Contact Us
Contact Us
Phone: 509-248-4308 or 800-822-2370
Fax: 509-248-4299
E-Mail: Joleen@calcoefcu.com
Mail: PO Box 71, Yakima, WA 98907
Location: 1209 N. 16th Ave., Yakima, WA 98907
Privacy Policy
CALCOE Federal Credit Union, your member owned financial institution, is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We are equally committed to protecting our members’ privacy. You can be confident that your financial is a priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use and safeguard your personal financial information.
If you have any questions regarding this privacy notice, please contact us immediately.
Information We Collect About You
We collect non-public personal information about you form the following sources:
We collect non-public personal information about you form the following sources:
- Information we receive from you on applications and other forms;
- Information about your transactions with us or others;
- Information we receive from a consumer reporting agency.
- Information obtained when verifying the information you provided on an application or other forms: this may be obtained form your current or past employers, or from other institutions where you conduct financial transactions.
Disclosure of Information to Parties That Provide Services to Us.
In order to conduct the business of the credit union, we may disclose all of the information we collect, as previously described above, to companies that perform other services on our behalf so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize.
In order to conduct the business of the credit union, we may disclose all of the information we collect, as previously described above, to companies that perform other services on our behalf so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize.
To protect our members’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use information we provide. We do not permit these companies to sell the information we provide to other third parties.
Disclosure of Information About Former Members
If you terminate you membership with Calcoe Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.
If you terminate you membership with Calcoe Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.
How We Protect Your Information.
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance if maintaining confidentiality and member privacy. We maintain physical, electronic, or procedural safeguards that company with federal regulations to guard you nonpublic personal information.
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance if maintaining confidentiality and member privacy. We maintain physical, electronic, or procedural safeguards that company with federal regulations to guard you nonpublic personal information.
What Members Can Do to Help .
Calcoe Federal Credit Union is committed to protecting the privacy of its members, Members can help by following these simple guidelines.
Calcoe Federal Credit Union is committed to protecting the privacy of its members, Members can help by following these simple guidelines.
- Protect your account numbers, plastic card numbers, PIN’s (personal identification numbers) or passwords, Never keep you PIN with your card, which can provide free access to you account if you card is lost or stolen,
- Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union. Official credit union staff will have access to you information and will not need to ask for it.
- Keep your information with us current. If your address or phone numbers changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
If you have questions concerning this notice, please do not hesitate to call us - we are here to serve you!
Calculators
Calculators
These calculators are provided as general reference only. Please be aware that exact figures are only available when consulting a qualified Credit Union representative.
Fee Schedule
Fee Schedule
| SHARE ACCOUNTS | |
| Account closed within 90 days of opening | $ 5.00 |
| Account reopened within 90 days of closing | $ 5.00 |
| Dormant Account | $ 10.00 |
| SHARE DRAFT ACCOUNT | |
| NSF (Non-sufficient funds) | $ 20.00 |
| Auto Transfer Share to Checking | $ 5.00 |
| Stop Payment Request fee per item or series of checks | $ 18.00 |
| 1 Sheet of 4 Checks | $ 2.00 |
| Retrieval - Original Item (fee per item) | $ 4.00 |
| Retrieval - Photocopy (fee per item) | $ 2.00 |
| Retrieval - Emergency Fax Copy (fee per item) | $ 4.00 |
| Printout of History (fee per page) | $ 1.00 |
| Reconciliation of account (1 hour min/per hr fee) | $ 20.00 |
| LOAN FEES | |
| Late Fees - 10 days after due date | $ 25.00-45.00 |
| Returned Loan Payments | $ 20.00 |
| MISCELLANEOUS FEE | |
| Wire Transfers | $ 10.00 |
| Foreign Currency Purchase fee | $ 10.00* |
Online Services
Online Services
Calcoe Federal Credit Union is pleased to provide it’s members 24 hour access to many services to help you take advantage of the products we offer to help you meet your financial needs. Some of the Online Services we offer include:
Check Reorder
Redirecting to http://reorder.libertysite.com/
Applications
Applications
Here you’ll find links to all the applications available on our site. By following the links below you are able to fill out applications for loans, employment, membership or other specific areas.
- Loan Application
- Credit Card
- Membership
- Employment
- Debit/ATM
- Checking/Savings
Rates
Rates
RATES ARE SUBJECT TO CHANGE
Please see the Credit Union for the latest rate information. Actual interest rate for loan varies according to your personal credit score. Rates subject to change at any time.
| Savings Rates - Effective Tuesday, April 1, 2008 | ||||
|---|---|---|---|---|
| Account Type | APR | APY | Minimum Deposit |
Minimum Balance |
| Regular Share | 1.150% | 0.000% - 1.160% | $40.00 | $0.00 |
| Money Market Savings Account | 2.000% | 0.000% - 2.020% | $5,000.00 | $5,000.00 |
| Money Market Savings Account | 2.100% | 0.000% - 2.120% | $5,000.00 | $10,000.00 |
| Money Market Savings Account | 2.200% | 0.000% - 2.220% | $5,000.00 | $20,000.00 |
| Traditional Ira Share Acct | 2.300% | 0.000% - 2.320% | $250.00 | $0.00 |
| Roth Ira Share Acct | 2.300% | 0.000% - 2.320% | $250.00 | $0.00 |
| Coverdell Ira Acct | 2.300% | 0.000% - 2.320% | $250.00 | $0.00 |
| Loan Rates - Effective Wednesday, July 9, 2008 | ||
|---|---|---|
| Loan Type | Rates as low as | Terms/Information |
| New Vehicle Loans | 5.400% | Just One Of Our Great Rates! |
| Used Vehicles 6 Model Years | 6.400% | Another Great Rate For You!! Apply Online Today. |
| Used Auto 7 Model Yrs & Older | 8.400% | Want One Of Those Classics… We Can Finance It Today. |
| Signature Loan | 11.050% | A Loan For All Those Unexpected Financial Needs! |
| Rv’s | 6.400% | Vacation Time Is Here… See Us For Your R.v. Purchase Today |
| Share Draft Line Of Credit | 15.000% | Use This For Protecting Your Checking Acct From Overdrafts |
| Visa Credit Card | 11.900% | Fixed Rates For Purchases And Cash Advances |
| CD Rates - Effective Wednesday, July 9, 2008 | |||
|---|---|---|---|
| Certificate Term | APR | APY | Minimum Deposit |
| 6 Month Certificate | 3.350% | 3.390% | $250.00 |
| 12 Month Certificate | 3.300% | 3.340% | $250.00 |
| 18 Month Certificate | 3.250% | 3.290% | $250.00 |
| 24 Month Certificate | 3.200% | 3.240% | $250.00 |
Home
Summer has finally arrived!
Here is our new website… hope you enjoy it!
New Home Banking Website including Bill Payer, check viewing, opening new accounts, Share Certificates (Similar to CD’s), loan application, and many more features and customizations available at your fingertips.
New Features:
- CARE (CALCOE’s Audio REsponse Line) Get 24/7 Access to Your Account. 1-866-908-4308
- Shared Branching in Spokane with AMICUS, Inland Empire Trades, Spokane Firefighters, Spokane Media ~ in Portland, OR - United Advantage Credit Union’s 3 branches and in Seattle look for Seattle Credit Union Center’s 3 locations.
- IRA Certificates are now available. Contact one of our Membership Services Representative for more details.
Credit Union Hours
Lobby
Monday-Friday 8am-5pm
Drive-up
Monday-Thursday 7 am to 5pm Friday 7am-6pm
CALCOE F.C.U.’s membership is open to anyone who lives, works, worships, or attends school in the Yakima County.
Products & Services
Products & Services
We are pleased to offer:
- Home Equity Loans
- New and Used Auto Loans
- Personal Loans
- RV Loans
- Watercraft Loans
- Mortgage Refinance
For your savings and checking needs we have:
- Passbook Savings Accounts
- MMA (Money Market Accounts)
- Share Certificates (Similar to Bank’s CD’s)
- Checking Accounts - No monthly fee or Minimum balance!
- IRA’s (Traditional, Roth, and Educational)
We also have many other services to satisfy your needs:
- Payroll Deduction
- Direct Deposit
- Electronic Funds Transfer (EFT)
- Foreign Money Purchase - for any of your traveling needs
- Wires
- Notary Service
About
About Us
CALCOE FCU has been in business in the Yakima Valley since 1937. We started as a credit union for Cascade Lumber Company Mill (Boise Cascade Corp). Through the many years of service to our members, we have seen many changes in the industry but our committment to our members’ financial needs remains our mission. We are a full service credit union that serves many different families from around the valley, state and country. Our continued dedication to the members’ needs will always be our goal.
