Ibew/SJ Cascade Salem OR Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Ibew/sj Cascade, where your financial well-being is our top priority! Located at 1825 12Th St Se Ste 130, Salem, OR 97302, we've been serving our community since 1961. Our commitment to providing personalized banking solutions has helped us grow to a proud membership of 2,688 individuals who trust us with their financial needs. At Ibew/sj Cascade, we understand that every member's journey is unique. That's why we offer a variety of services tailored just for you, including checking and savings accounts, auto loans, personal loans, and even credit cards with rewards. With total assets exceeding $21,988,008 and deposits of $1,497,037, we have the resources to support your financial goals. While members can visit us at our branch location, official correspondence should be sent to 1825 12th St SE Ste 130, Salem, OR 97302-2159. Our friendly team of 4 dedicated employees, led by CEO Lisa Swartwout and Board President Gregory McLeod, is here to assist you during our operating hours: Monday through Friday from 8 AM to 5 PM (and 9 AM to 5 PM on Tuesdays). We pride ourselves not only on strong financial performance such as a net worth of $2,673,593 and cash in hand totaling $246,694 but also on making a positive impact in our community. Whether you're looking for assistance with loans or exploring ways to save for the future, we are here to help. Ready to take the next step? Reach out to us at (503) 581-6221 or visit our website at ibewsjcu.org. Join us today and experience the Ibew/sj Cascade difference!

Branch History & Mission

At Ibew/sj Cascade, located in the heart of Salem, Oregon, our story began in 1961. Since then, we have been dedicated to serving our community with a commitment to financial wellness and support. Our branch at 1825 12th St SE Ste 130 has become a trusted resource for thousands of members, fostering a sense of belonging and security in their financial journeys. Over the years, Ibew/sj Cascade has grown from a small credit union into a vital part of the local landscape. With a current membership of 2,688 and total assets reaching $21,988,008, we have built a strong foundation that reflects our members' trust in us. Our evolution is marked by key milestones that include expanding our range of services from personal banking solutions like checking and savings accounts to auto loans and mortgages ensuring that we meet the diverse needs of our members. Our mission is clear: to provide accessible financial services while empowering our community through education and outreach. We believe that everyone deserves the chance to achieve their financial goals. This is why we offer personalized support and resources designed to help our members make informed decisions about their finances. While you can visit us at our branch address for face-to-face assistance, official correspondence should be sent to our mailing address: 1825 12th St SE Ste 130, Salem, OR 97302-2159. We understand the importance of adapting to modern times, which is why we've embraced online banking solutions that allow for easy access to accounts anytime, anywhere. Though we currently do not offer ATM or drive-thru services, we are committed to providing exceptional customer service during our operating hours: Monday, Wednesday, Thursday, and Friday from 8 AM to 5 PM; Tuesday from 9 AM to 5 PM. Ibew/sj Cascade takes pride in its community involvement. Through partnerships with local organizations and outreach programs, we strive to give back and support those around us. Whether it's offering financial education workshops or participating in community events, we are here for Salem. Join us today at Ibew/sj Cascade! Experience how we can help you achieve your financial dreams while being part of a supportive community. Contact us at (503) 581-6221 or visit our website at ibewsjcu.org for more information on how to become a member and take advantage of all the benefits we offer. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility Features

At Ibew/sj Cascade, we prioritize accessibility for all our members. Our facility is ADA compliant, featuring ramps and designated parking spots to ensure everyone can reach us comfortably. You'll find ample parking available, making it hassle-free to stop by whenever you need assistance.

Connect With Us

If you have any questions or need assistance before your visit, don't hesitate to call us at 503-581-6221. Our dedicated staff is here to provide the support you need. We invite you to come by and experience the friendly service at Ibew/sj Cascade today!

Operating Hours

Our doors are open at convenient times for you! We welcome you Monday through Friday from 8 AM to 5 PM, with extended hours on Tuesdays starting at 9 AM. Whether you're coming in for personal banking or business services, our team is ready to assist you during these hours.

Services Offered

We take pride in offering a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, if you're looking for credit cards with rewards or business banking solutions, we've got you covered!

Member Eligibility

Becoming a member of Ibew/sj Cascade is like joining a family that genuinely cares about your financial well-being. If you live, work, or worship in the area surrounding our branch at 1825 12Th St Se Ste 130 Salem Or 97302, you're likely already eligible! We welcome individuals who are affiliated with the IBEW or its family members as well. This means that if you're part of this community, we're excited to have you on board. Joining us not only opens doors to a variety of financial products and services tailored just for you but also gives you access to a supportive network that prioritizes your needs. Ready to take the next step? Opening an account is easy! You can find all the details about how to start your membership journey by visiting us online at http://ibewsjcu.org/pages/loans2.html . If you have any questions or need assistance, don't hesitate to reach out at (503) 581-6221. For more specifics on eligibility criteria, check out this resource: . We're here to help you every step of the way as you join our wonderful community!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial support to expand your operations, hire new talent, or invest in the latest technology. Our commercial loans make this possible. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we provide essential merchant services that simplify payment processing and enhance customer satisfaction. Whether you need mobile payment solutions or point-of-sale systems, we have tools that fit your business needs. This means more time for you to focus on what matters most growing your business. Located at 1825 12Th St Se Ste 130 Salem Or 97302, Salem, OR, our team is ready to partner with you on your journey to success. Contact us today at (503) 581-6221 to learn more about how we can help your business flourish!

Comprehensive List Of Services

Business Banking Solutions

For our business members, we offer essential banking services like merchant services and business loans. These tools are designed to help you run your business efficiently and effectively. We know that every business is unique, so we work closely with you to find solutions that fit your specific needs.

Cash Withdrawal Services

While we currently do not have ATM access at our branch, we ensure that cash withdrawal services are easily accessible through various local ATMs around town.

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why Ibew/sj Cascade provides robust online and mobile banking features. You can manage your accounts from anywhere at any time, making it easier than ever to keep track of your finances. Our online banking platform allows you to pay bills, transfer funds, and even send money directly to friends or family using our person-to-person payment feature.

Get In Touch

If you're looking for reliable financial services with a personal touch, reach out to us at (503) 581-6221 or visit us in person at 1825 12Th St Se Ste 130 Salem Or 97302. Our friendly team is here to assist you Monday through Friday during our lobby hours 8 AM to 5 PM (9 AM on Tuesdays). Join the Ibew/sj Cascade Fcu family today and take advantage of all the resources we have available for you! For more information about opening an account or applying for a loan, visit us online at http://ibewsjcu.org. We look forward to helping you achieve your financial goals!

Personal Banking Services

When it comes to personal banking, we offer checking and savings accounts designed to fit your lifestyle. Whether you're saving for a dream vacation or managing everyday expenses, our accounts provide the flexibility and convenience you need. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options make the process straightforward and affordable. You can also explore our mortgage loans and refinancing services, which can help you secure the home of your dreams or lower your monthly payments. If life throws unexpected expenses your way, our personal loans and debt consolidation services can provide relief. Plus, with credit cards that offer rewards, you can earn while you spend!

Digital & Online Banking

Key Features

Our online banking service is not only user-friendly but also packed with features that make managing your money a breeze. You can easily set up E-Statements, so you never have to worry about missing a paper statement again. Plus, if you need to send money to friends or family, our Person-to-Person Transfers make it simple and quick. While we currently don't offer mobile payments or a dedicated mobile application, rest assured that our website is optimized for your smartphone or tablet. This means you can manage your accounts on the go without any hassle.

Security You Can Trust

At Ibew/sj Cascade, your security is our top priority. We use robust security measures to protect your personal information and transactions while ensuring that you have full control over your accounts. While we do not provide electronic signature authorization at this time, our existing systems keep your data safe and sound. In summary, whether you're paying bills from the comfort of your home or checking your account while out and about, our online banking services provide flexibility and peace of mind. Explore all the possibilities today by visiting http://ibewsjcu.org !

Financial Strength

Building Trust Together

With $807,127 available for lending and investments and a growing membership base reflected by our total of 4,255 accounts, trust is at the heart of what we do. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ibew/sj Cascade is your trusted partner. Visit us at 1825 12Th St Se Ste 130 Salem Or 97302 or call (503) 581-6221 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

Our commitment to innovation is reflected in our $2,214,686 in undivided earnings, which we reinvest into improving banking tools, stronger lending options, and enhanced security measures. With $190 in used auto loans and $15,149,257 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Savings and Investments

Your savings are well-protected with us. We have $2,704,565 in share certificates and $1,897,527 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,499,373, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is evident with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees dedicated to serving you with knowledge and commitment.

Our Financial Health

With a net worth of $2,673,593, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,215 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $3,491,335 in used vehicle loans and $3,756,201 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we provide flexible terms that fit your budget.

Credit Lines

For those who need extra flexibility, our credit lines are an excellent option. With a total of $1,000,000 available, you can tap into this resource whenever unexpected expenses arise or when you want to make a larger purchase without stretching your budget too thin.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $20,287, ensuring that you have access to the funds you need for your dream home.

Refinancing Options

If you're considering refinancing any existing loans, we can help with that too! Our team can guide you through eligibility options that may lower your monthly payments or reduce interest costs over time. At Ibew/sj Cascade, we're committed to supporting our members every step of the way. For more information about our loan offerings or to start an application, please visit our website at http://ibewsjcu.org or call us today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $734,003 in loans helping members manage their finances effectively. These cards come with competitive rates and benefits designed to make your spending easier and more rewarding.

Loan Aggregator

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IBEW/SJ CASCADE FEDERAL CREDIT UNION