Peoples Community Credit Union Ridgefield WA | Affordable Auto Loans & Mobile Banking

Introduction

At People's Community, we believe in building a strong financial future for our members right here in Ridgefield, WA. Since our establishment in 1952, we have dedicated ourselves to providing exceptional banking services tailored to meet the unique needs of our community. Located at 195 S 65Th Ave Ste 102, Ridgefield, WA 98642, our branch is more than just a financial institution; it's a place where relationships are forged, and dreams are nurtured. With over 10,721 members and total assets exceeding $271,749,375, we take pride in being a cornerstone of financial support in the area. Our commitment extends beyond numbers: we strive to create an impact that resonates throughout Ridgefield and beyond. We offer a variety of services including personal banking, auto loans, mortgages, and business financing ensuring that whether you're looking to buy your first car or expand your business, we've got you covered. Led by our dedicated CEO, Cristi Dahlstrom, and Board President Tim Williams, our team of 39 employees is here to assist you every step of the way. We understand that financial decisions can be overwhelming, which is why we're committed to providing guidance with a personal touch. While members can visit us at our Ridgefield address for all their banking needs, official correspondence should be sent to our mailing address: PO Box 764, Vancouver, WA 98666. We invite you to explore what makes People's Community different. With total deposits amounting to $20,667,853 and robust loan offerings standing at 2,352, your financial well-being is our priority. Whether you're visiting us online at peoplescu.org or calling us at 800-252-6525, we're excited to help you achieve your financial goals. Join us today and experience the difference that community-focused banking can make!

Branch History & Mission

Welcome to People's Community in Ridgefield, WA! Since our establishment in 1952, we have been dedicated to serving our community and fostering financial growth. Located at 195 S 65Th Ave Ste 102, our branch is not just a place for banking; it's a hub for connection and support within the Ridgefield area. Over the years, we have grown significantly, currently boasting a membership of over 10,721 individuals and total assets reaching an impressive $271,749,375. Our journey began with a simple mission: to provide accessible financial services that empower our members to achieve their goals. As we evolved, so did our commitment to enhancing the lives of those we serve. At People's Community, we believe in the power of community. Our mission is clear: to offer personalized financial solutions while making a positive impact on the lives of our members. We provide essential services such as personal banking, auto loans, mortgages, and business banking all designed with your needs in mind. Whether you're looking for competitive rates on loans or guidance in managing your finances, we're here to help. While members can visit us at 195 S 65Th Ave Ste 102, official correspondence should be sent to PO Box 764, Vancouver, WA 98666. We understand the importance of convenience and accessibility; that's why we offer ATM services available for quick cash access and online banking options that allow you to manage your accounts anytime. Our branch operates Monday through Thursday from 9:00 AM to 5:30 PM and on Fridays until 6:00 PM. While we don't currently have drive-thru services or shared service centers, our friendly team is always ready to assist you during operating hours. Community outreach is at the heart of what we do. We partner with local organizations and initiatives to support various causes that uplift our neighborhoods. This strong community focus drives us to give back and invest in the future of Ridgefield. As we look ahead, we invite you to join us on this journey. Experience firsthand the benefits of being part of People's Community where your financial well-being is our top priority. Visit us today or explore more about becoming a member here. Let's work together towards a brighter financial future!

Branch Location & Accessibility

Get in Touch

We invite you to visit us or give us a call at 800-252-6525 if you have any questions or need assistance. At People's Community in Ridgefield, we're dedicated to providing a welcoming environment where your financial needs are met with care and professionalism. Come see how we can help you today!

Nearby Landmarks and Accessibility

Our Ridgefield branch is just a stone's throw away from popular local spots like the beautiful Ridgefield National Wildlife Refuge and the bustling downtown area. This central location makes it easy for you to stop by while running errands or enjoying a day out. We prioritize accessibility for all our members, featuring ADA-compliant facilities and ample parking to ensure your visit is smooth and hassle-free.

Operating Hours and Services

We are here to serve you during convenient hours: Monday through Thursday from 9:00 AM to 5:30 PM and Friday from 9:00 AM to 6:00 PM. At People's Community, we offer a variety of services designed to meet your banking needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. Plus, with ATM availability on-site, accessing your funds has never been easier. While we don't have drive-thru banking at this location, our friendly staff is always ready to assist you inside the branch. Whether you're looking for assistance with online banking or exploring business banking options like merchant services, we're here for you!

Member Eligibility

Becoming a member of People's Community is like joining a family that cares about your financial well-being. If you're looking to be part of our community, the good news is that eligibility is designed to be welcoming and inclusive. You can join us if you live, work, worship, or attend school in the areas we serve. This means that whether you're just starting out or have been around for a while, there's a place for you at People's Community. Plus, as a member, you'll enjoy personalized service and access to competitive rates on loans and savings accounts. To find out more about the specific eligibility criteria, feel free to check our detailed guidelines at http://www.peoplescu.org/become-a-member/. When you're ready to take the next step and open an account, the process is straightforward just visit us at our branch located at 195 S 65Th Ave Ste 102 Ridgefield Wa 98642, or give us a call at (800) 252-6525 for assistance. We're here to help you every step of the way!

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've funded over $10 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $98 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $16,054,342, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services make daily operations smoother. Picture this: you run a busy café and need an easy way to accept payments. Our services streamline transactions so you can focus on serving great coffee rather than worrying about payment processing. Whether you're looking to expand your workforce or invest in new equipment, we're here to provide the resources you need at our branch located at 195 S 65Th Ave Ste 102 Ridgefield, WA 98642. Let's work together to bring your vision to life!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key at People's Community. We provide ATM access so you can withdraw cash or check balances without hassle. Our members appreciate having easy access to their funds whenever they need them. No matter what financial service you're interested in, we strive to make banking straightforward and accessible. Located at 195 S 65th Ave Ste 102 Ridgefield WA 98642, we're here for you Monday through Friday, ready to assist with all your banking needs. For more information or to get started today, give us a call at 800-252-6525 or visit us online at peoplescu.org. Join us at People's Community and discover how our comprehensive services can enhance your financial journey!

Auto Loans & Vehicle Financing

Looking to purchase a new car? Our auto loans provide competitive rates and flexible terms to suit your budget. We make it easy for you to get behind the wheel without the stress of complicated paperwork. Our team is here to assist you every step of the way, from application to approval.

Business Banking Services

If you're a business owner in need of banking solutions, our business banking services can help you thrive. We offer merchant services for smooth transactions and business loans designed to fuel your growth. Think about how easier managing your business finances could be with our support.

Credit Cards with Rewards

For those who love rewards, our credit cards come with enticing benefits that can make everyday purchases more rewarding. You can earn points on every dollar spent, which can be redeemed for travel, gift cards, or cash back making each swipe worth it!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans. We offer various options tailored for first-time buyers and those looking to refinance their existing mortgages. Picture yourself enjoying the comfort of a home that suits your lifestyle while taking advantage of low-interest rates our team will work hard to find the right solution for you.

Personal Banking Solutions

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine being able to easily track your spending while saving for future goals. With our user-friendly online and mobile banking platforms, you can access your accounts anytime, anywhere. Plus, we offer personal loans and debt consolidation options to help simplify your finances when unexpected expenses arise.

Digital & Online Banking

Accessibility and Ease of Use

Whether you're at home or on the go, our digital services provide real-time management of your accounts. You won't have to worry about long lines or limited hours at a branch. Everything you need is just a tap away. With features like electronic signature authorization not currently available, we're constantly looking for ways to enhance your experience. People's Community is dedicated to making banking simple and accessible for all our members. If you're ready to take control of your finances digitally, visit us at peoplescu.org today!

Key Features of Our Digital Banking Services

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, pay bills, and transfer money with just a few clicks. If you're looking to send money quickly, our person-to-person transfer feature makes it easy to send funds to friends or family without any hassle. Plus, you can enjoy the benefits of e-statements, which means you can access your account statements electronically saving time and trees! For those who prefer using their mobile devices, we have a user-friendly mobile application that supports mobile payments. This feature allows you to make purchases directly from your phone, making shopping and managing expenses easier than ever. While security is crucial in today's digital world, rest assured that our systems are designed with your safety in mind. We prioritize protecting your personal information and ensure that every transaction is secure.

Financial Strength

Commitment to Growth

With $35,669,898 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is robust as well; with $456 in used auto loans and a total of $115,539,694 in loans and leases, we support your financial goals across various sectors.

Growing Membership Base

We currently serve 10,721 members through a total of 26,240 share accounts, showing a strong and growing member base that trusts us with their finances. The funds available for lending and investments stand at $0 net shares, highlighting our commitment to responsible management of resources. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, People's Community is your trusted partner. Visit us at 195 S 65Th Ave Ste 102 Ridgefield WA 98642 or call 800-252-6525 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Member-Centric Savings Options

Members' savings are secured through $41,836,124 in share certificates and $52,154,992 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during challenging times. We also take pride in having 38 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to your needs.

Solid Financial Foundation

With a net worth of $38,067,282, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 14.01% 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 $7,287,152 in used vehicle loans and $4,163,257 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, we have competitive financing options tailored for you.

Business Loans

For business owners, our outstanding commercial loans totaling $16,054,342 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or looking to enhance an existing one, our team is here to assist you. At People's Community, we believe that everyone deserves access to financial resources that fit their lifestyle. If you're considering refinancing or want more information about eligibility options for any of our loan products, feel free to reach out to us at 800-252-6525. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore how we can support your journey towards financial success today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,295,069, make buying or refinancing simple. We offer flexible terms and competitive rates that can fit your budget.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans. With a total of $786,125 in unsecured credit card loans available, our offerings are designed to help you manage your finances effectively while enjoying rewards for your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. LendMesh ensures accurate loan comparisons by sourcing data 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 to transparency means users can trust that the offers displayed are both fair and reliable. One of the standout features of LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users receive trustworthy information. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings here. This approach guarantees unbiased results, allowing users to make informed decisions without hidden agendas. With real-time rate comparisons from multiple institutions, LendMesh empowers users to find the most competitive rates available. This feature is particularly beneficial for those looking to save money on loans over time. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool in making smart financial choices. 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.