Credit union · NCUA insured
Pacific NW Federal Credit Union
A $317.9M credit union headquartered in Portland, OR, with 23,377 members and 3 branches in 2 states. Best rates: CDs 4.00% and savings 0.25% APY.
Pacific NW Federal Credit Union Carrot Score
71
Carrot Score
Higher than 29% of U.S. banks and credit unions
#30 of 56 in Portland, OR-WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Pacific NW Federal Credit Union
Established in 1942 as BPA Federal Credit Union, Pacific NW Federal Credit Union was founded by Bonneville Power Administration employees to provide a member-owned cooperative for mutual lending and savings.
Following multiple credit union mergers between 1999 and 2001, the institution expanded its reach to serve six counties in Oregon and two counties in Washington across the Portland Metro area.
- Headquarters
- 12005 NE Erin Way, Portland, OR 97220
- NCUA charter
- 4878
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to persons who live, work (or regularly conduct business in), volunteer, worship, or attend school in Clackamas, Columbia, Hood River, Multnomah, Washington, or Yamhill Counties in Oregon, or Clark or Skamania Counties in Washington, as well as businesses, organizations, and legal entities located there.
Employers and groups
- Employees of Pacific NW Federal Credit Union are eligible for membership.
Family and household
- Membership is available to immediate family or household members of current members, and spouses of persons who died while within the field of membership.
Branches
3 branches in 2 states
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Oregon
2 branches
Portland area · 1
- Erin Way BranchMain office12005 NE Erin Way, Portland, OR 97220Directions
Hood River area · 1
- Hood River Branch1004 Pacific Ave, Hood River, OR 97031Directions
Washington
1 branch
- Ross Branch1650 NE Ross St, Vancouver, WA 98663Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.84% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.31% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio9.84%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.31%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Pacific NW Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.