COVID-19 Updates

COVID-19 Updates

Branch Hours & Information:

  • Erin Way: Lobby and Drive-Up 9am – 5pm, Monday – Friday.
    Mortgage applications by appointment only. Please call 503-256-5858 opt 4 to schedule, or apply online
  • Ross: Lobby 9am – 5pm, Monday – Friday.
    Mortgage applications by appointment only. Please call 503-256-5858 opt 4 to schedule, or apply online.  For all other loans, please call 503-256-5858 opt 3, or apply online.
  • Hood River: Lobby and Drive-Up 10am – 6pm, Monday – Friday
    Mortgage applications by appointment only. Please call 503-256-5858 opt 4 to schedule, or apply online
  • BPA/911: Temporarily closed

    Per county guidance, face masks or coverings are required in our lobbies, unless an exemption applies.  We are limiting the number of people inside the branches and ask that you wait in the marked areas and practice social distancing. We are disinfecting the branches frequently and have installed germ shields, but we still encourage members to continue to use our drive-up and remote channels whenever possible. Please do not come to a lobby if you are sick or have a fever.

Text COVID to 503-256-5858 for updated branch hours and information.  

We’re here to help you manage your money and respond to COVID-19 concerns and hardships. Here’s how you can take care of your banking remotely, avoid scams, and get financial relief if you now have a loss of income.

How to Manage Your Money RemotelyOpened EntryClosed Entry

There are lots of ways to take care of your banking without entering a branch. Use our mobile app to deposit checks, make transfers, send money and apply for loans. You can also use online banking or contact us by phone or chat to manage your accounts.

Learn more about your remote banking options here. We hope you’ll start using these options right away, to help us maintain social distancing and ensure you have access to your funds even as branch availability changes.

Federal Stimulus ChecksOpened EntryClosed Entry

The IRS has started sending economic stimulus checks. Visit the IRS website to check your payment status, find out if you’re getting direct deposit or a paper check, and possibly sign up for the direct deposit option.  

If you were exempt from filing taxes in 2018 and 2019, you may still qualify for a check. Get help for non-filers here.

Wondering when to expect your stimulus check? See this Forbes article for a timeline and read the FAQs on the IRS site. Don’t forget to set up a Large Deposit alert in online banking so you get notified when the deposit comes in. Click on Additional/Mobile Services > Text Banking & Alerts > Add an Alert to set it up.

Also, be sure to watch out for stimulus check scams, described below.

Beware of Coronavirus ScamsOpened EntryClosed Entry

Scammers are now looking for ways to take advantage of unsuspecting victims who are expecting their stimulus check. The Federal Trade Commission (FTC) recently warned consumers that the government will never ask you to pay money upfront to receive the checks, or call you to ask for personal information like your Social Security number or bank account number, all of which are typically scams. Don’t give credit card or other personal information to anyone over the phone.

You will either receive a direct deposit, or a check in the mail. The government will not send you the payment via Venmo or another app. Direct deposits are more secure than paper checks, so if you are waiting for a check, be vigilant about checking your mailbox.

Fraudsters are now busy with unemployment benefits scams. If you’re filing for state unemployment or any government assistance, do not share your personal information with someone who calls you. Remember most organizations will not call you to ask for personal information. 

The FTC also released an alert to watch out for emails, texts, posts or ads offering vaccines, products or medical tips in exchange for your information, money or clicks. Check donation requests carefully to make sure they’re from legitimate charities. Click here for more information and tips to avoid becoming a victim of a scam.

You can find more suggestions on the FTC’s website.

Financial Relief for PNWFCU MembersOpened EntryClosed Entry

With kids staying home from school and families facing extra expenses, loss of income or increased health care needs, it could be especially hard to pay the bills right now.

  • Our Skip-a-Pay program allows you to skip your eligible loan payment(s), with no fee. Apply for up to 2 months of skip-a-payment on any loan except business and real estate loans. Check your GAP policy or other credit protection agreements before you skip the payment to be sure you are aware of any impact on coverage.  
  • You might qualify for new loan terms or postponement of your real estate payments. Contact us to see if you qualify for real estate assistance.
  • You can use Pay-by-Phone to make a loan payment over the phone, with no fee. Refer to our Payment Center for other options.
  • We are waiving the early withdrawal penalties on certificates if you need access to your savings. 
  • We will not charge members for a stop payment on an IRS Direct Debit Installment Agreement between April 1 and July 15, 2020. Note that if payments are stopped, in order to avoid possible default of the agreement once the IRS suspension period expires on July 15, 2020, taxpayers must inform us to allow the debits to resume at least two weeks before their next payment is due.
  • We have a furlough or layoff loan available: 
    • Membership requirement of 90 days prior to being eligible
    • Available to self-employed member, providing they are paid wages through the business and can document with pay stub or bank statement
    • Maximum loan amount – one month of net pay
    • Terms
      • 3.75% rate
      • 60-days to first payment
      • Minimum $100 payment
      • 12-month max length
    • Select “Personal Loan” on the online application, then in the purpose select “other” then enter “Furlough_Layoff”,  or call us at 503-256-5858 for more information.

SBA PPP Loans & Resources for Businesses and ConsumersOpened EntryClosed Entry


Note: We are no longer accepting new SBA PPP applications. 

To our Paycheck Protection Program members:

Thank you again for choosing Pacific NW Federal Credit Union as your SBA Paycheck Protection Program (PPP) Loan provider.  We appreciate the opportunity to help local businesses stay afloat during the COVID-19 pandemic. 

As you may be aware, the Paycheck Protection Program Flexibility Act of 2020 was passed by Congress and signed into law on June 5, 2020. This Act changes several key provisions of the PPP such as the loan maturity, deferral of loan payments, and forgiveness provisions, to conform to the Flexibility Act. The following are the essential changes to the program:

  • The covered period for a PPP loan has been changed from the period beginning February 15, 2020 and ending June 20, 2020 to the period beginning February 15, 2020 and ending December 31, 2020
  • The minimum maturity of PPP loans has been changed from two years to five years for all loans made on or after the enactment of the PPP Flexibility Act, June 5, 2020
    • For loans made before June 5, 2020, the maturity is two years
  • The loan forgiveness covered period is now the 24-week period beginning the date your PPP loan is disbursed
    • If your PPP loan was made before June 5, 2020, you may elect to have your covered period be the original eight-week period beginning the date your PPP loan was disbursed
  • The minimum portion of PPP loan funds that must be used for payroll in order to avoid a reduction in loan forgiveness has been changed from 75% to 60%.

Again, these are the primary changes to the program.  We expect SBA to issue revisions to its interim final rules and additional guidance in the coming days and weeks. Further detailed information on the Paycheck Protection Program and the Flexibility Act may be found at We will continue to provide information as necessary.

For our business members whose loans were disbursed prior to June 5, 2020, the credit union will use the 24-week period forgiveness period unless you notify us that you wish to keep the original eight-week forgiveness period. Anyone who wishes to do this can notify us at PNWFCU PPP Contact.

Additional Resources for Businesses and Consumers

Oregon Coronavirus Hotline: call 211 from a cell phone, or 503-222-5555 from a landline, or text your zip code to 898211, or email

Washington Coronavirus Hotline: 800-525-0127, then press #