Business Details
50+ Years
experience
Emergency
services
Your Trusted Credit Union for Financial Solutions
Founded in 1954, Puget Sound Refinery Federal Credit Union has dedicated over seven decades to providing reliable financial services to its members. Our mission centers on fostering financial well-being through sound lending practices, competitive savings dividends, and personalized service tailored to our community's needs. As a member-owned institution, we prioritize transparency, ethical practices, and long-term relationships built on trust. Our team combines deep industry expertise with a commitment to innovation, offering digital banking solutions while maintaining the personal touch that defines our cooperative structure.We adhere to strict regulatory standards through our NCUA federal insurance, ensuring member funds remain secure up to $250,000. Through name changes and evolving financial landscapes, our core principle of 'people helping people' has remained unchanged, reflecting our enduring commitment to member success.
Services
Savings Accounts
Auto Loans
Home Equity Loans
Online Banking
Personal Loans
Credit Cards
Certificate Accounts
Mobile Banking
Christmas Club Accounts
Share Secured Loans
Details
- Year established: 1954
Highlights and features
- We offer NCUA-insured accounts protecting funds up to $250,000
- Our 70-year history demonstrates proven financial stability
- We provide 24/7 fraud monitoring with instant alert capabilities
- Our free mortgage appraisal promotion reduces homebuying costs
- We maintain a 4.00% APY on 6-month CDs with $25,000 minimum deposits
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Savings Accounts
We offer federally insured savings accounts with competitive dividends, including specialized options like our Youth Super Saver earning 8.25% APY up to $500. Our Christmas Club accounts provide 3.5% interest to help plan seasonal spending, while standard share accounts maintain $50 minimum balances with quarterly dividend postings. All accounts receive NCUA protection up to $250,000.
Auto Loans
Our auto loan program features tiered rates starting at 6.25% APR for qualified borrowers, with terms up to 144 months for luxury vehicles. We offer financing up to 95% of purchase price, including special programs for first-time buyers and subprime credit options with flexible down payment requirements. Loan approvals consider payroll deduction arrangements for payment convenience.
Home Equity Loans
Through partnership networks, we provide home equity lines of credit with variable rates starting at 8% APR. Our HELOCs allow up to 80% loan-to-value ratios for owner-occupied properties, featuring 15-year repayment terms with optional interest-only payments. We offer free mortgage appraisals for new home purchases, with loan amounts exceeding $90,000 requiring board approval.
Online Banking
Our 24/7 digital banking platform enables account management from any device, featuring remote deposit capture, bill payment, and real-time transaction monitoring. The mobile app includes biometric login options and instant fraud alerts via text or email. Members can open new accounts online with document upload capabilities for streamlined verification.
Personal Loans
We provide unsecured personal loans up to $10,000 with fixed rates starting at 13% APR, requiring minimum credit scores of 750 for best terms. Our share-secured loans offer lower rates using savings accounts as collateral, with flexible repayment options including payroll deduction discounts. Loan applications process through our online portal with document upload functionality.
Questions
How do I become a member?
Membership requires current or retired HF Sinclair PSR employment, USW Local 12-591 membership, or family relationship to eligible members. Visit our website to apply with ID verification and initial deposit.
What digital banking features are available?
Our mobile app offers fingerprint login, remote check deposit, real-time fraud alerts, and bill payment. Online banking includes account management, loan applications, and document submission features.
Do you offer mortgage financing?
We provide HELOCs through partner institutions with variable rates starting at 8% APR. New homebuyers receive free appraisals up to $800 value when financing through our network.
What savings options exist for children?
Our Youth Super Saver account offers 8.25% APY up to $500 balance for minors, with automatic transfers to standard youth accounts when exceeding limits. Minimum opening deposit is $5.
How does the new member incentive work?
Refer eligible members who obtain collateralized loans within 30 days to earn $50 rewards. Both referrer and new member receive deposits into their share savings accounts.
What fees should I expect?
Common fees include $10 debit card replacement, $25 late loan payments, $50 HELOC application, and $5 monthly dormant account charges after 18 months of inactivity. Many services have no fees for members.
