Pacific Cascade Federal Credit Union

What Pacific Cascade Federal Credit Union does

Pacific Cascade Federal Credit Union is a federally chartered, member-owned cooperative credit union headquartered in Eugene, Oregon, serving individuals, families, and small businesses across six Oregon counties: Lane, Douglas, Linn, Benton, Coos, and Lincoln. Founded in 1961 as Eugene Municipal Federal Credit Union and renamed in 1996 following multiple mergers, it operates four branch locations (two in Eugene, one in Springfield, and a new Roseburg branch opened September 2024). Member deposits are federally insured by the NCUA up to $250,000 per depositor.

The credit union offers a full suite of personal and business banking products: multiple checking account tiers (eChecking, Regular Checking, Interest Checking), savings vehicles (Young Saver, Daily Access, Money Maker, Member Choice, Club), certificates and IRAs, and a comprehensive loan portfolio spanning auto/RV/boat/motorcycle financing, personal unsecured and seasonal loans, share/certificate-secured loans, student loans via Sallie Mae, and a full home lending menu (conventional mortgages, second homes, investment properties, first and second lien home equity loans, HELOCs, home improvement lines, and HECM reverse mortgages). Business banking includes checking, savings, money market, certificates, Visa credit cards via Elan Financial Services, and merchant payment processing through Elavon.

Technology is built on third-party infrastructure rather than proprietary systems: the Fiserv mobile and online banking platform, CO-OP shared branching and ATM network (surcharge-free access to roughly 30,000 ATMs), Zelle person-to-person payments, Apple Pay / Samsung Pay / Google Pay wallet support, and a MessagePay loan-payment service. Revenue is generated primarily through net interest income on loans, with ancillary fee income from waivable checking account fees, a $40 skip-a-payment fee, and referral compensation from credit card (Elan), student loan (Sallie Mae), and insurance (TruStage) partnerships. Distribution combines physical branches with self-serve digital channels, phone banking, live chat, and community-based marketing through local nonprofit partnerships.

Name

Pacific Cascade Federal Credit Union

Legal name

Pacific Cascade Federal Credit Union

Website

https://wesaveyou.com

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific Cascade Federal Credit Union is a federally chartered, member-owned cooperative credit union headquartered in Eugene, Oregon, serving individuals, families, and small businesses across six Oregon counties through four branches and digital banking on the Fiserv platform.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (522130), Credit Unions (52213)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Consumer lending
• Mortgage lending
• Credit union services
• Small business banking

Headquarters

HQ city

Eugene

HQ country

United States

HQ region

North America

Offices4 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. Loan Interest Income: The credit union generates revenue primarily through interest earned on loans including auto loans, home mortgages, HELOCs, personal loans, and business loans. As a credit union, profits are shared with members through lower loan rates and better savings rates.
2. Membership Share Account: Members are required to maintain a $5 savings account as their share in the credit union, which must be kept at this level to maintain membership.
3. Checking Account Fees: Monthly service fees apply to certain checking accounts if minimum balance requirements are not met: eChecking has $9 monthly fee with waiver conditions, Regular Checking has $6 monthly fee with $300 minimum balance, Interest Checking has $11 monthly fee with $1,000 minimum balance.
4. Skip-a-Payment Fee: A $40 fee is charged when members elect to skip a loan payment, which is added to the loan balance.
5. NCUA Insurance: Deposits are federally insured by the National Credit Union Administration (NCUA) up to $250,000, providing safety that attracts and retains members.
6. Credit Card Services: Credit card products are issued through Elan Financial Services, with the credit union earning referral compensation for new card accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Pacific Cascade Federal Credit Union is a member-owned cooperative financial institution that provides deposit, lending, and payment products to individuals and small businesses across six Oregon counties. Its product portfolio spans checking and savings accounts, certificates, IRAs, consumer and mortgage loans, Visa credit cards, and small business banking services including merchant payment processing. Distribution combines four branch offices with a Fiserv-powered mobile app, online banking, Zelle P2P payments, mobile wallet support, and access to nearly 30,000 surcharge-free CO-OP ATMs.

Product overview

Pacific Cascade Federal Credit Union is a member-owned cooperative financial institution offering a comprehensive suite of banking products and services. The core offerings span personal and business banking segments including multiple checking account types (eChecking, Regular Checking, Interest Checking), savings accounts (Young Saver, Daily Access, Money Maker, Member Choice, Club Accounts), certificates and IRAs. Loan products include auto/RV/boat/motorcycle loans, personal unsecured loans, seasonal holiday and summer loans, student loans through Sallie Mae, share/certificate secured loans, and a full range of home lending products including conventional mortgages, second home and investment property loans, fixed home equity loans (first and second lien), HELOCs (variable and fixed rate options), home improvement plans, and reverse mortgages. Business services encompass business checking, savings, money market accounts, certificates, credit cards, and merchant services through Elavon. Additional services include online and mobile banking (powered by Fiserv), Skip-a-Payment, Financial Fitness Programs through Balance, Product Education Center, Scholarship Awards, Financial Calculators, and insurance products (GAP, MRC, Credit Life/Disability). Mobile payment integrations include Apple Pay, Google Pay, Samsung Pay, and Zelle for person-to-person transfers.

Differentiator

Problem solved

Functional benefit

Products and services

• eChecking Account

Quantifiable outcome

• Auto loan rates as low as 2.65% APR - below industry averages
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ElavoncoreTechnology or IntegrationPacific Cascade Federal Credit Union has partnered with Elavon, a leading global payments provider, to offer payment processing solutions to business members. Elavon provides the technology infrastructure for merchant services including payment acceptance online, in-store, curbside, and in-app. Elavon offers EMV terminals, mobile wallet acceptance, and 24/7 customer support. For more than 25 years, Elavon has helped businesses of every size provide fast, secure payments.
• Balance (Financial Wellness)coreStrategic or Co-development PartnerPacific Cascade has partnered with Balance, an industry-leading financial wellness organization, to provide free access to expertly-crafted financial education and resources. Balance provides confidential, no-cost financial counseling services including debt and budget counseling, credit report review, student loan coaching, homeowner coaching, and bankruptcy coaching. The partnership includes live interactive webinars and access to Balance's comprehensive library of financial education materials.
• Sallie MaecoreGTM or Marketing PartnerPacific Cascade Federal Credit Union partners with Sallie Mae to offer student loans for members attending degree-granting institutions. The partnership covers undergraduate, graduate, MBA, medical school, dental school, health professions, and law school loans. Sallie Mae Bank or lender partners provide the loans while Pacific Cascade earns referral compensation. Products feature competitive variable and fixed rates, no origination fees, and multiple repayment options.
• TruStage InsuranceminorGTM or Marketing PartnerPacific Cascade Federal Credit Union has partnered with TruStage Insurance to offer members access to insurance products including life, health, car, home, and accidental death and dismemberment coverage. TruStage is backed by a history of working with credit unions and their members, providing coverage options that fit member needs and budgets.
• CO-OP Credit Union ATM NetworkcoreTechnology or IntegrationPacific Cascade Federal Credit Union provides members with unlimited access to surcharge-free CO-OP ATMs located throughout the country. The CO-OP network includes nearly 30,000 ATMs, enabling members to access cash without surcharge fees regardless of location. The partnership also includes shared branching locator capabilities for in-person transactions at other credit union locations.
• FiservcoreTechnology or IntegrationPacific Cascade Mobile Banking app is powered by Fiserv technology. Fiserv provides the underlying platform enabling mobile banking features including real-time account access, mobile deposits, card management, alerts, and secure authentication. Fiserv is a global leader in financial services technology.
• NCUA (National Credit Union Administration)coreOthersThe National Credit Union Administration is the independent federal agency that charters and regulates federal credit unions. NCUA operates the Share Insurance Fund, which insures individual accounts at Pacific Cascade FCU up to $250,000. The NCUA seal appears on Pacific Cascade marketing materials as assurance of deposit insurance protection.
• VisacoreTechnology or IntegrationPacific Cascade Federal Credit Union offers Visa-branded debit and credit cards accepted at millions of locations worldwide. The credit union's Visa debit cards can be used wherever Visa is accepted, including point-of-sale terminals at grocery stores, department stores, and gas stations.

Scale indicators5 records

Recent moves11 records

Expansion highlights5 records

Direct peers

• iQ Credit Union: Vancouver, Washington-based community credit union with member service across the Pacific Northwest including Oregon. Offers similar checking, lending, mortgage, and digital banking products, competing for members in the broader I-5 corridor that overlaps Pacific Cascade's geography.
• Maps Credit Union: Salem, Oregon-based community credit union offering checking, savings, mortgages, auto loans, and business banking. Overlapping Oregon service area and similar community-charter structure make it a direct competitor for members in adjoining Oregon counties.
• SELCO Community Credit Union: Springfield/Eugene-based community credit union with similar product offerings and overlapping Lane County service area. SELCO offers checking, savings, mortgages, auto loans, and business banking, and competes directly with Pacific Cascade for the same Lane County membership base.
• Advantis Credit Union: Portland-based Oregon community credit union offering a comparable mix of personal banking, mortgages, auto loans, and business services. Competes with Pacific Cascade for members across Oregon and represents a similar mid-sized community-charter operating model.
• Rivermark Community Credit Union: Portland-area Oregon community credit union offering checking, mortgages, auto loans, business banking, and investment services. Comparable community-charter model with similar product breadth, competing for members across northwest Oregon.
• Oregon Community Credit Union: Also headquartered in Eugene, Oregon, Oregon Community Credit Union is a direct peer serving Lane County and surrounding areas with a similar community-focused product suite including mortgages, auto loans, credit cards, and business banking. Comparable membership model and geographic overlap make it the closest direct competitor for Pacific Cascade members.
• Northwest Community Credit Union: Eugene-based community credit union serving Lane County and central Oregon. Offers similar deposit, mortgage, and consumer lending products, directly competing with Pacific Cascade for members in the Eugene-Springfield metropolitan area.
• Unitus Community Credit Union: Portland-based Oregon community credit union serving the Portland metro and parts of western Oregon. Comparable member-owned model with a similar suite of personal and business banking products, competing in the broader Oregon community credit union segment.

Broad incumbents

• First Tech Federal Credit Union: One of the largest U.S. credit unions with a strong Pacific Northwest presence including Oregon. Offers a comprehensive product suite similar to Pacific Cascade but with much broader geographic reach, deeper technology investments, and national brand recognition among technology-sector employees.
• OnPoint Community Credit Union: One of the largest credit unions in Oregon, headquartered in Portland with a statewide footprint including Lane County. Offers a comparable full product suite (mortgages, consumer loans, business banking) but at significantly greater scale and branch density, serving as a broader incumbent competing for the same members across Oregon.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PacificCascade
• Instagraminstagram.com/pacificcascadefederalcu
• LinkedInlinkedin.com/company/pacific-cascade-federal-credit-union

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

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 Pacific Cascade Federal Credit Union