Free Checking
No monthly service fee, no minimum balance, and access to 30,000+ surcharge-free ATMs nationwide.
- Free Visa® debit card
- Mobile deposit & bill pay
- Early direct deposit
Serving the Oregon Coast since 1959
Banking built by neighbors, for neighbors.
Your money stays local — funding home loans, small businesses and families right here on the Central Coast.
Welcome
Welcome to Pacific Spruce Federal Credit Union!
We are here to help our community members find safe financial operations and have their backs under any circumstances. We come from the same place as you — we live here too, shop in the same stores, drive the same stretch of road — that’s why we understand your needs exactly!
On our website, you can find the most suitable loans for you, with the interests you deserve. We know that you expect high-quality service from your local credit union, and we are here to give it to you! Even if you do not find the product you were looking for on our website, you will surely find our recommendations regarding the best providers of the service you search!
The main goal we strive for is to make your financial options limitless. Our products and collaborations get us one step closer to our dream every day!
Popular Services
How can we help today?
Accounts & Services
Simple products. Fair terms.
No surprise fees.
Every product is designed around one question: is this fair to our members? Nothing fancy — just honest banking from a team that lives where you live.
Savings & Certificates
Build an emergency fund or lock in a higher rate with a share certificate. Every account is federally insured.
- Regular savings — $5 opens it
- Money market with tiered APY
- Certificates from 6 to 60 months
Auto & Personal Loans
Local underwriting, quick decisions, and no prepayment penalties. Rates as low as 5.74% APR* on new autos.
- New & used auto loans
- RV, boat & motorcycle
- Unsecured personal loans
Home Loans
Work with a local lending team that knows Lincoln County real estate. Purchase, refinance and home equity.
- Fixed-rate mortgages
- Home equity lines of credit
- First-time buyer guidance
Today’s Rates
Competitive rates. Plain-English disclosures.
Regular Savings
0.25% APY
No minimum balance
13-Month Certificate
4.25% APY
$500 minimum deposit
Money Market
3.10% APY
Tiered, $2,500+
New Auto Loan
5.74% APR
Up to 60 months
Home Equity Line
7.25% APR
Variable, prime-based
Visa® Credit Card
11.50% APR
No annual fee
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates accurate as of today and subject to change without notice. Loan rates reflect a credit-qualified borrower; your rate may vary. Contact a member service representative for full terms.
Why Pacific Spruce
Profits don’t leave the Coast.
We were chartered in 1959 by a handful of Toledo millworkers who wanted a fair place to save and borrow. Today, the people who bank with us are the people who own us — every dollar of earnings comes back as better rates, lower fees and support for our neighbors in Lincoln County.
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Local decisions. Loan applications are reviewed right here in Toledo — not in a corporate call center.
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Member-owned. There are no outside shareholders. You are the shareholder.
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Community first. We sponsor local schools, the food share, and the Lincoln County Fair every year.
Member Stories
Trusted by the people we live next to.
“I walked in without an appointment and walked out pre-approved for my first home loan. Tasha knew the Newport market better than any big-bank loan officer I’d talked to.”
“I run a fishing charter out of Depoe Bay. My equipment loan got approved in two days — no hoops, no out-of-state underwriter. They just asked good questions.”
“We’ve banked here for three generations. My grandfather opened an account when the credit union fit in a single room. Still the same feel — they just know you.”
Digital Banking
The branch in your pocket.
Check balances, deposit checks, pay bills, transfer between accounts, and freeze a lost card — all from the Pacific Spruce mobile app. Enrollment takes about two minutes.
- Mobile check deposit
- Bill pay & external transfers
- Card controls & alerts
- Secure messaging with our staff
Visit Us
Stop by the branch in Toledo.
Toledo Branch
Open today
727 NW A Street
Toledo, Oregon 97391
- Monday – Thursday
- 10:00 AM – 5:00 PM
- Friday
- 9:00 AM – 5:00 PM
- Saturday & Sunday
- Closed
(541) 336-1007
Get in touch
Questions about a product, a loan application, or your account? Send us a message and a member of our team will reply within one business day.
Email the credit unionFor 24/7 card support or to report a lost or stolen debit card, call (800) 523-9078.
Trusted Partners
Our trusted matching services
Over the years, we have partnered with numerous trusted matching services to get you the safest financial products that we, ourselves, cannot provide to you. For instance, in collaboration with 1F Cash Advance, we have managed to bring our community members a variety of online cash advances loans, such as payday loans in Toledo, instant loans, one hour cash advance, fast money loans, cash loans with no credit check. See the full available loans types here.
Join Pacific Spruce
Become a member in about 10 minutes.
If you live, work, worship or attend school in Lincoln County, Oregon, you’re eligible to join. Open a membership savings account with just $5 and you’re in.