Business Details
Your Community Credit Union in Portland, OR
Point West Credit Union has served the Portland metro area for over nine decades as a not-for-profit, member-owned financial institution. Our mission centers on financial inclusion and empowerment, prioritizing underserved communities including immigrants, people of color, and small businesses. With bilingual staff and tailored services like our Boost Loan program, we provide fair-rate financial solutions designed to replace predatory lending models. Our history traces back to Hacienda CDC Credit Union, evolving into a cooperative where 40% of members represent communities of color. We maintain physical branches and digital platforms to deliver personalized banking experiences, emphasizing security and community reinvestment.Through member testimonials and impact stories, we demonstrate our commitment to equitable financial access. Our loan products feature competitive rates for vehicle purchases, home equity, and debt consolidation, reflecting our cooperative structure. As a locally-rooted institution, we prioritize understanding regional economic needs while maintaining national compliance standards. Our governance model ensures member voices shape organizational decisions, reinforcing our 'banking without borders' philosophy. This long-standing dedication to community-centric finance continues to define our operations and strategic direction.
Services
Personal Services
Business Services
Boost Loans
HELOC
Consolidation Loans
Financial Education
Community Programs
Highlights and features
- We've served Portland's underserved communities for over 90 years
- Our Boost Loan program offers fair alternatives to payday loans
- Bilingual staff supports diverse financial needs
- Member-owned cooperative ensures community reinvestment
- 40% of our membership represents communities of color
What people say
Love the people here
Incredible customer service
Bilingual staff ready
Financial peace of mind
Community reinvestment focus
Services
Boost Loans
Our Boost Loan program provides short-term financial solutions with fair rates and flexible terms. Designed as an alternative to predatory payday loans, this service helps members access emergency funds while avoiding excessive fees. The program reflects our commitment to financial inclusion and responsible lending practices.
Personal Services
We offer comprehensive personal banking solutions including checking accounts, savings plans, and credit products. Our services cater to diverse financial needs with bilingual support and community-focused features. Members benefit from personalized financial guidance and locally-tailored product offerings.
Business Services
Our business banking division supports local entrepreneurs with specialized financial tools. Services include business checking accounts, commercial loans, and merchant services tailored for small enterprises. We prioritize understanding unique business needs while providing competitive rates and personalized support.
HELOC
We offer fixed-rate home equity lines of credit to help members leverage property value for financial needs. These loans feature predictable repayment terms and competitive rates. Our advisors help members understand responsible borrowing strategies for home improvement or debt consolidation.
Consolidation Loans
Our debt consolidation program combines multiple obligations into single monthly payments with fair interest rates. This service helps members simplify finances while improving credit health. We provide counseling to ensure sustainable debt management practices.
Questions
What makes Point West different from traditional banks?
We're a member-owned credit union prioritizing community needs over profits, with specialized services for underserved populations.
How do I qualify for a Boost Loan?
Boost Loans require active membership and basic creditworthiness assessment, offering fair terms for emergency funds.
Do you offer bilingual banking services?
Yes, our staff includes Spanish-speaking professionals to support diverse financial needs.
What community programs do you support?
We focus on financial education initiatives and small business development in immigrant and minority communities.
How are rates determined for loan products?
Rates reflect our cooperative structure and are regularly updated to maintain competitive, fair pricing.
Can non-members access services?
Membership is required for full services, but we offer easy enrollment with low initial deposit requirements.
