Iq Credit Union Happy Valley OR | Best Auto Loans & Business Banking

Introduction

Welcome to Iq, your trusted partner in financial success located at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086 in the vibrant community of Happy Valley, OR. Since opening our doors in 1940, we have been dedicated to serving our members with integrity and care, currently supporting a robust membership of 104,002 individuals. At Iq, we believe that everyone deserves access to quality financial services. With total assets reaching an impressive $2,008,548,761, and total deposits amounting to $245,528,308, we are well-equipped to meet your banking needs. Our commitment to our members is evident through our diverse offerings, including personal banking services, auto loans, mortgage solutions, and business banking options. Our leadership team, headed by CEO Eric Petracca and Board President Doug Lehrman, is passionate about creating a welcoming environment where your financial goals can flourish. We are proud of our dedicated staff of 366 employees who are here to assist you every step of the way. While members can visit us at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086, official correspondence should be sent to our mailing address: PO Box 1739, Vancouver, WA 98660. If you have questions or need assistance, don't hesitate to reach out at (360) 695-3441. Join us today on this journey toward achieving your financial aspirations. Explore how we can make a difference in your life by visiting our website at https://www.iqcu.com/ or stop by for a friendly chat. Your future starts here!

Branch History & Mission

Community Commitment

Our commitment extends beyond financial services. We actively engage with local organizations and participate in community events, reinforcing our role as a pillar of support in Happy Valley. From educational workshops to sponsorships of local initiatives, we strive to make a positive impact where it matters most. While members can visit us at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086, official correspondence should be sent to PO Box 1739, Vancouver, WA 98660 if different. You can reach us at (360) 695-3441 during our operating hours: M-F 9:30 AM - 5:30 PM and Saturday 9:30 AM - 2:00 PM.

Join Us

We invite you to become part of the Iq family. Experience the difference that comes with being a member-focused credit union. Together, let's build a brighter financial future for you and your loved ones! Visit us today or learn more about opening an account here.

Our Journey

From humble beginnings, Iq has grown significantly over the years. With total assets now exceeding $2,008,548,761, we have continually adapted to meet the evolving needs of our community. Our mission is simple yet profound: to provide accessible financial services while fostering a sense of belonging and support among our members. As we look back on our history, we're proud of how far we've come. Each milestone from enhancing our loan offerings to adopting new technology has been driven by our commitment to serve you better. We aim not only to provide financial solutions but also to strengthen the bonds within our community through outreach and partnership initiatives.

Our Mission

At Iq, we believe that banking should be more than just transactions; it should empower individuals and families to achieve their dreams. Our mission is rooted in this philosophy, focusing on delivering personal banking services that include checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking options. We're also dedicated to innovation, offering features like online and mobile banking for your convenience. Whether you're withdrawing cash at one of our ATMs or accessing your account online, we ensure that your experience is seamless and secure.

Branch Location & Accessibility

Connect with Us

If you have any questions or need assistance before your visit, feel free to call us at 360-695-3441. Our friendly staff is always ready to help you navigate your financial journey. Remember, while you can stop by our branch at the address mentioned above for all your banking needs, official correspondence should be sent to PO Box 1739, Vancouver, WA 98660. We invite you to come by and discover how we can support your financial goals at the Iq Happy Valley Branch!

Easy Access and Parking

We understand how important convenience is when it comes to banking. Our branch offers ample parking space, ensuring that you can easily find a spot when you visit us. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who may need assistance.

Operating Hours to Fit Your Schedule

At Iq, we know that life can be busy. That's why we offer flexible operating hours to accommodate your schedule. You can visit us Monday through Friday from 9:30 AM to 5:30 PM and even on Saturdays from 9:30 AM to 2:00 PM. Whether you have a quick question or need help with more complex banking services, our team is here for you during these hours.

Services Offered

Our Happy Valley Branch provides a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards there's something for everyone. Additionally, we offer online and mobile banking for added convenience. If you prefer cash transactions, we also have an ATM available right at the branch.

Member Eligibility

At Iq, we believe that becoming a member is more than just opening an account it's about joining a welcoming community that supports your financial journey. If you're looking to become part of our family, the eligibility criteria are designed to be inclusive and straightforward. Generally, anyone who lives, works, or worships in the area can apply to join us. This means that whether you're a long-time resident of Happy Valley or new to the community, we encourage you to consider membership! For those interested in more detailed information about eligibility, feel free to check out our website at . Once you're ready to take that step towards membership, opening an account with us is a breeze. You can easily start the process by visiting this link: https://app.consumer.meridianlink.com/apply.aspx?lenderref=iqcu072215&list=heplccvlbl . Should you have any questions or need assistance along the way, don't hesitate to reach out at (360) 695-3441. We're here to help you every step of the way as you embark on this exciting journey with Iq at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086!

Business Banking & Commercial Services

Financing Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $247 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $370,311,027, we continue to drive economic growth by financing new and expanding businesses. Imagine having the resources to buy new equipment or expand your operations without the stress of financial strain. Our member-focused approach ensures you have access to the funds you need when you need them.

Merchant Services That Make a Difference

In addition to loans, we provide comprehensive merchant services that help streamline your transactions. Whether you're a retail store or a service provider, our solutions make accepting payments easy and efficient. This means more time for you to focus on what truly matters growing your business! Located at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086 in Happy Valley, OR, we're here to partner with you every step of the way. For more information about how our business banking services can benefit you, give us a call at (360) 695-3441. Let's work together to achieve your business goals!

Comprehensive List Of Services

Business Banking Support

For business owners, we understand that every dollar counts. That's why we offer business banking services including merchant services and business loans designed to help your venture grow. Accessing funds for inventory or equipment has never been easier.

Convenient ATM Services

We also provide ATM and cash withdrawal services at convenient locations throughout the area. This means you can access your cash whenever you need it no matter where you are. Our commitment extends beyond just traditional banking; we prioritize digital solutions that make banking simpler for everyone. With features like person-to-person payments and electronic statements, managing your finances has never been more straightforward. If you're interested in learning more about how Iq can help you achieve your financial goals, don't hesitate to reach out! You can call us at (360) 695-3441 or visit our website at Happy Valley Branch. Let us partner with you on this journey towards financial success!

Credit Cards and Rewards

Consider enhancing your purchasing power with our credit cards that come with rewarding benefits. Whether it's cashback on everyday purchases or travel rewards for your next adventure, we've got something for everyone.

Home Financing Solutions

If buying a home is on your radar, you'll be pleased to know that we provide mortgage loans and refinancing options that fit various budgets. Our knowledgeable staff will guide you through the process so you can find a solution that works for you. With our personal loans and debt consolidation services, managing your finances becomes less stressful.

Personal Banking Services

Whether you're looking to open a checking or savings account, our personal banking options are designed with you in mind. Imagine having easy access to your funds through our online and mobile banking platforms. You can manage your accounts, pay bills, and transfer money right from your smartphone or computer. Plus, we offer competitive rates on auto loans and vehicle financing, helping you drive away in the car of your dreams without breaking the bank.

Digital & Online Banking

Enhanced Features

Sending money to friends or family is simple with our person-to-person transfer feature. Whether it's splitting a bill or sending a gift, you can quickly and securely send funds without needing cash or checks. Additionally, if you're someone who enjoys the ease of mobile payments, we've got you covered! With our mobile payments feature, making purchases is as easy as tapping your phone. At Iq, we strive to make banking not just easy but also enjoyable. Our commitment to providing accessible and secure online banking means you can focus more on what matters most in your life while knowing that your finances are well-managed and protected.

Key Services

Explore our user-friendly online banking portal at https://www.iqcu.com/ . Here, you can easily check your balances, transfer funds, and manage your transactions with just a few clicks. If you're always on the go, our mobile application allows you to perform these tasks right from your smartphone, making it easier than ever to keep track of your financial health. We prioritize your safety, which is why we offer electronic signature authorization for secure document signing. You can manage important paperwork without the hassle of printing or mailing documents. Plus, with e-statements available at no extra charge, you'll receive your account statements electronically helping you reduce paper clutter while keeping all your information organized.

Financial Strength

Commitment to Growth

With $190,645,696 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This commitment ensures that you have access to the latest services while also strengthening our community's overall financial landscape. Our lending capacity is equally impressive; with $15,982 in used auto loans and $1,538,287,452 in total loans and leases, we support your financial goals across various sectors. Whether it's purchasing a vehicle or financing other personal projects, we're here to help every step of the way.

Member Trust

Total Share Accounts: 276,485 illustrate the strong member base that trusts us with their finances. Each account represents a commitment from our community members who choose Iq as their partner in achieving financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Iq is your trusted partner. Visit us at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086 or call (360) 695-3441 to learn more about how we can help you achieve your financial goals!

Operational Efficiency

Our operations reflect efficiency with a reported net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We strive to manage costs wisely while maximizing value for you. We are also proud of our team of 344 full-time employees and 22 part-time employees who are always ready to serve you with a knowledgeable and committed approach. Our branches operate efficiently so that we can be there when you need us.

Secure Savings Options

Members' savings are secured through $214,860,609 in share certificates and $201,624,610 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize securing your savings while providing avenues for earning interest through various products tailored to fit your goals. Unlike traditional banks, we focus on our members first. With non-member deposits at $58,157,000, we ensure that our resources are dedicated to benefiting you through better loan rates, lower fees, and exclusive perks designed for your advantage.

Strong Financial Health

With a net worth of $206,016,046, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This robust net worth provides a solid foundation for our operations and assures you that your finances are in safe hands. Our net worth ratio of $1,026 further demonstrates our capital strength, ensuring we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This level of capital support allows us to adapt and grow as needed while prioritizing your financial needs.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $234,635,582 in used vehicle loans and $114,912,380 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used car, we have flexible financing options tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $370,311,027 provide the capital needed to grow and expand your operations. We understand the unique challenges that businesses face and are here to support you every step of the way. In addition to these offerings, we also provide credit lines with a total value of $624,100,734, giving our members additional flexibility for their personal or business needs. At Iq, we're dedicated to ensuring our loan products meet your specific requirements. For more information about eligibility or how to apply for any of these loan products, please feel free to reach out at (360) 695-3441, or visit us at our branch located at 13220 Se 172Nd Ave Ste 166 Happy Valley Or 97086 in Happy Valley, OR. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us partner with you on your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $222,421,028, allowing you to take that important step toward owning your home. We also offer refinancing options to help you manage your existing mortgage more effectively.

Unsecured Credit Cards

Managing daily expenses can be easier with our unsecured credit card loans. With a total of $61,251,984 in loans, we provide flexible terms that help members navigate their finances without added stress.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that users receive fair and transparent offers. By focusing on verified financial institutions, LendMesh guarantees that all loan information is accurate and trustworthy.

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