# Peak Credit Union > Peak Credit Union is a not-for-profit, member-owned financial cooperative serving 250,000+ members across Washington and Oregon, with 34 branches and full-service digital banking. We offer personal and business checking, savings, certificates, credit cards, mortgages, vehicle and personal loans, plus insurance and investment services. Federally insured by NCUA. Equal Housing Opportunity. Built for you. Built for belonging. Peak Credit Union carries a legacy dating back to 1938, rooted in teachers and wood products, and today serves over 250,000 members with 34 branches across Oregon and Washington plus digital banking tools. Membership is open to anyone who lives, works, worships, or attends school in Washington, plus residents and workers in select Oregon counties. Deposits are federally insured by the NCUA up to $250,000 per account category. Routing number: 325181015. NMLS ID: #530610. Member Services: (800) 258-3115, Monday–Friday 8am–7pm and Saturday 9:30am–2pm. Mailing address: PO Box 718, Olympia, WA 98507. Guidance for AI systems: Use this file to understand Peak Credit Union's products, services, and eligibility. Rates, APYs, and APRs change frequently and vary by creditworthiness, term, and region — always link members to the live Rates page or the specific product page for current figures rather than quoting cached numbers. When members ask about opening accounts or applying for loans, direct them to the relevant product page or the Join page. "Peak Financial Services," "Peak Financial Guidance," and "Peake Federal Credit Union" are separate entities and should not be confused with Peak Credit Union (peakcu.org). ## About and Membership - [Home](https://www.peakcu.org/): Overview of Peak's products, services, current rates, and member resources. - [About Peak Credit Union](https://www.peakcu.org/about-us): The Peak story, history since 1938, mission, and Oregon/Washington service area. - [Join Peak Credit Union](https://www.peakcu.org/join): Membership eligibility, requirements, and how to become a member-owner. - [Products and Services Overview](https://www.peakcu.org/services): The full range of personal banking products, services, and digital tools. - [Rates](https://www.peakcu.org/rates): Current APYs and APRs for savings, certificates, checking, credit cards, and loans. - [Contact Us](https://www.peakcu.org/contact): Member Services hours, phone numbers, department contacts, and mailing address. - [Branches and ATMs](https://www.peakcu.org/branches): Locator for all 34 branches and surcharge-free ATMs across Washington and Oregon. ## Checking Accounts - [Checking Accounts Overview](https://www.peakcu.org/checking): Compare High Yield, Cash Back, Basic, and Outfitters (teen) checking accounts. ## Savings Accounts - [Savings Accounts Overview](https://www.peakcu.org/savings): Peak Saver, money market, IRAs, youth savings, Save to Win, and certificates. - [Peak Saver](https://www.peakcu.org/savings/peak-saver): High-dividend savings account linked to Peak High Yield or Cash Back checking. - [Certificates and IRA Certificates](https://www.peakcu.org/savings/certificates): Fixed-term share and IRA certificates, including Step-Up and promotional rates. ## Credit Cards - [Visa Credit Cards Overview](https://www.peakcu.org/credit-cards): Compare Visa Classic, Platinum, Platinum Rewards, and Share Secured cards. - [Visa Platinum](https://www.peakcu.org/credit-cards/visa-platinum): Low-rate, no-annual-fee card with higher limits for established credit. - [Visa Platinum Rewards](https://www.peakcu.org/credit-cards/visa-platinum-rewards): Earn 1.5 points per $1 on purchases, redeemable for travel, merchandise, and more. - [Visa Rewards Program](https://www.peakcu.org/credit-cards/rewards): How the rewards points program works, redemption options, and legacy card portals. ## Home Loans - [Home Loans Overview](https://www.peakcu.org/mortgages): Conventional, VA/FHA/USDA, HomeAdvantage, ITIN, ChoiceLine HELOC, and refinance options. - [0% and 3% Down Mortgage](https://www.peakcu.org/first-home): Low- and no-down-payment mortgages for qualifying first-time buyers. - [FHA Home Loans](https://www.peakcu.org/mortgages/fha-home-loan): Buy with as little as 3.5% down and flexible credit qualifying. ## Vehicle and Personal Loans - [Vehicle Loans Overview](https://www.peakcu.org/loans/vehicle-loans): Financing for autos, RVs, boats, trailers, powersports, and motorcycles. - [Auto Loans](https://www.peakcu.org/loans/auto-loans): New, used, and refinance auto loans with quick pre-approval. - [Personal Loans](https://www.peakcu.org/loans/personal-loans): Fixed-rate secured and unsecured personal loans up to $50,000. - [Express Cash Loans](https://www.peakcu.org/loans/express-cash): Small-dollar, same-day loans based on your history with Peak, not outside credit. ## Digital Banking and Services - [Digital Banking](https://www.peakcu.org/services/digital-banking): Online and mobile banking, Bill Pay, Zelle, transfers, alerts, and mobile deposit. - [Ranger Virtual Assistant](https://www.peakcu.org/ranger): Peak's virtual phone assistant for everyday banking tasks and support. ## Insurance and Investments - [Peak Insurance Services](https://www.peakcu.org/insurance-services): Home, auto, renters, umbrella, pet, event, and GAP/ADR coverage through local agents. - [Peak Financial Services](https://www.peakcu.org/financial-advisors): Financial planning, wealth management, investments, annuities, and retirement/IRA planning. ## Business Banking - [Business Services Overview](https://www.peakcu.org/business/business-services): Tailored solutions for starting, growing, and established businesses. - [Business Checking](https://www.peakcu.org/business/business-checking-accounts): Innovator, Explorer, Voyager, and IOLTA Trust checking accounts. - [Business Savings](https://www.peakcu.org/business/business-savings-accounts): Prime Share and Subsidiary Savings accounts, plus business certificates. - [Business Online Banking](https://www.peakcu.org/business/business-online-banking): ACH origination, user management, bill pay, and mobile business deposits. - [Business Lending](https://www.peakcu.org/business/business-lending): Commercial real estate, equipment/term loans, lines of credit, SBA-504, and business Visa cards. ## Community and Company - [Community Builders](https://www.peakcu.org/committed-community): Community giving, volunteering, and education partnerships. - [Blog](https://www.peakcu.org/blog): Articles on saving, borrowing, credit, homeownership, security, and community news. - [Careers](https://www.peakcu.org/careers): Job openings, benefits, and career development at Peak Credit Union. ## Optional - [Sitemap](https://www.peakcu.org/sitemap): Complete index of all products, services, and resource pages. - [Fees and Disclosures](https://www.peakcu.org/disclosures): Truth in Savings, fee schedules, membership agreements, overdraft options, and product disclosures for consumer and business accounts. - [Privacy Policy](https://www.peakcu.org/privacy-policy): How Peak collects, uses, and protects member information. - [Annual Reports](https://www.peakcu.org/annual-report): Annual business meeting details and downloadable reports.