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CALCOE Federal Credit Union is a member-owned, not-for-profit financial institution serving the Yakima Valley with savings accounts, loans, and financial education programs.
Data compiled from public sources
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CALCOE Federal Credit Union is a credit union based in Yakima Valley, Washington, operating as a member-owned, not-for-profit institution regulated by the NCUA (National Credit Union Administration). The organization's stated mission is to promote thrift, provide affordable access to credit, and help members improve their quality of life.
The credit union offers a range of financial products including share savings accounts, share certificates (CDs), auto loans, home loans, credit cards, and listed credit-building loans. They provide digital banking through mobile and online platforms, and maintain two physical branches in Yakima and Moxee. CALCOE also offers practical savings tools such as a debit card round-up program and Christmas Club accounts, alongside borrowing options like credit builder loans designed for members with limited or damaged credit history.
CALCOE distinguishes itself through direct community engagement, partnering with local organizations to provide financial education beyond standard banking services. The credit union offers text banking (46247) for convenient account access and a dedicated CARe Line (866.908.4308) for customer service. Their rate structure is listed, with published rates for auto loans (5.59% APR), credit cards (11.90% APR fixed), and certificates (3.60% APY for 6-month terms).
As a credit union, CALCOE is fundamentally limited to serving member-owners rather than the general public, which means account eligibility depends on field-of-membership criteria. While they offer rate claims to verify and community-focused services, the organization's scope and resources are smaller than large commercial banks, which may limit product variety and branch accessibility for some consumers.
This is state-level context for Credit Unions consumers in Yakima, WA. It does not confirm that Calcoe or this specific location is licensed.
State regulator
Washington Department of Financial Institutions
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Calcoe offers 14 services including Share savings accounts (primary deposit accounts), Share certificates (CDs) with published rates, Auto loans with rates starting at 5.59% APR, Home loans with published rate options, Fixed-rate credit cards at 11.90% APR, and 9 more.
Calcoe has profile signals associated with Yakima Valley residents and employees seeking a local, community-focused financial institution, Members with limited credit history or past credit problems interested in credit-building loans, Savers looking for rate claims to verify and automated savings tools like round-up programs, Consumers prioritizing financial education and community partnerships in their banking relationship.
Key strengths: Credit builder loans available specifically for members with limited or poor credit history; Competitive auto loan rates starting at 5.59% APR with listed, published pricing; Debit card round-up savings program allows automatic savings from everyday purchases. Areas to consider: Limited to two physical branch locations (Yakima and Moxee), restricting in-person access for broader regional members; Field-of-membership restrictions mean not all consumers can join; eligibility depends on employment, residence, or group affiliation.
In the Credit Unions category, comparable providers include BECU credit union, Express Credit Union, Salal Credit Union – First Hill Branch. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CALCOE is profile signals for Yakima Valley residents and employees who qualify for membership and seek a local, member-owned alternative to traditional banks with an emphasis on credit building and financial education. The primary caveat is field-of-membership restrictions—not all consumers can join, so eligibility must be confirmed before pursuing membership.
BECU is a Washington-based credit union offering banking services including checking, savings, and lending products to members in the Pacific Northwest.
Google rating from 259 reviews
Profile signals: Boeing employees and eligible family members in Washington state, Pacific Northwest residents seeking credit union membership benefits
Express Credit Union is a community-focused credit union offering affordable checking, savings, loans, and credit-building services to underserved populations including ITIN holders.
Google rating from 168 reviews
Profile signals: Immigrant populations and ITIN holders seeking mainstream lending alternatives to high-cost lenders, Members seeking credit-building products and financial counseling rather than short-term cash access
Salal Credit Union is a member-owned financial cooperative offering banking services including checking, savings, and lending products to its membership base.
Google rating from 24 reviews
Profile signals: Individuals eligible for Salal Credit Union membership seeking member-owned banking alternatives, Consumers in the First Hill area looking for local credit union services
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