Peninsula Community Credit Union Poulsbo WA | Best Auto Loans & Checking

Introduction

Welcome to Peninsula Community, your trusted financial partner located at 21505 Market Pl Nw Ste 109, Poulsbo, WA 98370. Established in 1935, we have been dedicated to serving our community for nearly nine decades. With a membership base of 21,197 and total assets reaching an impressive $298,154,618, we pride ourselves on being a reliable resource for personal and business banking needs. At Peninsula Community, we believe in empowering our members with the financial tools they need to succeed. Whether you're looking for competitive auto loans, mortgage options, or a convenient checking account, our experienced team is here to guide you every step of the way. We currently hold over $25,801,788 in deposits and have successfully issued 13,804 loans and leases to help our members reach their goals. Our leadership team is committed to fostering a welcoming environment where every member feels valued. Under the guidance of CEO James Morrell and Board President John Bolender, we strive to enhance your banking experience through personalized services and community involvement. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 21505 Market Place, Poulsbo, WA 98370. We invite you to explore the many services we offer at Peninsula Community and see how we can help you achieve your financial aspirations. Feel free to give us a call at 360-697-3011 or drop by during our lobby hours from 10:00 AM to 5:00 PM. Join us today and become part of a community that puts you first!

Branch History & Mission

Modern Banking with a Personal Touch

While we've embraced modern advancements like online banking and mobile payments for convenience, our focus remains firmly on customer service. At Peninsula Community, we prioritize creating an environment where members feel valued and heard. With features such as ATM availability and shared service centers, we ensure your banking experience is as smooth as possible. Though we don't offer drive-thru services at this location, you can still reach us easily during lobby hours from 10:00 a.m. to 5:00 p.m. If you need assistance or have inquiries about your accounts or services offered, please don't hesitate to call us at 360-697-3011. We invite you to join the Peninsula Community family today! Experience firsthand how we can help support your financial goals while being an active participant in making our community stronger. Visit us online at Peninsula Community or come see us in person at our Poulsbo branch!

Our Mission

The mission of Peninsula Community is clear: we strive to enhance the financial well-being of our members while fostering a sense of belonging within our communities. We believe that everyone deserves access to quality financial products and education. Whether you're looking for checking and savings accounts, auto loans, mortgage options, or personal loans, we aim to provide services that are not only comprehensive but also enriching. We understand that banking goes beyond transactions; it's about building lasting relationships. That's why we actively engage with local organizations and initiatives, ensuring that we contribute positively to our surroundings. Our commitment is reflected in our partnerships with community groups and events that promote economic development and support those in need.

Branch Location & Accessibility

Welcome to the Peninsula Community Credit Union, located conveniently at 21505 Market Pl NW Ste 109 in beautiful Poulsbo, WA. Our branch is nestled in a vibrant area, just a stone's throw from the local shops and dining spots that make this city so charming. Whether you're stopping by after picking up groceries or enjoying a stroll along the waterfront, we're here to serve you. At our Poulsbo branch, we prioritize your convenience and accessibility. Our location is designed to be welcoming for everyone, with ADA-compliant features and easy parking options available nearby. While members can visit us at this address, please send any official correspondence to our mailing address: 21505 Market Place, Poulsbo, WA 98370. We understand that banking hours are important for your busy schedule. That's why we invite you to visit us on Mondays from 10:00 a.m. to 5:00 p.m. Our friendly staff is ready to assist you with a range of services including personal banking, auto loans, mortgage refinancing, and even business banking solutions. Plus, for those quick transactions, we offer ATM services right at our branch for your convenience. While we currently do not have drive-thru banking available, our shared service center allows you to access basic transactions if you're a member of partner credit unions. Feel free to reach out by calling us at 360-697-3011 with any questions or for more information about how we can meet your financial needs. Come visit us at the Peninsula Community Credit Union your trusted partner in financial success!

Member Eligibility

Becoming a member of Peninsula Community feels like joining a family that genuinely cares about your financial well-being. If you live, work, or worship in our community, you're likely eligible to join us! We welcome individuals from various backgrounds and professions, making it easy for you to access the financial tools and services you need. At Peninsula Community, we pride ourselves on providing personalized service and competitive rates that can help you achieve your financial goals. To dive deeper into the eligibility criteria, feel free to check out our detailed information at . Once you're ready to take the next step, opening an account is a breeze! Simply visit us online at https://online.pcfcu.org/auth/enrollment , or give us a call at (360) 697-3011 if you have any questions. Our friendly team is here to guide you through the process and ensure your experience is smooth and enjoyable. Join us today at our location in 21505 Market Pl Nw Ste 109 Poulsbo Wa 98370 and become part of a community that values you!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Imagine having the capital to purchase new equipment, expand your workforce, or invest in marketing. Our commercial loans empower you to take those steps confidently.

Merchant Services

In today's fast-paced market, efficient payment processing can make a significant difference. Our merchant services ensure that you can accept payments seamlessly, whether online or in-person. This not only enhances customer satisfaction but also streamlines your operations, allowing you to focus on what matters most growing your business. For more details about our offerings at Peninsula Community, visit us at 21505 Market Pl Nw Ste 109 Poulsbo Wa 98370 or call us at (360) 697-3011. Let us help you unlock your business's full potential!

Comprehensive List Of Services

ATM and Cash Withdrawal Services

Need quick access to cash? We provide comprehensive ATM & Cash Withdrawal Services so you can get your money when you need it most. Plus, we offer Basic Shared Branch Transactions for deposits and withdrawals if you're a member of partner credit unions.

Accessibility

At our branch located at 21505 Market Pl Nw Ste 109 Poulsbo Wa 98370, we aim to ensure all members have access to financial resources. If you ever have questions or need assistance, don't hesitate to reach out at (360) 697-3011 during our lobby hours from 10:00 a.m. - 5:00 p.m. At Peninsula Community, we are committed to supporting your financial journey with services designed around your needs. Explore how we can help you achieve your goals today! For more information about our offerings or to start an account online, visit us at https://www.pcfcu.org/ .

Business Banking Services

For entrepreneurs and business owners, our Business Banking services include Merchant Services and Business Loans tailored to help your company thrive. We understand that every business is unique; that's why we work closely with you to find solutions that fit your specific needs.

Convenient Online and Mobile Banking

In today's fast-paced world, convenience is key. With our Online & Mobile Banking features, you can manage your accounts from anywhere at any time. Check balances, transfer funds, and pay bills right from your smartphone or computer it's banking made easy!

Credit Cards and Rewards

We believe in rewarding our members for their loyalty. That's why we offer Credit Cards with Rewards, allowing you to earn points on every purchase that can be redeemed for travel, merchandise, or cash back.

Personal Banking Solutions

We understand that managing finances can be overwhelming at times. That's why we offer Personal Banking options like Checking and Savings Accounts that help you keep your money safe while earning interest. If you're planning to purchase a new vehicle, our Auto Loans & Vehicle Financing make it easier for you to hit the road with affordable rates and flexible terms. Thinking about buying a home? Our Mortgage Loans & Refinancing services are designed to guide you through the process smoothly. If life throws unexpected expenses your way, our Personal Loans & Debt Consolidation options can help lighten the load by combining multiple debts into one manageable payment.

Digital & Online Banking

Key Services Available

With our user-friendly online banking portal at https://www.pcfcu.org/ , you can easily check your account balances, transfer funds, and pay bills without the hassle of visiting a branch. We offer features like electronic signature authorization, making it quick and easy for you to sign documents online no need to print or scan anything! Plus, our e-statements service ensures that you have access to your financial statements whenever you need them, all while helping you reduce paper clutter. For those who prefer banking on their mobile devices, we provide a robust mobile application that allows you to manage your accounts right from your smartphone. You can make mobile payments effortlessly and even send money to friends and family through person-to-person transfers. It's all about giving you flexibility and convenience in managing your finances.

Security and Accessibility

Your security is our top priority. Our online banking services are equipped with advanced security features to protect your personal information. With 24/7 online banking access, you can enjoy peace of mind knowing that you can monitor your accounts anytime. At Peninsula Community, we strive to make banking as easy as possible for our members. Whether you're using a desktop computer or a mobile device, you'll find that navigating our services is straightforward and intuitive. Join us today to experience the freedom of digital banking!

Financial Strength

A Growing Membership Base

We proudly serve a growing member base with 37,343 total share accounts, showcasing the trust our community places in us. Our net shares available for lending stand at $0, which illustrates our commitment to investing directly back into member services. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Peninsula Community is your trusted partner. Visit us at 21505 Market Pl Nw Ste 109 Poulsbo Wa 98370 or call 360-697-3011 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $56,971,454 in share certificates and $26,381,553 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. This commitment allows us to focus our resources on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our net income of $541,143 reflects our operational efficiency. This success enables us to continue offering competitive loan rates and solid financial products tailored to your needs. Our dedicated team consists of 68 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with knowledgeable support.

Reinvesting in You

With $26,132,684 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. We support your financial goals with a robust lending capacity that includes $58,010,053 in used auto loans and $197,953,243 in total loans and leases.

Solid Financial Health

With a net worth of $31,960,849, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.78% 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 Loan Products

In addition to auto and mortgage loans, we have personal loan options available for those looking to consolidate debt or cover unexpected expenses. Plus, our credit lines total $45,832,237, giving you access to funds when you need them most. If you're considering refinancing any existing loans or would like to explore eligibility options for our products, please reach out to us at 360-697-3011. Our team is ready to assist you in finding the best financial solutions tailored just for you. 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 invite you to visit us at our branch located at 21505 Market Pl Nw Ste 109 Poulsbo Wa 98370 or check out our website at www.pcfcu.org for more details about our offerings and how we can support your financial journey.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $79,016,053 in used vehicle loans and $24,378,572 in new vehicle loans already helping members get on the road. Whether you're interested in a brand-new model or a reliable used vehicle, our financing options can make your next car purchase easier and more affordable.

Credit Card Options

We also offer flexible terms on unsecured credit card loans, with a total of $5,651,332 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards that can suit various lifestyles and spending habits.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,809,611, make buying or refinancing simple. We provide personalized assistance to help you navigate the home-buying process smoothly.

Loan Aggregator

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PENINSULA COMMUNITY FEDERAL CREDIT UNION - Poulsbo, WA