Share Accounts (Savings)
Your membership account — open with as little as $5 and you’re an owner.
- $5 minimum opens it
- Dividends paid quarterly
- Required for membership
Products & Services
Everything you need from your credit union.
Savings programs that put your money to work, lending programs with fair terms, and digital tools that keep your life running — all in one member-owned cooperative here in Toledo.
At your service
Good service, the way you recognize it.
At Pacific Spruce Federal Credit Union, we know good service when we see it. And so do our members. We’re constantly striving to deliver the best financial products and services to our members — and it shows, especially when you consider our top-notch savings programs, Home Banking and more.
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Savings that grow. Share accounts, money market, club accounts and Traditional IRA.
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Lending that fits. Auto, vacation, personal, short-term and same-day options.
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Digital when you need it. Online and mobile banking keep your accounts in reach 24/7.
Savings programs
Four ways to build a safer tomorrow.
Every dollar you save here is federally insured and put to work for your neighbors through our lending programs. Pick the account that matches how you save.
Club Accounts
Save a little each pay for the trip, the season or the big family purchase.
- Holiday & vacation clubs
- Automatic deposits from payroll
- Funds on your schedule
Money Market
Higher-yield savings for the balances you want to keep working a little harder.
- Tiered dividend rates
- Liquid access when you need it
- NCUA-insured like all deposits
Traditional IRA
Save for retirement with tax-advantaged contributions in a federally insured account.
- Tax-deferred growth
- Annual contribution limits apply
- Guidance from local staff
Lending programs
Fair loans for the road, the trip, the emergency.
Every loan is reviewed locally by a real person. From a new truck to a short-term cash advance, we’ll help you pick the right borrowing option for your situation.
Payday loans in Toledo
A quick, safe option for emergency needs when unexpected costs exceed savings — no paperwork, no long waits. See Online Same day Payday loans in Toledo for details.
Learn more
New & Used Auto Loans
Financing up to 100% of new-vehicle sales price and 90% of NADA retail for used.
- Flexible terms up to 72 months
- Pre-approval before you shop
- No prepayment penalty
Vacation Loans
Seasonal promo rates when the coast calls louder than the calendar.
- Fixed-rate, fixed-term
- Funded before you pack
- Same fair terms, smaller ask
Personal Loans
Unsecured signature loans for whatever life doesn’t schedule.
- No collateral required
- Fixed rate, fixed term
- Local review, quick answer
Short Term Loans
Small, short-duration borrowing for the gap between now and payday.
- Plain-English terms
- Local underwriting
- Honest conversation first
Not-for-profit
Not-for-profit means profit for you.
Every penny that comes in to the credit union is put right back into better services, more products, improved rates and minimized fees. After all, it’s your credit union — you shouldn’t expect anything less. If you have any questions about our services, be sure to stop by or call. We’ll be ready to share our financial expertise when you do.
Not a member yet?
Stop by A Street today and sign up.
If you work for any of our sponsor companies — or you’re a family member of someone who is — you’re already eligible. All it takes is a $5 opening deposit and about ten minutes.