Business Details
50+ Years
experience
Your Community Partner in Financial Success
CALCOE Federal Credit Union has served Yakima County since 1937, rooted in the cooperative principles of member ownership and financial empowerment. As a not-for-profit institution, we prioritize reinvesting profits to deliver reduced fees, competitive rates, and enhanced services tailored to our members' needs. Our commitment to financial education and community-focused lending ensures members receive personalized solutions, whether through home loans, auto financing, or credit-building programs. With local decision-making and a history of adapting to underserved communities, we maintain a legacy of trust and fiscal responsibility.Our insured accounts provide security, while modern conveniences like online banking and mobile payment tools ensure accessibility. Every service, from GAP protection to debt coverage, reflects our dedication to member financial well-being. With branches in Yakima and Moxee, we combine decades of expertise with a forward-thinking approach to deliver reliable, member-centric banking.
Services
Home Loans
Auto Loans
Credit Cards
Personal Loans
Debt Protection
Details
- Year established: 1937
Highlights and features
- Member-owned cooperative structure prioritizes your financial success over profits.
- Local lending decisions with personalized, fast approval processes.
- Competitive rates on home, auto, and personal loans backed by 80+ years of experience.
- No hidden fees with transparent fee structures and financial education resources.
- Tailored debt protection and insurance options for life's unexpected challenges.
Associations and certifications
- NCUA
Services
Home Loans
CALCOE provides home loans with options like low-down Home Ready mortgages, conventional loans without PMI, and zero-down Rural Development loans. Flexible terms up to 30 years, competitive rates, and benefits such as online applications with fast approval. Our local loan officers guide members through the process, offering resources like calculators and debt protection to ensure affordable, informed decisions.
Auto Loans
We offer new, used, and refinanced auto loans with terms up to six years, working with Yakima County dealers for convenience. Features include GAP insurance, mechanical breakdown protection, and debt coverage to safeguard investments. Competitive rates apply, with personalized service from local staff to meet budget needs.
Credit Cards
CALCOE's low-fixed-rate Visa credit cards provide no annual fees, fraud protection, and online management tools. Secured options help build credit, while the Student Visa caters to younger members. The mobile app enables transaction alerts and instant card controls for added security.
Personal Loans
Choose from personal, share-secured, or checking line-of-credit options tailored to credit profiles. Funds may direct-deposit for flexibility, with approvals based on creditworthiness or savings collateral. Mobile and online banking simplify management of repayments and account access.
Debt Protection
Our debt protection plans cover loan payments during unforeseen events like unemployment, disability, or death. These safeguards ensure financial obligations are met during crises, providing peace of mind and preventing account default through customizable coverage options.
Questions
What types of loans does CALCOE offer?
CALCOE provides home loans, auto loans, personal loans, credit builder loans, and home equity lines of credit with competitive rates and flexible terms.
How can I apply for a loan?
Apply online via our secure portal, visit a Yakima or Moxee branch, or contact a loan officer for in-person or dealer-assisted financing options.
Who is eligible to join CALCOE?
Anyone living, working, worshiping, or studying in Yakima County can join, with no prior membership requirements for loan applications.
Does CALCOE offer credit-building tools?
Yes, we offer secured credit cards, credit builder loans, and financial education resources to help members improve their credit scores.
What protections are available for loans?
GAP insurance, mechanical breakdown protection, and debt coverage options help members manage risks associated with loans.