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
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
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.
Savings programs
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.
Your membership account — open with as little as $5 and you’re an owner.
Save a little each pay for the trip, the season or the big family purchase.
Higher-yield savings for the balances you want to keep working a little harder.
Save for retirement with tax-advantaged contributions in a federally insured account.
Lending programs
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.
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
Financing up to 100% of new-vehicle sales price and 90% of NADA retail for used.
Seasonal promo rates when the coast calls louder than the calendar.
Unsecured signature loans for whatever life doesn’t schedule.
Small, short-duration borrowing for the gap between now and payday.
Not-for-profit
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?
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.