FREQUENTLY ASKED QUESTIONS
Below we have included answers to our most popular questions from members. Don’t see what you are looking for?
Just contact us, we are happy to help you find the answers you need.
ELIGIBILITY
Membership to Ironworkers USA Federal Credit Union is open to Union Ironworkers nationwide, Ironworker retirees and their family members.
There are 3 ways to join:
- You can join online by filling out the Member Inquiry Form. A member services representative will contact you in 1-2 business days to complete the application process.
- You can stop by one of our branches, and we will open an account for you on the spot.
- You can give us a call at 1-877-769-4766.
Because you deserve the best! Our staff is Union just like you. We understand the unique needs and challenges of Ironworkers and go above and beyond to ensure that our members receive the best products and services available.
Simply by opening an account, you buy a share in Ironworkers USA Credit Union and become an owner. This ownership share gives you a voice and a vote on how YOUR Credit Union operates. As a non-profit institution, we return our profits back to our owner-members by offering better service, better rates, lower fees, and special discounts. It’s a simple philosophy of “people helping people.”
No. Once a member always a member.
Credit unions are non-profit financial cooperatives where the members have agreed to save their money in a facility they own and operate and to make their savings available for low-interest loans. The interest from these loans is used to pay the credit union’s operating expenses. After paying expenses, meeting required reserves and providing services, the credit union returns all remaining earnings to the member-owners in the form of dividends and new services.
A bank’s priority is to put money in the pockets of their investors – not their customers. Unlike banks, credit unions are not in business to make a profit. We return our profits back to you, our members.
ACCOUNTS
There are 3 ways to join:
- You can join online by filling out the Member Inquiry Form . A member services representative will contact you in 1-2 business days to complete the application process.
- You can stop by one of our branches, and we will open an account for you on the spot.
- You can give us a call at 1-877-769-4766.
Please contact us for your routing number.
Yes. There are no limits on the number of accounts you can have with the Credit Union.
To receive a PIN/Password for online banking, please give us a call at 1-877-769-4766 or stop into one of our branch offices.
If you have forgotten your online banking PIN/Password and need to reset it, click on the “Forgot Password” button on the login page, and you will be sent an email with instructions on how to reset it.
When you open your checking account, we will help you order your first set of checks.
When it is time to reorder, you can either call us at 1-877-769-4766 or stop by a branch, and we will order them for you.
If no changes to your name or address are needed when you reorder, you can visit ChecksForLess.com to reorder.
Yes. With a $100 minimum balance, you’ll earn a competitive rate on your account and have the option of choosing a Traditional, Roth or Education IRA. IRAs are insured separately, up to $250,000 per member.
Yes. Ironworkers USA Federal Credit Union is a safe place for you to save your money. Deposits are insured up to $250,000 per individual depositor by the National Credit Union Administration (NCUA), the independent agency that administers the National Credit Union Share Insurance Fund (NCUSIF). Like the FDIC’s Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government. Not one penny of insured savings has ever been lost by a member of a federally insured credit union.
Yes, and we encourage you to do so! Whether you’re traveling outside the country or just outside your home state, give us a call at 1-877-769-4766 or visit a branch and let us know your plans so we can prevent any inconvenience from a flagged transaction.
If your name changes because of a marriage, divorce or another reason, give us a call at 1-877-769-4766 or stop by a branch, and we will help you make the change. We will need a copy of the legal document showing the name change, and we will have you update your signature card that we keep on file. If you are not able to sign the signature card in person, we’ll send you the document via DocuSign, a secure website used for electronic signatures.
If you need to change your address, give us a call at 1-877-769-4766 or stop by a branch, and we will help you make the change. We will verify the address and send you a change of address form to sign via DocuSign if it’s not convenient to visit a branch.
VISA CREDIT CARDS
Members can activate their card by calling 866-762-0558
There are 2 ways to notify us if your card is lost or stolen, through the app/online banking or by calling the phone number below.
- APP/Online Banking: The fastest way to report a lost or stolen Visa Credit or Debit Card by selecting the one of the 4 options: Active, Disable, Lost* or Stolen*
*Please note if you select lost or stolen you will not be able to re-enable your card from the app if you get your card back.
2. PHONE: The lost/stolen card hotline is available 24 hours a day, seven days a week by calling 888-241-2510.
Yes. To change or update your PIN call 866-762-0558, changes are effective immediately.
Yes. There is a 4.99% APR on balance transfer for six months, on approved credit. Balance transfers must be new money from another financial institution. Give us a call at 1-877-769-4766 to get started.
VISA DEBIT CARDS
Your debit card will be ordered on the day you open your checking account. It usually takes 10 business days for the card to arrive. Actual delivery of the card depends on postal service in your area.
Members can activate their card by calling 866-762-0558
There are 2 ways to notify us if your card is lost or stolen, through the app/online banking or by calling the phone number below.
- APP/Online Banking: The fastest way to report a lost or stolen Visa Credit or Debit Card by selecting the one of the 4 options: Active, Disable, Lost* or Stolen*
*Please note if you select lost or stolen you will not be able to re-enable your card from the app if you get your card back.
2. PHONE: The lost/stolen card hotline is available 24 hours a day, seven days a week by calling 888-241-2510.
To change or update your PIN call 866-762-0558, changes are effective immediately.
DEPOSITS
You can make deposits in a number of ways: in a branch, using one of the 30,000 surcharge-free CO-OP ATMs, or using the remote mobile deposit feature in the online banking smartphone app.
Your money will be available within two business days after the deposit is made.
The only non-Ironworkers USA Federal Credit Union branch that you may make deposits at is the Register-Guard Federal Credit Union located at the Gateway Marketplace, 850 Beltline Rd., Springfield, OR 97477.
You can also use the remote mobile deposit feature on our smartphone app to make deposits 24/7.
Yes. You will need to set up direct deposit through your employer. You will need to provide your account number and the routing number for the credit union.
You can check your PTO balance anytime in your online banking account, in our mobile app or by calling 1-877-769-7783. You can access your PTO benefits anytime by calling the Credit Union at 1-877-769-4766. You must sign the appropriate PTO withdrawal form and request a check be mailed to you, or we can transfer into your Credit Union Checking or Savings Account for immediate access.
If you don’t already have a free checking account with us, it’s easy to open one. Then you’ll have even faster access to your PTO funds with an ATM Debit card.
LOCATIONS
We have four branch locations located in Portland, Seattle, Spokane, and Springfield, OR; however, we are part of the CO-OP Network which gives you surcharge-free access to 30,000 ATMs in the United States. We also offer online banking, making your accounts accessible to you 24/7 anywhere in the world.
Online banking is available 24 hours a day, 7 days a week.
Our branch hours are:
Portland
11620 NE Ainsworth Circle, Portland, OR 97220
Monday – Friday: 9 am – 5 pm,
Closed Noon – 1 pm for lunch
Seattle
4550 S 134th Place, Suite 103, Tukwila, WA 98168
Mon, Tues, Thurs, Fri: 7:30 am – 4 pm,
Weds: 9am – 4pm
Spokane
16610 E Euclid, Spokane, WA 99216
Mon – Fri. 9 am – 4 pm,
Closed 1 pm – 2 pm for lunch
Springfield
Register-Guard FCU Gateway Marketplace, 850 Beltline Rd, Springfield, OR 97477
Mon, Tues, Thurs: 9:30 am – 5 pm, Weds: 9 am – 5:30 pm
Fri: 9:30am – 5:30pm (lobby only, no drive-up)
Our branches are not open on Saturdays; however, you can use online banking 24/7 as well as visit one of the CO-OP Network’s 30,0000 surcharge-free ATMs in the United States.
As a member of a CO-OP Network credit union, your ATM card provides you with surcharge-free access to 30,000 ATMs in the United States, 117 outside the U.S. in ten countries. 7,500+ of those ATMs take deposits. ATMs at many credit unions, 7-Elevens, Circle Ks, Costcos, Publix, Dunkin’ Donuts, and Rite-Aid locations.
You can locate a CO-OP surcharge-free ATM via text message. Simply text your location, intersection or zip code to 692667 (MYCOOP). Within seconds, you’ll receive a text response with the location of the CO-OP ATM nearest the location you requested.
AUTO LOANS
We will ask for:
- Phone number and email address for applicant and co-applicant
- Current housing, employment and income information for applicant and co-applicant
- Trade-in vehicle information (title or loan information, registration, etc.), if applicable
- Finance amount expected (includes vehicle purchase price, taxes, tags, title, and warranty, less any down payment)
- Length (term) of the loan you are interested in
If you’ve already picked out the vehicle you want to purchase, we’ll also ask for:
- VIN (17-character vehicle identification number)
- The state where the vehicle will be registered
- Exact mileage of vehicle
- Dealer or seller’s name
If you are refinancing an auto loan, we will need the vehicle’s VIN, exact mileage, current lender contact information, and the payoff amount.
A down payment isn’t required; however, it may improve the loan-to-value ratio, which may help with the approval process.
Yes, but a co-applicant may be required depending on the loan amount.
Yes. We have a $25 loan application fee.
Yes. Your auto loan pre-approval is good for 60 days. This allows you to know exactly how much you can spend before you shop. To ensure you get the best price possible, it’s a good idea not to reveal the maximum amount that you are pre-approved for while negotiating with the seller or dealer.
Yes. Email notifications are sent with directions on how to electronically sign your Promissory Note.
LOANS
We offer:
- New and Used Vehicle Loans
- Recreational Vehicle Loans
- Signature Loans (No collateral needed)
- Lines of Credit
- Share or CD Secured Loans
- Mortgage Loans
- Home Equity Line of Credit (HELOC)
You may apply for a loan either online, at one of our branches, or by phone.
To apply online, click here to get started. https://www.mobicint.net/pnw/login/loanapp
To apply by phone, call us at 1-877-769-4766.
Yes. You can make a payment through your online banking account. You can also give us a call at 1-877-769-4766, and we can help you make a payment by phone.
You can set up automatic loan payments through your online banking account. You can also give us a call at 1-877-769-4766, and we can help you set them up.
Members with consumer loans are eligible to skip loan payments twice a year when payments have been on time for three consecutive months before the month skipped. Your loan term is simply extended by one month each time you skip a payment.
It’s easy to do. Just give us a call at 1-877-769-4766!
MORTGAGES
Ironworkers USA Credit Union partners with Consolidated Federal Credit Union to offer 30-year fixed-rate, VA, FHA, and first-time buyer programs.
It’s a very good idea to be pre-approved before starting your home hunt. Give our mortgage specialist a call at 1-877-769-4766, and we can provide a free loan review or get you a free loan pre-approval before starting your search.
Here’s what you’ll need:
- Your Ironworkers USA Credit Union account numbers
- Estimated value of the property
- Gross (before taxes and other deductions) monthly income
- Original purchase price and purchase date of property
- Date home was built
- Information on any liens that may be on the property
- Two most recent pay stubs
- Proof of homeowners insurance
Additional documentation may be required if you’re self-employed.
HELOC
A HELOC is a line of credit secured by your home. As with a credit card, you can borrow as needed up to an approved credit limit. A HELOC’s term includes a draw period (the time frame in which you can borrow money from the line of credit) followed by a repayment period (amount of time in which you have to pay off your loan, during which you can no longer borrow funds from your line of credit).
You have the ability to borrow money whenever you need it up to your maximum credit limit. You only pay interest on the amount that is borrowed. Unlike a traditional loan where you receive a lump sum amount and pay interest on the entire loan amount.
Here’s what you’ll need:
- Your Ironworkers USA Credit Union account numbers
- Estimated value of the property
- Gross (before taxes and other deductions) monthly income
- Original purchase price and purchase date of property
- Date home was built
- Information on any liens that may be on the property
- Two most recent pay stubs
- Proof of homeowners insurance
Additional documentation may be required if you’re self-employed.
It typically takes 30-45 days to close on a new equity loan or line of credit once we receive your completed application and necessary documentation. If an appraisal or additional documentation is needed, processing times may vary.
