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CALCOE Federal Credit Union

A Yakima Valley Credit Union

  • Loans
    • Home Loan
    • Auto
    • Credit Builder
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Credit Builder

If debt or credit challenges have prevented you from financing a vehicle, we want to help by providing access to affordable loans for your vehicle with our Credit Builder Auto Loans. If you have your loan at another institution, we can look at refinancing the loan which may lower the interest rate.

Details:

  • Terms up to 72 months

Benefits:

  • We work with area dealers for your convenience. Just ask for your financing through CALCOE and then if you have any questions, we’re just down the street.
  • Each loan is reviewed individually by local staff

Personalize Your Credit Builder Loan:

  • Automatic payments – never worry about a late payment
  • Choose GAP, MBP and/or Debt Protection to protect your vehicle and loan
  • Convenient account access through mobile app and Online Banking

RATES   APPLY   MAKE AN APPOINTMENT

 

To start the application process, here are some of the items you’ll need:

  • Proof of current employment
  • Valid photo ID
  • No prior membership is required

 

Payment Options

Auto Pay
Have your monthly payment taken directly from your checking or savings account, on the day you choose
Free
Online
Transfer your payment from your CALCOE savings or checking account to your loan through Online Banking or our mobile app
Free
Debit Card
Make your one time payment or set up a recurring payment with a debit card up to $1,500 Click Here
$11.50
Mail
Send your check to: 1209 N 16th Ave, Yakima, WA 98902
Free
Visit a branch locationFree
Drop in our Night Deposit BoxFree

 

Which Local Vehicle Dealers Does CALCOE Work With?

You can apply for your vehicle loan with CALCOE by simply letting the dealer know you choose CALCOE for your financing.

Dealer NameStreet AddressCityPhone
A.C. Auto Sales8 E. Valley Mall Blvd.Union Gap509-248-3800
AR1 Auto Sales3501 Main St.Union Gap509-452-1199
Auto Max USA1701 S 1st StYakima509-453-9399
Bill Harris Used Cars Inc.608 S 1st StSelah509-697-7006
Harvest Honda1700 E Yakima AveYakima509-575-1090
Harvest Chevrolet1600 E Yakima AveYakima509-248-7600
Brian Harris Used Cars622 S 1st StSelah509-697-9119
Carey Motors3204 Fruitvale BlvdYakima509-248-1500
C. Speck Motors61 E Allen RdSunnyside509-837-5501
Dean Russell's Truck Town4211 Main StUnion Gap509-469-6767
Lee Peterson Motors410 S 1st StYakima509-575-6372
McKenna Motors3414 Main StUnion Gap509-248-3839
Owens Cycle Inc1707 N 1st StYakima509-575-1916
Phil’s Auto Sales3902 Main StUnion Gap509-452-0952
Speck Chrysler Dodge Jeep501 Stover RdGrandview509-260-8662
Steve Hahn’s VW Audi Suzuki1730 S 1st StYakima509-248-4700
Stewart Subaru506 Fruitvale BlvdYakima509-248-5494
Toyota of Yakima2230 Longfibre AveYakima509-575-4868
Trucks Plus USA Inc3500 Main StUnion Gap509-225-4045
Valley Ford Nissan910 S 1st StYakima509-453-3125

GAP Warranty

In the event of a total loss on your vehicle, GAP protects the “gap” between the vehicle’s value and the amount you still owe on the loan. GAP Protection covers the following:

  • Remaining loan balance after insurance settlement if the vehicle was totaled or stolen
  • Up to $1,000 of your deductible as part of the deficiency balance
  • $1,000 credit toward the purchase of a replacement vehicle when financed through CALCOE
  • Auto Deductible Reimbursement is an added benefit. If you file a claim, Auto Deductible Reimbursement will pay your deductible up to $500, limit of two per year; available for three years

INSTANT QUOTE  CONNECT WITH A LOAN OFFICER

 

Mechanical Breakdown Protection

Mechanical Breakdown Protection can help ensure that the investment in your vehicle is protected, and reduces the possibility of out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure. Most important of all, Mechanical Breakdown Protection provides peace of mind so you can experience worry-free driving!

INSTANT QUOTE  CONNECT WITH A LOAN OFFICER

 

Debt Protection

Unexpected life events can happen without notice. You can help yourself and your loved ones through death, disability, unemployment and more by being prepared for the financial changes that come along with these difficult situations. Debt Protection will cover your loan payment or possibly forgive your loan depending on the type of event.

INSTANT QUOTE  CONNECT WITH A LOAN OFFICER

 

Disclosures

Interest Rate – Rates are subject to change without notice. APR is based on the amount you finance, the term (length) of your contract and our evaluation of your credit history. A $10,000.00 loan, at a 5-year term, 5.20% interest rate and 5.61% APR would be repayable in 60 monthly payments of $191.53 each. Credit Approval – All accounts subject to credit approval. License fee – Borrower is responsible for any tax and licensing fees. Late payment fee – Minimum of $30 and maximum of $45 on any minimum payment not paid within 10 days after due date. Minimum monthly payments – Minimum monthly payment of principal and interest amortized for term of loan with minimum amount due of $45.

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Hours of Operation

Yakima Branch
Monday – Friday: 9:00am – 5:30pm

Moxee Branch
Monday – Friday: 9:00am – 5:30pm

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Connect with Us

Routing Number: 325183725

Phone: 509.248.4308
Text Banking: 46247
CARe Line: 866.908.4308

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Disclosures

  • Online Banking Agreement
  • Rate & Fee Schedule
  • Privacy Disclosure

CALCOE is CDFI Certified

ncua equal housing

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

Calcoe Federal Credit Union is an equal housing lender.


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