IBEW and United Workers Federal Credit Union is a member-owned financial institution offering auto loans, personal loans, mortgages, credit cards, and deposit accounts with competitive rates.
Data compiled from public sources · Rating from CreditDoc methodology
IBEW and United Workers Federal Credit Union operates as a full-service financial institution serving members primarily in the Portland, Oregon area. The organization appears to have ties to the International Brotherhood of Electrical Workers (IBEW) and united workers, though membership eligibility details are referenced but not fully detailed on their website. The credit union has been active in community engagement, hosting events like home buyer education classes and annual member meetings. The organization maintains physical branch locations and provides both in-person and digital banking services.
The credit union offers a comprehensive suite of consumer financial products. Auto loans start at rates as low as 3.99% with terms up to 84 months, and they actively promote refinancing from other lenders. Personal loans begin at 9.49%, with VISA credit cards at the same starting rate. They provide home equity loans, mortgage financing, and recreational vehicle loans. On the deposit side, members access checking and savings accounts, certificates of deposit (CDs), vacation savings funds, VISA debit cards, and VISA gift cards. Digital services include online banking, mobile deposits, bill pay, account-to-account transfers, and a mobile app called "It's Me 247."
The credit union distinguishes itself through member-centric promotions and accessibility features. They currently offer promotional incentives such as 1% off published auto loan rates plus 60 days with no payment for transfers (April 2026). The organization provides free financial advisor services and multiple payment options including their LoanPay Xpress portal. They participate in the CO-OP shared branch and ATM network, allowing members access beyond their primary locations. Security features are prominently communicated, including fraud protection and phishing awareness messaging.
The credit union appears well-established with standard operational practices but has notable limitations in online transparency. While the website confirms their existence and service offerings, key details about membership eligibility criteria, specific branch locations, current rates, and fee schedules are referenced but not fully published online. The website content is largely navigation menu items rather than detailed informational pages, suggesting members may need to contact them directly for complete product specifications and terms. Geographic service area appears limited to Portland, Oregon region based on available location references.
Yes. Ibew & United Workers is a registered company, headquartered in ,, founded in 1954.
Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.
CreditDoc Diagnosis
IBEW and United Workers Federal Credit Union is best for auto refinance borrowers in the Portland area who can access membership and want competitive rates with promotional incentives, plus those seeking full-service banking from a community-focused institution. Main caveat: membership eligibility is unclear from their website, and critical product details like exact rates, terms, and fees require direct contact—limiting transparency for online research.
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