Fibre Federal Credit Union

What Fibre Federal Credit Union does

Fibre Federal Credit Union is a member-owned, federally chartered financial cooperative founded in 1937 and headquartered in Longview, Washington, serving individuals and small-to-medium businesses across 11 counties in southwest Washington and along the Oregon coast. It operates 18 financial services centers — including the TLC division that brands the Oregon coastal presence in Astoria, Warrenton, Seaside, Tillamook, Lincoln City, and Newport — and offers deposit products (Choice Checking, Money Market, Personal and Youth Savings, Share Certificates, Traditional and Roth IRAs), consumer and commercial lending (auto, mortgage, home equity, personal, RV/boat, ITIN, business lines of credit, commercial loans), Visa credit cards, and cross-sold insurance and wealth products through partnerships with TruStage, LPL Financial, and Trust & Will. Recognized as the #1 credit union in both Washington (second consecutive year) and Oregon on Forbes' 2026 America's Best-In-State Credit Unions list, the institution positions itself as a community-focused alternative to national banks, supported by $648,000+ raised for Doernbecher Children's Hospital and a Communities First Program that has donated $284,500 since 2018.

Digital delivery is built on a third-party Alkami mobile and online banking platform, layered with Interactive Teller Machines (ITMs) featuring live Virtual Rep service, video appointments launched in April 2026, Zelle P2P payments, Apple Pay/Google Pay digital wallet support, a Timber NLP chatbot for 24/7 support, and co-browsing capabilities. Revenue mechanics follow a standard credit union model: primary net interest income from the consumer and commercial loan book, supplemented by transactional fees (overdraft at $15 consumer/$30 business, wires, safe deposit boxes, account research), deposit dividends, share certificate early-withdrawal penalties, and affiliate commissions on insurance and investment products. Go-to-market is direct-to-consumer and direct-to-SMB across the 11-county field of membership, with no external investor ownership and no public capital markets exposure.

Name

Fibre Federal Credit Union

Legal name

Fibre Federal Credit Union

Website

https://fibrecu.com

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

251–500 employees

Short description

Fibre Federal Credit Union is a member-owned cooperative providing consumer and commercial banking across 11 counties in southwest Washington and Oregon's coast through 18 branches, an Alkami-powered digital platform, ITMs with virtual reps, and community-driven lending and insurance partnerships.

Ownership category

akta.pro rank

Headquarters

HQ city

Longview

HQ country

United States

HQ region

North America

Offices18 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on various loan products including auto loans, mortgage loans, personal loans, home equity loans, RV/boat loans, and commercial loans. The credit union offers competitive rates targeting lower rates than traditional banks.
2. Banking Service Fees: Fees charged for various banking services including overdraft fees ($15 consumer, $30 business), stop payments ($30), wire transfers ($15-$75), safe deposit boxes, account research ($40/hour), and other ancillary services.
3. Share/Dividend Income: Members earn dividends on savings, share certificates, money market accounts, and IRAs. The credit union pays competitive dividend rates on deposits.
4. Share Certificate Penalties: Early withdrawal penalties applied to share certificates and IRA certificates when funds are withdrawn before maturity.
5. Insurance Products: Commission income from TruStage insurance products including auto/home insurance, AD&D coverage, and loan protection products like MemberGuard.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels8 records

Core offering

Fibre Federal Credit Union is a not-for-profit, member-owned financial cooperative that provides consumer and business banking products and services, including deposit accounts (checking, savings, money market, share certificates, IRAs), consumer loans (auto, mortgage, home equity, personal, RV/boat), commercial lending (commercial loans, business lines of credit, business Visa cards), Visa credit cards, and digital banking services (online and mobile banking, ITMs with virtual reps, Zelle, mobile deposit). It also offers protection products, financial education, and community programs across an 18-branch network in southwest Washington and the Oregon coast, including its TLC division.

Product overview

Fibre Federal Credit Union and TLC operates as a full-service financial institution offering a comprehensive suite of banking products across three divisions: consumer banking, business/commercial banking, and TLC (an Oregon-based sub-brand). The core product portfolio includes multiple deposit account types (Choice Checking, Money Market Checking and Savings, Personal Savings, Youth Savings, Share Certificates, Traditional and Roth IRAs, and IRA Certificates), diverse lending products (Auto Loans, Mortgage Loans, Home Equity Loans, Personal Loans, Flash Cash, RV/Boat/Adventure Loans, ITIN Lending, and Drive4Less low-payment auto financing), commercial banking services (Commercial Loans, Business Lines of Credit, Business Visa Credit Cards), credit cards (Visa Classic and Visa Platinum), and protection/insurance products (MemberGuard Protection, TruStage Insurance, GAP, Collateral Protection). Digital banking is delivered through the Alkami-powered Mobile Banking and Online Banking platforms, with additional digital services including Digital Wallet (Apple Pay/Google Pay), Zelle P2P payments, Bill Pay, Mobile Deposit, My Credit Score by SavvyMoney, and comprehensive Digital Support Services featuring an AI chatbot (Timber), live chat, video calls, and co-browsing. Financial wellness offerings include GreenPath counseling, Zogo education, and in-person Financial Education Classes. Community programs encompass Credit Unions for Kids, Communities First Program, Cash Club Cares, and Scholarships. TLC extends the same product range to Oregon communities under a distinct regional brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Choice Checking Personal checking account with no monthly fees, free 24/7 online and mobile banking, free debit card and direct deposit, with potential to earn competitive dividend rates on balances when requirements are met.
• Money Market Checking Checking account that earns high-yield dividends while maintaining full checking account access, combining checking flexibility with money market savings earnings.
• Money Market Savings Savings account earning higher dividends than personal savings with tiered rates on higher balances, with $1,500 minimum opening deposit and monthly dividend compounding.
• Personal Savings Basic share savings account serving as the foundation for credit union membership, with low minimum balance requirements and easy fund access.
• Youth Savings Accounts Savings accounts designed for young members, including options that support financial education and may include donations to local animal shelters through the Cash Club Cares program.
• Share Certificates Term deposit accounts with guaranteed dividend rates, requiring minimum deposits of $500 for regular certificates or $100,000 for jumbo certificates, with terms from 6 to 60 months and dividends compounded monthly.
• IRA Certificates Individual Retirement Account certificates with fixed rates and flexible terms from 6 to 60 months, offering tax-advantaged retirement savings insured up to $250,000.
• Traditional IRA Tax-advantaged retirement savings account allowing tax-deductible contributions up to IRS limits, with tax-deferred growth, no required minimum distributions until age 73, and competitive dividend rates.
• Roth IRA After-tax retirement savings account offering tax-free growth and tax-free withdrawals in retirement, with no required minimum distributions during the account owner's lifetime.
• Auto Loans Vehicle financing for new and used automobiles with competitive rates, flexible loan terms, affordable payments, and quick preapproval, plus access to an Auto Solution car-buying resource.
• Drive4Less Auto Loan Program Low-payment auto loan alternative combining leasing-style lower payments with vehicle ownership, featuring flexible mileage options, no prepayment penalty, and walk-away options at loan maturity.
• Mortgage Loans Home financing products including competitive rates, flexible terms, easy prequalification, and options for home purchase, home equity, and refinancing through dedicated mortgage centers.
• Home Equity Loans Loan products allowing members to access the equity in their homes for various financial needs, with rates and terms competitive with other lending options.
• Personal Loans Unsecured loans for various personal financial needs including debt consolidation, with flexible terms and competitive rates.
• Flash Cash Short-term loan product providing quick access to cash for members needing immediate funds between paychecks.
• RV, Boat, and Adventure Loans Specialized financing for recreational vehicles, boats, and adventure equipment with rates and terms tailored to these larger purchases.
• ITIN Lending Loan products available to members using Individual Taxpayer Identification Numbers (ITIN) rather than Social Security Numbers, expanding access to credit union services.
• Overdraft Line of Credit Account-linked line of credit providing overdraft protection up to $1,000 (dependent on credit score), offering a cheaper alternative to courtesy pay fees.
• Visa Classic Credit Card Credit card with no annual fee and competitive interest rates at 10.5% APR, offering flexible and secure payment options accepted worldwide.
• Visa Platinum Credit Card Premium credit card offering enhanced benefits compared to the Classic option, with no annual fee and competitive rates.
• Business Plus Checking Business checking account with no monthly fee if minimum balance is met (otherwise $15/month), designed for small and mid-sized businesses.
• Business Money Market Checking Business checking account with money market dividend earnings and full business checking functionality.
• Business Money Market Savings Business savings account earning tiered dividends on higher balances for cash management by business members.
• Commercial Loans Business lending products including commercial real estate loans, commercial vehicle and equipment loans, and commercial construction loans for business growth and operations.
• Business Lines of Credit Revolving credit facility for businesses providing flexible access to funds as needed for operations, cash flow management, and growth opportunities.
• Business Visa Credit Cards Credit cards designed for business use with features supporting business spending, tracking, and management of business expenses.
• Card Processing Services Merchant card processing services for business members to accept card payments at point-of-sale and online.
• TruStage Auto and Home Insurance Insurance program offered exclusively for credit union members through TruStage, providing affordable auto and home insurance with discounted rates and 24/7 claims service.
• MemberGuard Loan Protection Loan payment protection that can cancel payments if the borrower becomes involuntarily unemployed, sick, or injured, and can repay the loan up to the policy maximum in case of death.
• Online Banking Comprehensive digital banking platform providing 24/7 account access including balance viewing, transfers, bill pay, e-statements, account management, and secure communication with the credit union.
• Mobile Banking App Mobile banking application powered by Alkami platform, providing real-time account access, balance management, transfers, bill pay, mobile deposit, card management, and alert capabilities for iOS and Android devices.
• Zelle Peer-to-Peer Payments Peer-to-peer payment integration enabling members to send and receive money quickly and securely directly between bank accounts through Online Banking.
• Bill Pay Electronic bill payment service allowing members to pay bills conveniently through Online Banking with no fees.
• Mobile Deposit Remote check deposit feature allowing members to deposit checks by photographing them with their mobile device, eliminating the need to visit a branch.
• Fibre Card Manager Card management platform allowing members to control debit and credit cards, set spending limits, freeze/unfreeze cards, and receive real-time transaction alerts.
• ITM with Virtual Rep Service Interactive Teller Machine with live virtual representative assistance, combining self-service banking with personalized human support at financial services centers.
• Digital Support Services

Quantifiable outcome

• Forbes #1 credit union ranking in Washington and Oregon for 2026
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Doernbecher Children's Hospital / OHSUcoreStrategic or Co-development PartnerCredit Unions for Kids partnership supporting OHSU Doernbecher Children's Hospital. Fibre Federal has raised over $648,000 through various fundraisers including Coins for Kids, Ride & Rock events, and Doernbecher Days. The partnership funds pediatric care, research, and facility improvements including a $5 million contribution to the Rood Family Pavilion.
• GreenPath Financial WellnesscoreStrategic or Co-development PartnerFinancial education and wellness partnership offering free webinars, debt management counseling, credit counseling, student loan guidance, housing resources, and interactive online courses. GreenPath specialists available for personalized assistance.
• Trust & WillminorGTM or Marketing PartnerExclusive partnership offering Credit Union members 20% discount on estate planning services through Trust & Will platform.
• Cowlitz PUDminorStrategic or Co-development PartnerPartnership to offer Home Energy Loans making energy efficiency improvements more attainable and budget-friendly for community members.
• TruStage InsurancecoreGTM or Marketing PartnerExclusive insurance partnership offering TruStage Auto & Home Insurance, Accidental Death & Dismemberment insurance, and loan protection products (MemberGuard) to credit union members at discounted rates.
• Zogo Financial EducationcoreStrategic or Co-development PartnerFinancial education mobile app partnership providing gamified financial literacy lessons. Available free to members and non-members in service areas. Features hundreds of lessons, quizzes, interactive games, and reward points redeemable for gift cards.
• BanzaiminorStrategic or Co-development PartnerGamified learning curriculum for students in grades 3-12. Fibre Federal sponsors schools to provide access to financial education through interactive digital content.
• LPL FinancialcoreStrategic or Co-development PartnerInvestment and retirement planning services partnership offering mutual funds, 401(k) transition assistance, education funding, and wealth management through licensed advisors.

Scale indicators7 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BECU (Boeing Employees Credit Union): Washington-based, member-owned federal credit union serving the Pacific Northwest with a broad consumer and business banking product suite across multiple branches. Highly comparable to Fibre Federal on charter type, product breadth, and regional WA/OR footprint, but with substantially larger scale.
• Advantis Credit Union: Oregon-based community credit union serving Portland-metro and northwest Oregon with consumer and business banking. Directly comparable on charter type, member-owned model, and product breadth, with geographic overlap into Oregon markets served by Fibre Federal's TLC division.
• Columbia Credit Union: Washington-state community credit union headquartered in Vancouver, WA, serving southwest Washington including Clark County — directly adjacent to Fibre Federal's Longview/Kelso core market. Closely comparable in geography, scale, community credit union positioning, and consumer/business product mix.
• WSECU (Washington State Employees Credit Union): Washington-based member-owned credit union offering full consumer and business banking services statewide. Comparable in charter structure, member-owned cooperative model, and comprehensive deposit/lending product suite to Fibre Federal, with broader Washington geographic reach.
• Oregon State Credit Union: Oregon state-chartered community credit union serving members statewide with checking, lending, and business banking. Directly comparable charter type, product catalog, and member-cooperative structure to Fibre Federal, with geographic overlap in Oregon markets.
• IQ Credit Union: Southwest Washington-based community credit union with comparable charter, product mix, and southwest Washington service area. Historically connected to Fibre Federal via the co-founding of Credit Unions for Kids (Roger Michaelis of IQ Credit Union), making it a directly comparable regional peer.
• OnPoint Community Credit Union: Oregon-headquartered community credit union offering full consumer and business banking, mortgages, and digital services across the Portland metro and Oregon. Closely comparable to Fibre Federal on consumer/business product mix, member-owned model, and Pacific Northwest geographic focus, including overlap with the Oregon-coast TLC territory.

Regional players

• TwinStar Credit Union: Pacific Northwest community credit union serving Washington and Oregon members with full banking products. Operates in an overlapping Pacific Northwest geography and offers a comparable consumer/business product suite, though primarily organized around a different membership charter model.
• Maps Credit Union: Oregon-based community credit union serving members across the state with consumer and business banking services. Comparable charter type and product suite to Fibre Federal, with strong Oregon geographic overlap including markets adjacent to the TLC coast territory.
• Unitus Community Credit Union: Oregon-headquartered community credit union offering consumer, mortgage, and business banking with a community-focused member-owned model. Comparable on charter, product breadth, and Pacific Northwest geographic focus, though with stronger Portland-metro concentration than Fibre Federal's coastal/WA-anchored footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fibrecu
• Facebookfacebook.com/FibreCU
• LinkedInlinkedin.com/company/fibre-federal-credit-union
• Instagraminstagram.com/fibrefamily
• TikToktiktok.com/@fibrefamily

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fibre Federal Credit Union