Portland, Oregon

Business Accounts

Business Services & Loans

At PNWFCU, we work hard to understand the needs of Northwest businesses. We’ve put together a value-packed portfolio of business services specifically designed to meet those needs. Our services can help your business grow, attract quality employees and provide your company with a long-term financial partner!

Download our business membership package here.

Business SavingsOpened EntryClosed Entry

Establish your membership and eligibility for all Business Services at PNWFCU with your savings account. Features include:

  • $5 opening deposit
  • Free mobile and online banking
  • No monthly service fee

Business CheckingOpened EntryClosed Entry

Both of our business checking accounts include unlimited deposits, a free debit card, and free online and mobile banking. Choose the account that fits your business’ needs.

Biz-e Free Business Checking

Ideal for the business owner looking for the speed and convenience of electronic banking partnered with the personalized service that you’ve come to expect from Pacific NW Federal Credit Union.

  • 10 checks cleared per month at no charge
  • 20 FREE online bill payments
  • No minimum balance requirement
  • No monthly service fee
  • FREE E-statements (required)

Premium Business Checking

Perfect for your small business, this account focuses on the basics to ensure your account activity flows as smoothly as possible. At PNWFCU, we believe your business checking account should provide convenient and flexible options that don’t complicate your business.

  • 99 checks cleared per month at no charge
  • No service fee when a $3,000 average daily balance is maintained in your account
  • $10.00 monthly service fee if the average balance requirement is not met

Business Deposit RatesOpened EntryClosed Entry

 Balance RequirementsAnnual Percentage Rate (APR)Annual Percentage Yield (APY)
Business Savings$500 to earn dividends0.00%0.00%
Biz-e Free Checking
(eStatements required)
NoneN/AN/A
Premium Business Checking $3,000 to waive $10 monthly service charge0.05%0.05%

SEP and IRA PlansOpened EntryClosed Entry

Plan for future financial security with our retirement accounts. Our IRA and SEP accounts are insured separately up to $250,000 by the NCUA.

Would you like to talk with a specialist about 401(k) plans for you and your employees? Review our financial planning resources for more information.

Business LoansOpened EntryClosed Entry

Vehicles Equipment Business
Use Business purposes, transportation Transportation/freight, medical/dental, manufacturing, construction equipment General business expenses – long term working capital, marketing, software
Pre-approval Yes Yes No
Term Up to 84 months* Up to 84 months* Up to 60 months*
Collateral Vehicle Equipment None required
Time in Business 2 Years 2 Years 2 Years
Down Payment 0-10%* 10%* N/A

Commercial Real Estate

Choose local for your next commercial real estate purchase or refinance.

Property Type Owner occupied, investment
Pre-approval Yes
Term Up to 15 Years*
Amortization Up to 25 Years*
Equity/Down Payment 25%*

*Terms subject to underwriting of a complete loan application package.

Business VisaOpened EntryClosed Entry

Cash Awards Visa for Business

Businesses can enjoy ultra-low rates, 1% cash back and no annual fee with our Cash Awards Visa. You can use it anywhere Visa is accepted and earn 1% cash back on your purchases.

The cash will automatically be deposited into your business savings account on the 15th day (or next business day) of each new quarter: January, April, July & October. Review  our Application and Solicitation Disclosure and Credit Card Agreement.

Apply

Merchant Card ProcessingOpened EntryClosed Entry

By accepting credit and debit cards you can improve customer convenience and satisfaction, and increase sales.

PNWFCU offers merchant card processing through Total Merchant Concepts, a local bankcard processor. Our equipment is priced very competitively and deposits are made via ACH to your business checking account at the credit union, generally within 48 hours of your batch closing.

Benefits of partnering with TMC for your merchant card processing include:

  • Month-to-month service agreements
  • 24/7 customer service
  • No hidden fees
  • Create your own gift card program
  • Easy to read monthly statements
  • Ongoing contact and annual reviews
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