Iq Credit Union Portland OR | Affordable Auto Loans & Online Banking

Introduction

Welcome to Iq, your trusted financial partner located at 8191 N Lombard St Ste 102, Portland, OR 97203. Established in 1940, our credit union has proudly served over 104,000 members, making us a cornerstone of the community for over eight decades. With assets totaling an impressive $2,008,548,761, we are dedicated to providing robust financial solutions that cater to the diverse needs of our members. At Iq, we believe in empowering our members through personalized banking experiences. Whether you're looking for checking and savings accounts, auto loans, or business financing options, we have tailored services designed to help you achieve your financial goals. Our total deposits stand at $245,528,308, reflecting our members' trust and commitment to building a brighter financial future together. While members can visit us at 8191 N Lombard St Ste 102, official correspondence should be sent to our mailing address: PO Box 1739, Vancouver, WA 98668-1739. Our friendly team of 366 employees, led by CEO Eric Petracca and Board President Doug Lehrman, is here to assist you every step of the way. With a net worth of $206,016,046 and cash in hand amounting to $19,085,389, we ensure that your money is safe and well-managed. We have a strong commitment to responsible lending with a total loan portfolio that includes 65,162 loans and leases. Explore all that we have to offer by visiting our website at www.iqcu.com. If you have any questions or would like to learn more about our services, don't hesitate to reach out at 360-695-3441. Join us today and discover how we can help you thrive financially!

Branch History & Mission

Community Engagement

Beyond banking, Iq actively participates in community outreach efforts. We collaborate with local organizations to support various causes that uplift our neighborhoods and promote financial literacy. By nurturing these partnerships, we aim to contribute positively to the lives of those around us. We invite you to join us at Iq and experience the benefits of being part of a credit union that truly cares about its members and community. Whether you're looking for a reliable place to manage your finances or seeking assistance with loans and investments, we are here for you. For any inquiries or assistance, feel free to reach out at 360-695-3441 during our operating hours: Monday through Friday from 9:30 AM to 5:30 PM and Saturday from 9:30 AM to 2:00 PM. Come visit us today and become part of our family!

Our Mission

The mission of Iq is clear: we strive to provide comprehensive financial services while making a positive impact in our community. We believe that banking should be about more than just transactions; it's about building relationships and fostering growth. Our services include personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. As we look towards the future, we remain committed to enhancing member experience through digital advancements. Our online banking platform allows for easy access to accounts and services right from your mobile device or computer. We also prioritize accessibility with ADA-compliant facilities and initiatives designed to support all members.

Branch Location & Accessibility

Contact Us

Got questions? Feel free to give us a call at (360) 695-3441. We're eager to help you with any inquiries or concerns you may have. We encourage you to visit us at 8191 N Lombard St Ste 102 Portland Or 97203 and experience firsthand how we can support your financial journey. While members can visit us at 8191 N Lombard St Ste 102 Portland Or 97203, official correspondence should be sent to our mailing address: PO Box 1739, Vancouver, WA 98668-1739. We look forward to welcoming you into the Iq family!

Getting Here and Parking

Accessibility is a priority for us. Our branch features ample parking, making it easy for you to stop by anytime during our operating hours. If you require special accommodations, rest assured that we comply with ADA standards to ensure all members can access our services comfortably.

Operating Hours

We're here when you need us! Our lobby hours are Monday through Friday from 9:30 AM to 5:30 PM, and we're also open on Saturdays from 9:30 AM to 2:00 PM. Whether you're managing your accounts or looking for financial advice, we're ready to assist you during these hours.

Services Offered

At Iq, we offer a wide range of services tailored to meet your needs, including personal banking options such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. While we currently do not have ATM services or drive-thru banking available, our friendly staff is always on hand to provide personalized service.

Member Eligibility

Becoming a member of Iq is like joining a close-knit community where you can enjoy personalized financial services tailored just for you. If you're looking to become part of our family, we welcome anyone who lives, works, or worships in the local area, as well as their immediate family members. It's easy and straightforward to join us at Iq, located at 8191 N Lombard St Ste 102 Portland Or 97203. You'll not only gain access to a range of benefits like competitive rates on loans and savings but also the support of a friendly team dedicated to your financial well-being. For more detailed eligibility criteria, feel free to check out our resource at . Ready to take the next step? Opening an account with us is simple! You can start the process by visiting our account opening page at https://app.consumer.meridianlink.com/apply.aspx?lenderref=iqcu072215&list=heplccvlbl . If you have any questions or need assistance, don't hesitate to give us a call at (360) 695-3441. We're here to help you every step of the way!

Business Banking & Commercial Services

Financing 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.

Practical Merchant Services

Imagine running your business smoothly with payment solutions that cater to your needs. Our merchant services simplify transactions, allowing you to focus on what matters most growing your business. With user-friendly tools for accepting payments, you can enhance customer experiences while managing finances effortlessly. Located at 8191 N Lombard St Ste 102 Portland Or 97203 in Portland, OR, we invite you to explore how our business banking options can empower your company. For more information, give us a call at (360) 695-3441 or visit our website at https://www.iqcu.com/ . Let's take the next step together!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Thinking about purchasing a new car? Our Auto Loans & Vehicle Financing options provide competitive rates that make it easier for you to drive away in the vehicle of your choice. We guide you through the financing process, ensuring you get the best deal tailored to your budget.

Business Banking Services

For our business members, we offer comprehensive Business Banking solutions, including merchant services and business loans designed to support your growth and success. Whether you're starting a new venture or expanding an existing one, we're here to help.

Credit Cards with Rewards

Earn rewards while you spend! Our Credit Cards with Rewards allow you to earn points on everyday purchases, giving back as you shop. This means more savings for vacations, gifts, or even cash back on your next statement.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust Online & Mobile Banking options. With features like mobile payments and person-to-person transfers, managing your finances has never been easier or more accessible. While visiting us at Iq, you can also take advantage of ATM & Cash Withdrawal Services for quick access to your funds when needed. If you're ready to explore these services further or have questions about how we can assist you in achieving your financial goals, please don't hesitate to reach out at (360) 695-3441 or visit us online at St Johns Branch. We look forward to being part of your financial journey!

Home Financing

Owning a home is a significant milestone. With our Mortgage Loans & Refinancing, we offer flexible terms and personalized service to help you secure the right loan for your dream home. If you're looking to refinance, our team can assist you in finding ways to lower your monthly payments or tap into your home's equity.

Personal Banking Solutions

We understand that everyone has different banking needs. That's why we offer Personal Banking options, including checking and savings accounts, which can help you manage your daily finances effortlessly. Whether you're saving for a vacation or managing monthly expenses, our accounts come with no hidden fees and easy online access.

Personal Loans and Debt Consolidation

Life can be unpredictable, and sometimes you need extra cash. Our Personal Loans & Debt Consolidation services are designed to give you the financial breathing room you need, whether it's for unexpected expenses or consolidating higher-interest debts into one manageable payment.

Digital & Online Banking

Access Anytime, Anywhere

With our robust online banking platform, accessible at https://www.iqcu.com/ , you can check balances, pay bills, and transfer money 24/7. No more waiting in lines or rushing to the branch before closing time; everything you need is just a click away. Plus, our user-friendly interface makes it easy for everyone to navigate, whether you're tech-savvy or just getting started.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available at Yes, you can access your account statements digitally. This not only helps you stay organized but also contributes to a greener planet by reducing paper waste.

Mobile Banking at Your Fingertips

On the go? No problem! Our mobile application provides all the features you love from online banking right in your pocket. Whether you're making mobile payments or sending money through person-to-person transfers, managing your finances has never been easier. In today's fast-paced world, having real-time access to your accounts is crucial. At Iq, we're committed to providing you with the tools you need for effective financial management whenever and wherever you need them. Join us today and experience banking that fits into your lifestyle!

Security You Can Trust

Your security is our top priority. We use the latest encryption technologies to ensure your personal information is safe. Additionally, with features like electronic signature authorization, signing documents securely has never been easier. You can complete transactions with confidence knowing we've got your back.

Financial Strength

Growing Community Trust

Total Share and Deposit Accounts stand at 276,485, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments) amount to $40,178, underscoring our ability to reinvest in your community while maintaining robust financial practices. 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 8191 N Lombard St Ste 102 Portland Or 97203 or call (360) 695-3441 to learn more about how we can help you achieve your financial goals.

Member-Centric 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. Unlike traditional banks, we prioritize our members. With non-member deposits at $58,157,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our focus on operational efficiency is clear; our $0 reflects this dedication. This efficiency enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 344 full-time employees and 22 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Your Benefit

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. Our commitment to growth is further reflected in our lending capacity: with $15,982 in used auto loans and $1,538,287,452 in total loans and leases, we support members' financial goals across various sectors.

Solid 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. Our net worth ratio of $1,026 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

Additional Options

If you're considering refinancing or exploring eligibility options for any of our loan products, our dedicated team is available to help you navigate these choices effectively. We believe in providing clear information so you can make informed decisions about your financial future. Our performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you're ready to take the next step towards achieving your financial dreams, give us a call at (360) 695-3441 or visit us at 8191 N Lombard St Ste 102 Portland Or 97203 in Portland, OR. We're here to assist you every step of the way!

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. We provide flexible terms that can fit any budget and make your car-buying experience straightforward.

Business Financing

For business owners, our outstanding commercial loans totaling $370,311,027 provide the capital needed to grow and expand your business. Whether you're starting fresh or seeking to enhance your current operations, our financing solutions can support your ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $222,421,028, make buying or refinancing simple. Whether you're a first-time homebuyer or looking to refinance an existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans, with a total of $61,251,984 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards that can benefit your spending habits.

Loan Aggregator

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 commitment ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh provides a trustworthy platform for comparing loans.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in the options presented. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results so users can focus solely on finding the best loan for their needs. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, allowing them to make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This feedback highlights how effectively LendMesh serves its users by streamlining the comparison process. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

IQ CREDIT UNION