Iq Credit Union Ridgefield WA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Iq, your trusted financial partner located at 2 S 56Th Pl Ste 104, Ridgefield, WA 98642. Since our establishment in 1940, we have been dedicated to serving our community and providing exceptional financial services to our members. With a strong membership base of 104,002 and total assets exceeding $2 billion, we pride ourselves on being a reliable resource for all your banking needs. At Iq, we understand that financial decisions can be daunting. That's why we focus on creating a warm and welcoming environment where you can feel confident discussing your goals. Under the leadership of our CEO, Eric Petracca, and Board President, Doug Lehrman, we strive to foster trust and transparency in every interaction. Our team of 366 employees is here to support you, whether you're seeking auto loans, mortgages, or personal banking solutions. While members can visit us at our branch address, official correspondence should be sent to our mailing address: PO Box 1739, Vancouver, WA 98668. We invite you to explore the various services we offer, from checking and savings accounts to business banking solutions. With total loans amounting to 65,162 and total deposits reaching $245,528,308, we are committed to helping you achieve your financial aspirations. Our net worth stands strong at $206,016,046, showcasing our stability and dedication to member satisfaction. We encourage you to reach out by calling us at 360-695-3441 or visiting our website at www.iqcu.com for more information about how we can assist you today!

Branch History & Mission

A Legacy of Service

The story of Iq is one of progress and dedication. From our humble beginnings, we have evolved into a trusted financial partner for individuals and businesses alike. Our focus has always been on providing accessible financial solutions tailored to the unique needs of our community. As technology advanced, so did we adopting digital banking options like mobile payments and online banking to ensure that our members can manage their finances anytime, anywhere. While you can visit us at our Ridgefield branch for personal banking services like checking and savings accounts, auto loans, mortgage loans, and more, official correspondence should be sent to PO Box 1739, Vancouver, WA 98668 if needed.

Commitment to Accessibility

We are proud to offer an ATM on-site for your convenience; however, please note that drive-thru banking is not available at this location. Our branch operates during welcoming hours Monday through Friday from 9:30 AM to 5:30 PM and Saturday from 9:30 AM to 2:00 PM to ensure you receive the assistance you need when you need it.

Join Us

As we look towards the future, we invite you to become part of our story. Experience the benefits of membership at Iq where you'll find not only financial services but a community that cares about your success. Join us today and let us help you achieve your financial dreams! For more information or to open an account online, please visit our website or call us at (360) 695-3441.

Our Mission

At Iq, our mission is clear: to empower our members financially while fostering strong community connections. We believe that everyone deserves access to quality financial services that support their goals. Our team is committed to building lasting relationships with each member by providing personalized service and expert guidance. Community involvement is at the core of what we do. We actively engage in local events and initiatives aimed at improving the lives of those around us. Whether it's sponsoring local sports teams or supporting educational programs, we strive to make a positive impact.

Branch Location & Accessibility

Connect With Us

While you can visit us at our branch address, please note that any official correspondence should be sent to PO Box 1739 in Vancouver, WA. If you have questions or need assistance before your visit, feel free to call us at 360-695-3441. We invite you to stop by the Iq Ridgefield Branch soon your banking needs are important to us! Come experience how easy and friendly banking can be.

Nearby Landmarks and Accessibility Features

Situated near local favorites like the Ridgefield National Wildlife Refuge and just a short drive from downtown Ridgefield, our location makes it simple to stop by for a visit. Plus, ample parking is available right outside, ensuring a hassle-free experience when you arrive. For those who may need assistance, our branch is ADA compliant and equipped with features such as ramps to ensure everyone can access our services comfortably.

Operating Hours and Services Offered

We're here to serve you during convenient hours: Monday through Friday from 9:30 AM to 5:30 PM, and Saturday from 9:30 AM to 2:00 PM. Our welcoming staff is ready to assist you with a wide range of services including personal banking accounts, auto loans, mortgage options, credit cards with rewards, and business banking solutions. And if you're in need of quick cash or balance checks on the go, don't forget about our ATM availability! While we currently do not offer drive-thru service, our friendly team is always eager to help you inside.

Member Eligibility

At Iq, we believe that everyone deserves the chance to be part of a supportive community where your financial goals can flourish. Becoming a member is simple and welcoming. If you live, work, worship, or attend school in the Ridgefield area, you're already eligible to join us! Plus, family members of current members are also welcome. This means you can share the benefits of our personalized services and competitive rates with your loved ones. For more detailed eligibility criteria, feel free to check out our website at . Once you're ready to take the next step towards membership, opening an account is straightforward! You can start the process by visiting us online at https://app.consumer.meridianlink.com/apply.aspx?lenderref=iqcu072215&list=heplccvlbl or give us a call at (360) 695-3441 for any questions you might have. We're here to help you every step of the way as you join our vibrant community at Iq, located at 2 S 56Th Pl Ste 104 Ridgefield Wa 98642.

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

Imagine being able to process payments seamlessly while managing your cash flow effectively. Our merchant services provide easy payment solutions that keep your business moving forward. From credit card processing to mobile payments, we offer the tools you need to enhance customer experiences and streamline transactions. If you're ready to take your business to the next level, visit us at 2 S 56Th Pl Ste 104 Ridgefield Wa 98642 or call us at (360) 695-3441. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

ATM Services

Our commitment extends beyond just traditional banking hours. We provide ATM services for cash withdrawals and balance checks, ensuring that you have access to your funds when you need them most. We invite you to explore all that Iq has to offer. Whether it's through personalized service at our branch or the ease of digital banking from anywhere, we're dedicated to helping you achieve your financial goals. For any questions or assistance, please don't hesitate to reach out at (360) 695-3441. Experience the difference with us visit us at 2 S 56Th Pl Ste 104 Ridgefield Wa 98642 or check us out online at Ridgefield Branch. Your financial journey starts here!

Business Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are designed to support your growth and success. Whether you're just starting out or looking to expand, we're here to help navigate the financial landscape.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why at Iq, we offer robust online and mobile banking features. With easy access to your accounts through our website or mobile app, managing your finances has never been simpler. You can check balances, make transfers, pay bills, and even utilize person-to-person payment options all from the comfort of your home or on-the-go.

Home Financing

For those looking to buy their first home or refinance an existing mortgage, we provide flexible mortgage loans and refinancing options. Our team is here to guide you through the process, ensuring that you feel confident in making one of the biggest financial decisions of your life.

Loans and Credit Options

We understand that sometimes, life requires a little extra support. That's why we offer personal loans and debt consolidation services, helping you manage expenses more effectively. Additionally, our credit cards with rewards give you the chance to earn points on everyday purchases, providing added value every time you swipe.

Personal Banking

Whether you're looking to manage your day-to-day finances or save for future goals, our personal banking services have you covered. We offer checking and savings accounts tailored to fit your lifestyle, making it easy for you to keep track of your money and grow your savings. If you're considering purchasing a new car or need funds for an unexpected expense, our auto loans and vehicle financing options are designed with competitive rates to help you get behind the wheel without breaking the bank.

Digital & Online Banking

Real-Time Account Management

Keeping track of your finances is crucial, and with our online banking services, you can do just that in real time. You'll have immediate access to all your transactions and account information, allowing you to stay informed about your spending habits and savings goals. At Iq, we are committed to providing accessible and user-friendly banking solutions that fit seamlessly into your lifestyle. Explore all these features today at https://www.iqcu.com/ and take control of your financial future!

User-Friendly Features

We take pride in offering features that not only enhance your banking experience but also prioritize your security. With electronic signature authorization available, you can complete transactions securely without the hassle of printing or mailing documents. This feature is perfect for those who value speed and efficiency. Managing your money on the go has never been simpler thanks to our mobile application. Whether you want to make person-to-person transfers or set up mobile payments, our app puts all these options right at your fingertips. Just imagine being able to split a dinner bill with friends instantly or pay for groceries without fumbling for cash it's all possible with our mobile tools.

Financial Strength

Commitment to Growth and Innovation

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 lending capacity supports members' financial goals across various sectors with $15,982 in used auto loans and $1,538,287,452 in total loans and leases.

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 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.

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. 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.

Strong Financial Health

With a net worth of $206,016,046, we maintain robust 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.

Trustworthy Partnership

Net Shares (Funds available for lending and investments): $40,178. Total Share Accounts: 276,485, showing a strong and growing member base that trusts us with their finances. 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 2 S 56Th Pl Ste 104 Ridgefield Wa 98642 or call (360) 695-3441 to learn more about how we can help you achieve your financial goals.

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. We aim to make the car buying experience straightforward and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $370,311,027 provide the capital needed to grow and expand. We understand the intricacies of running a business and are here to support your financial journey. At Iq, we believe that financing should be accessible and straightforward. If you're considering refinancing options or want to learn about eligibility requirements, feel free to contact us at (360) 695-3441 or visit us at our branch located at 2 S 56Th Pl Ste 104 Ridgefield Wa 98642 in Ridgefield, WA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're committed to helping you succeed financially!

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 rewards and benefits tailored to fit your lifestyle.

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. We provide personalized guidance throughout the process, ensuring you find a plan that works for you.

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 ensures that users receive fair and transparent offers. Each loan comparison reflects current rates and terms from legitimate lenders, eliminating confusion and uncertainty.

The Benefits of Using LendMesh

- Verified Data: All loan offers come from trusted financial institutions. This commitment to verified information guarantees transparency in every comparison. - No Sponsored Listings: Unlike many other platforms, LendMesh does not prioritize lenders based on paid promotions. Users can trust that the results are unbiased and reflect genuine options. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates collected from various institutions. This feature helps individuals make informed decisions tailored to their financial needs. 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!" Such testimonials highlight the effectiveness of LendMesh as a reliable resource. Ready to find the best loan rates? Compare real-time loan offers today at LendMesh and discover the options that suit 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.*

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