lowered risk of debt.  Since secured credit cards are backed by your own money, they allow you to build credit without the risk of getting yourself into major credit card debt. Have flexible spending power.  Secured credit cards can be used exactly like a credit card, which gives you a lot of flexibility in how you choose to spend your money. Often have a higher approval rate.  Because secured credit cards are backed by your money, they carry lower risk. This creates a higher approval rate, even for borrowers with low or damaged credit scores. In fact, at People’s, all members get the same rate regardless of credit score. How Do Secured Credit Cards Work? On the surface, secured credit cards may sound a lot like a prepaid debit card. So how exactly do they work, and what allows them to function as a credit card if they are backed by your money? Secured credit cards work by requiring an initial security deposit, and then granting you a credit limit if approved.  Instead of your... --- - Published: 2022-08-11 - Modified: 2024-03-18 - URL: https://www.peoplescu.org/personal-loans/how-to-build-credit-as-a-college-student/ From qualifying for loans to renting apartments, your credit score can play a large role in how you make key decisions and purchases throughout your life. However, establishing and building credit can be difficult – especially as a college student with limited financial resources.  Following these tips will help you build credit while still in school: Make monthly payments on your student loans.  Even though you are not obligated to make payments toward your student loans while still in school, doing so can help you build credit while reducing your loan balance. Set up a credit card in your own name. You don’t have to wait until graduation before getting your own credit card. If you’re looking to build credit with a lower risk of accruing debt, a secured credit card could also be a great option. Become an authorized credit card user.  Becoming an authorized user on your parent or guardian’s credit card allows you to make purchases through their account. Becoming an authorized user is a great option, especially if you aren’t ready to get a credit card of your own. Establish new accounts in your name.  From phone bills to rent payments, accounts in your name could help build your credit. Even if your parent or guardian helps out with payments, setting up your own accounts can help you establish and grow your credit. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services ×... --- - Published: 2022-08-11 - Modified: 2024-03-18 - URL: https://www.peoplescu.org/personal-loans/how-to-help-your-child-build-credit/ Teaching your children how to responsibly manage their finances is an important step in preparing them for the adult world. While their financial education should begin with the basics of budgeting and saving, they will eventually need help navigating more complex topics – such as how to establish and grow their own credit. Though it can feel overwhelming to help your child establish good credit, it doesn’t have to be complicated or risky. There are a few steps you can take to help your child safely build credit while equipping them with the knowledge and skills that they need in order to maintain a healthy score. Signs Your Child is Ready to Build Credit Credit cards come with a lot of responsibility, which is why it’s important to make sure your child is ready before helping them open any credit-building accounts. That said, there’s no specific age or milestone that determines how prepared they are. Instead, try looking for these key signs that your child is ready to begin building credit: They know and practice the basics of good money management. They demonstrate an initiative to budget, save, and spend wisely. They can clearly and accurately explain how a credit card works. They demonstrate self-control and an ability to avoid impulse spending. They show an interest in establishing and building their own credit. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/can-taxes-affect-your-credit/ A large tax bill can be stressful and overwhelming. But, what if you can’t afford it? With tax season upon us, many people are wondering if an unpaid bill from the IRS can affect their credit. While credit bureaus do not include tax bills or payments in their credit reports, there are still a few circumstances where your tax situation could indirectly affect your credit score and worthiness: Paying taxes with a loan or credit card: If you are unable to pay your taxes, then you may be tempted to use a loan or credit card to pay off the balance. While the original bill from the IRS will not show up on your credit report, the loan or credit card will. To keep this from harming your credit, take out as little as possible and be sure to make your monthly payments on time. Receiving a Notice of Federal Tax Lien: A Notice of Federal Tax Lien represents the government’s claim on a taxpayer’s assets and properties until their taxes are paid. While these used to show up on credit reports, a policy change in April of 2018 made it so they are no longer included in your credit score. However, Federal Tax Liens are still public documents that lenders, landlords, and employers may discover. This can impact your ability to open new lines of credit and may even make it difficult to rent or find a job. Ready to speak about ? Questions about your account or our services? Our Member Services team is... --- - Published: 2022-08-11 - Modified: 2024-04-29 - URL: https://www.peoplescu.org/personal-loans/how-are-credit-unions-and-banks-different/ If you're in Vancouver, WA, and curious about the differences between credit unions and banks, you've come to the right place. We'll break it down for you below so you can make informed financial decisions. Ultimately, credit unions and traditional banks both play pivotal roles in the financial sector, offering a range of financial services to individuals and businesses. However, despite their similarities in providing savings accounts, loans, and other financial products, credit unions and banks are distinct entities with differing structures, purposes, and ways of operation. If you would like to become a member or would like to learn more keep reading or contact one of our local branches. Credit Unions vs Banks The primary difference between credit unions and banks is ownership. Banks are for-profit companies with a primary obligation to their shareholders. They make money by charging interest on loans and collecting account fees. Credit unions, on the other hand, are not-for-profit institutions owned and controlled by their members, which are account holders. Since credit unions operate to serve their members, the money that would have been profit is instead used to help credit union members. An example would be how People’s provides all members with the same loan rates regardless of their credit score or the amount in their accounts. The Pros and Cons of Credit Unions Not sure if a credit union is right for you? Here are a few pros and cons to consider when making your decision. Major Advantages of Choosing a Credit... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/what-is-a-pending-balance/ Your pending balance may not always match the available balance in your bank account, because it takes into account any transactions that may not have fully cleared. A pending balance often occurs when you use your debit card – your bank is aware of the transaction, but the merchant may not submit the charge for payment until the end of the business day, leaving it in a pending status. What Causes Pending Charges? The most common causes of a pending charge in your bank account are: Tips on a restaurant bill: Your bank is aware that your card was charged for the original cost of the meal, but the tip has not yet been processed. Holds on your account for hotel rooms or rental cars: These companies may hold several hundred dollars against your account as a version of collateral in case there is damage to the car or room service charges against the hotel room. If no damage occurs, the money is released. Does a Pending Balance Include All Pending Transactions? The short answer is no. There are several types of transactions that may be pending in your account that do not show in your pending balance until they have successfully cleared. For example, written checks that haven’t yet been deposited by the recipient and automatic payments scheduled to be taken from your account will not be reflected in your pending balance. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by.... --- - Published: 2022-08-11 - Modified: 2025-07-23 - URL: https://www.peoplescu.org/personal-loans/how-to-pay-off-holiday-debt/ Did you overspend during the holiday season? You aren’t alone. Americans planned on spending an average of $997. 79 on gifts, holiday items, and non-gift purchases in 2020, according to a survey by the National Retail Federation. Holiday debt can impact your budget for years, so if you went a little overboard on your holiday spending you’ll want to pay it off once and for all. At People’s Community Federal Credit Union, we want you to start the year financially strong so we’re sharing some smart tactics to help pay off holiday debt. Add Up Your Debts Spend some time adding up all of your credit card balances and other debts, as well as each account’s interest rate. Having a better understanding of where you are with your debt will make it easier to choose a payoff plan. Select a Payment Strategy Now that you know exactly how much you owe, you’ll want to figure out how you’ll pay off your debt. When it comes to payoff strategies, there are two main types. The avalanche method: prioritizing repayment from the highest interest rate to the lowest interest rate. The snowball method: making the minimum payment on each account, then allocating any remaining funds toward the debt with the smallest balance amount. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ /* */ First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) /*... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/personal-loan-or-heloc-for-home-improvement/ Whether you’ve just purchased a fixer-upper or want to update your existing home, home improvement projects can really add up – even small ones. For example, the average kitchen remodel costs around $25,000, according to Home Advisor. Even simply painting walls, installing new backsplashes, and upgrading sinks and faucets can cost between $10,000 to $15,000. Remodeling is costly and not everyone has the funds to pay in full. You certainly don’t want to put these expenses on a credit card, especially if they have high interest rates. This is where personal loans and Home Equity Lines of Credit come in. Home Equity Line of Credit for Home Improvement If you own your home and have a substantial amount of equity, a HELOC is an option. With a HELOC, you may be approved for up to 90% of the value of your home, less any first mortgage balance owed. Once approved, you will have a draw period of 8 years meaning you can continue to use the loan like a line of credit for that term. At 8 years, the draw period closes and becomes a 15 year variable-rate mortgage. This is considered the repayment period. HELOCs will usually have lower rates than personal loans. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_3" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required)... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/the-advantages-of-digital-payment-methods/ Our lives are exponentially digital–and with people being concerned about the health risks associated with handling cash, digital payment methods are becoming more and more common. Digital payment methods allow consumers to make cashless payments through their smartphones but what benefits do they offer? Convenient For starters, digital payment methods provide fast and convenient transactions. You simply hold your phone over a terminal and go. Safe Digital payment methods also allow you to make purchases without touching surfaces or interacting with others, so you can feel safer while social distancing. Secure When using digital wallets, you no longer have to worry about card skimming and fraud. These systems generally use complex encryption or tokenization methods to ensure your data is secure. Apple Pay™, Samsung Pay™, and Google Pay™ are the three big digital wallet contenders on the market today. Ready to speak about ? Questions about your account or our services? Our Member Services team is standing by. Ask Member Services × Member Services How can we help you today? Δ document. getElementById( "ak_js_4" ). setAttribute( "value", ( new Date ). getTime ); First name(Required)Last name(Required)Email(Required) Phone(Required)Message(Required) gform. initializeOnLoaded( function {gformInitSpinner( 1, 'https://www. peoplescu. org/wp-content/plugins/gravityforms/images/spinner. svg', true );jQuery('#gform_ajax_frame_1'). on('load',function{var contents = jQuery(this). contents. find('*'). html;var is_postback = contents. indexOf('GF_AJAX_POSTBACK') >= 0;if(! is_postback){return;}var form_content = jQuery(this). contents. find('#gform_wrapper_1');var is_confirmation = jQuery(this). contents. find('#gform_confirmation_wrapper_1'). length > 0;var is_redirect = contents. indexOf('gformRedirect{') >= 0;var is_form = form_content. length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html'). css('margin-top'), 10) + parseInt(jQuery('body').... --- - Published: 2022-08-11 - Modified: 2022-08-24 - URL: https://www.peoplescu.org/personal-loans/can-you-use-a-personal-loan-to-pay-off-debt/ With debt, it’s easy to feel stuck. If you’re having to juggle multiple deadlines each month or battle against high interest rates, you may feel overwhelmed or exhausted. Thankfully, personal loans are an option to pay off debt! These loans can be used for a variety of personal expenses, and they can save you a lot of time and effort when applied to debt. Why Use a Personal Loan to Pay Down Debt? It may seem counterintuitive to take out a loan for the sake of paying down debt. However, doing so could make the process of paying off your balance much faster and easier.  Some of the benefits of using a personal loan for debt include: Streamlined payment process.  If your debt is spread out across multiple lenders, then you know how challenging it can be to stay on top of everything. A personal loan can help streamline the payment process by making it so you only have one lender to pay and one deadline to keep track of. Lower interest rates.  Some lenders have extremely high interest rates, which can cause your balance to snowball quickly. A personal loan may offer you a lower interest rate and save you a lot of money over time. Fewer monthly payments.  It can be confusing and exhausting to manage multiple due dates and make several payments throughout the month. A personal loan makes it so you only have one due date to focus on. Setting a final payoff date for debt.... --- --- ## Posts ---