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Why Choose iQ?

Experience the iQ Difference

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    Providing friendly, personalized banking services to our neighbors since 1940

  • mobile-banking

    Access your accounts anytime, anywhere, with our user-friendly online banking platform and mobile app. Manage your finances on-the-go with features like mobile check deposit, bill pay, and account alerts.

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    16 branches in SW Washington and Portland Metro area and a network of 5,000 branches and 30,000 ATMs nationwide

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    Member-owned and operated so you experience the benefits

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    As a member of a credit union, you are part of a not-for-profit financial organization benefiting you because we give back through lower loan rates and higher interest rates.

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    Serving our members includes giving back with education programs, scholarships, and other programs to support the community we call home.

Ready to Get Started?

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We are a Full-Service Financial Institution based in the Pacific Northwest

We have a growing community of more than 90,000 members and our mission is to help each one achieve their financial goals

Whether it's saving for a dream home, building a robust investment portfolio, or planning for a worry-free retirement, our dedicated team is here to guide you every step of the way. Join us and embark on a transformative journey towards financial success.
  • Checking

    Maximize Your Finances with Our Tailored Checking Solutions

    Introducing iQ Credit Union's suite of checking accounts, designed to simplify your financial life and provide unmatched value. Choose from our range of innovative, flexible checking options that cater to your unique needs and empower you to make the most of your money.

    Experience the iQ difference with our checking accounts:

    1. Basic Checking

    2. Intelligent Checking

    3. Interest Checking

    4. Youth Accounts

    Click here for more information.

    Apply Online

    All Checking Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.
    Truth-in-Savings Disclosure: Except as specifically described, the following disclosures apply to all accounts.

    • Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information.
    • Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
    • Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
    • Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g., checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
    • Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
    • Account Limitations. For Primary and Secondary Shares, Non-Profit Organizations and Money Market accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers may be made from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee or be closed. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals

  • Savings

    When you join iQ, your savings account is your passport to iQ membership privileges. We offer a bunch of easy ways to save:

    Savings account - $5 is all you need to open a savings account and become an iQ member.
    Easy Saver – Every time you use your debit card, you add a little more to your savings account.

    Click here to learn more.

    Apply Online

    All Savings Accounts: *APY = annual percentage yield. Fees could reduce earnings on this account. Rate may change at any time after account is open. Click here for full account disclosures.Truth-in-Savings Disclosure Except as specifically described, the following disclosures apply to all accounts

    1. Rate Information. The Interest/Dividend Rate and Annual Percentage Yield (APY) on your accounts are set forth in the Personal Rate Schedule. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest/dividends to be paid on an account based on the Interest/Dividend Rate and frequency of compounding for an annual period. The Interest/Dividend Rate may change monthly as determined by the Board of Directors. For all Money Market and IRA type share accounts, the rate may change weekly on Wednesdays as set by the Credit Union. If the Money Market balance drops below the Minimum Balance, then the interest rate will reflect the current share rate. Qualifying Intelligent Checking Accounts are tiered rate accounts. For these accounts, the interest rate applicable to a particular balance tier will apply only to the portion of the daily balance that is within the balance range for that tier. Terms and conditions to earn the Intelligent Checking rates apply, please see the Intelligent Checking Terms & Conditions for more information.
    2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield set forth in the Personal Rate Schedule are prospective rates that reflect the earnings the Credit Union anticipates paying for the Dividend Period.
    3. Compounding and Crediting. For all accounts, interest/dividends will be compounded and credited monthly. The Dividend Period begins on the first calendar day of the month and ends on the last calendar day of the month.
    4. Accrual of Interest/Dividends. Interest/dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. Interest/dividends begin to accrue on cash and non-cash (e.g. checks) deposits on the business day you make the deposit to your account. For all accounts, except Money Market and IRA / SEP accounts, if you close your account before accrued interest/dividends are credited, accrued interest/dividends will not be paid. Fees could reduce the earnings on an account.
    5. Balance Information. The minimum balance required to open each account is set forth in the Personal Rate Schedule. The minimum monthly balance required to avoid a service fee or obtain the stated Annual Percentage Yield is set forth in the Personal Rate Schedule. For Money Market accounts, there is a minimum balance required to avoid a service fee. For Primary Shares, Money Market, Secondary Shares (over 21) and IRA / SEP accounts, there is a minimum balance required to obtain the Annual Percentage Yield for the Dividend Period.
    6. Account Limitations. For Primary and Secondary Shares, Non-Profit Organizations and Money Market accounts, transaction limitations will apply. No more than six (6) preauthorized, automatic, overdraft, Online and Mobile Banking, telephonic or audio response transfers may be made from those accounts to another account of yours or to a third party in any month. If you exceed these limitations, your accounts may be subject to a fee or be closed. Refer to the Membership & Account Agreement for additional information. Intelligent Checking accounts are limited to one per account. Refer to the Personal Fee Schedule for current pricing. Refer to the Easy Saver Terms and Conditions for program details, including limitations on deposits and withdrawals

  • CD's, Money Market & IRA's

    Certificates of Deposits (CDs): 
    Earn better-than-savings returns.

    Money market account: 
    Maintain a $1,000 balance and watch the money grow.

    Individual retirement accounts (IRAs):
    Tax-deferred savings to secure your future.

    Click here to learn more.

    Apply Online

    *APY = annual percentage yield

    All Certificates:*Fees could reduce earnings on these accounts. Rates may change at any time after account opening. A penalty may be imposed for early withdrawal. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. New members must meet membership qualifications. Business certificates are not eligible for Member Perks bump. Click here for full account disclosures.

    1Accurate as of September 20, 2023. Offer is subject to change and may be discontinued at any time. This promotional certificate has an 11-month term and there are no minimum or maximum deposit amounts required. New members must meet membership qualifications. Promotional certificate will mature into a 6-month certificate, at then-current rate. Eligible for Member Perks bump upon qualification and request at CD opening. In order to receive Member Perks, your iQ account must feature a savings and checking account with a debit card, as well as enrollment in eStatements and our Easy Saver program. Penalties may apply for early withdrawal. Fees could reduce earnings on these accounts. 

    ** Business CDs do not qualify for the Member Perks .25% bump.

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    Money Market Accounts: * Fees could reduce earnings on these accounts. Rates may change at any time, including after account is opened. Click here for full account disclosures. Minimum balance of $1000 required to avoid monthly service fee.

  • Loans & Mortgage Services

    Ready to upgrade, downsize, or just add something new? We do everything we can to make buying a car as painless as possible, whether you’re looking for a new or used vehicle.

    Click here to learn more.

    Apply Online

    We all need extra money once in a while, whether it’s to pay for an unforeseen expense, a car repair, home repair, to help your kids, or for that once-in-a-lifetime trip. If you need to borrow money for whatever reason, iQ can help with a personal loan or line of credit.

    Click here to learn more.

    Apply Online

    Whether you are a first-time homebuyer or looking to refinance, we have the right home loan to suit your needs.

    Click here to learn more.

    * APR = Annual Percentage Rate. Actual rates depend on member credit qualifications, including term of the loan, age of the vehicle, credit, and employment history.

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    * APR = Annual Percentage Rate.

    Personal Loan - Qualification is based on assessment of individual credit worthiness and our underwriting standards. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice.

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    *APR= Annual Percentage Rate.

    HELOC - Variable  Rates are variable and vary with Prime Index Rate as published by the current Wall Street Journal. We add a margin to the index to determine the actual interest rate. The current Wall Street Journal prime index rate is 8.50%. The variable Rates Effective as of October 1, 2023 are 8.25% - 11.00%, depending on member credit qualifications including credit and employment history, and amount of equity in the property. Our rates do not go below 3.75% or above 15%. 

    HELOC – Fixed Rate is determined by credit qualifications and equity in the property at time of loan origination. The fixed conversion minimum is $5,000 and cannot be more than the total existing line of credit limit, with up to three fixed lines at one time. $50 fee to convert fixed portion back to line of credit.

    Learn more about Home Equity.

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    The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, an $899.00 processing fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may different.

    Home Loans: * The Annual Percentage Rates (APRs) for the 30 Year Fixed and 15 Year Fixed are calculated based on a purchase/refinance of single-family, owner-occupied residence with a down payment or existing equity of 20%, a loan amount less than $726,200.00, and a property located in Clark Co, WA.

    Adjustable-Rate Mortgage (ARM): interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

  • Investment Services / insureQ

    We know that life happens and you want to be prepared, no matter what. That’s why we offer insureQ, a credit union-owned independent insurance agency. Our experienced agents work with multiple insurance companies so they know how to find the best plans to meet your needs.

    Click here to learn more.

    Whether you are just starting out, nearing retirement, or somewhere in between, you need to have a clear plan to reach your financial goals.

    iQ Credit Union cares about our members and their financial well-being. That's why we offer investment and retirement services through CFS, to help create a financial plan to help you meet every one of life’s milestones.

    Available through CUSO Financial Services, L.P. (CFS)*

    Click here to learn more.

    *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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  • Credit Cards

    Seek better credit card options? iQ's Visa® credit cards are perfect for people who like to keep things simple with:

    • 24/7 fraud protection
    • No annual fees
    • No interest on purchases if paid in full by due date
    • Eligible for debt protection insurance

    Click here to learn more.

    Apply Online

    *APR= Annual Percentage Rate.

    The current Wall Street Journal prime index rate is 8.50%. We add a margin to the index to determine the actual interest rate. The rate is variable and may change. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice.

    Disclosure for Visa Signature Rewards | Disclosure for Visa Platinum rewards available here.  | Disclosure for Visa Platinum available here. | Disclosure for Shared Secured Visa Platinum available here.

16 Branch Locations

Serving SW Washington and the Portland Metro Area

Testimonials

See what our members have to say

"We joined iQ Credit Union 5 years ago. They had everything to offer. iQ's involved in the community. They're always around and always supporting us."

The Peaveys - members since 2014

The Peaveys - members since 2014 testimonial video

The Peaveys - members since 2014

"I have high expectations when it comes to technology and the people I do business with. iQ Credit Union does the best at meeting my needs and meeting my life."

Clinton

Clinton testimonial video

Clinton

"iQ Credit Union sees me as a partner in this community. Our relationship is authentic and it is also of mutual respect and trust."

Diana

Diana testimonial video

Diana

"iQ Credit Union took the time to talk to me and the mortgage lender I talked to said 'Tell me your story. Tell me about you. Tell me about your goals'."

Shannon

Shannon testimonial video

Shannon

"I feel that iQ Credit Union has prepared me for a life of financial literacy."

Lauren

Lauren testimonial video

Lauren