Loans

Education, our passion. Giving back, our promise.

Partner with us. Invest in you.

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Getting ready to make some home improvements? Is it time for a new car? Or just need to consolidate debt? We have a variety of flexible loans for you. Get the money you need with terms that fit your life.

How can we help you?

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Home Loans

Thinking about purchasing or refinancing? Wherever you are in life, we can lend a helping hand. We also have Home Buying Resources to get you welcomed to the neighborhood faster.

Home Equity Mortgage Loan
NMLS Registry

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Auto Loans

If you’re looking for a set of wheels, look no further. We not only offer low-rate auto loans, but we’ve also partnered with the Costco Auto Program and Enterprise Car Sales to get you the vehicle you want.

Learn more

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Recreational Loans

Ready for adventure? We can help you save thousands on loans for boats, campers, motorcycles, ATVs, and other RVs. Preapproval is fast and easy.

Learn more

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Personal Loans

These loans can cover a variety of your needs from dream vacations to major purchases. We offer a Member First Loan and a Savings-Secured Loan to give you the flexibility you need with your finances.

Member First Savings-Secured

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Credit Card

Whether you need a card for everyday purchases, cash advances, or balance transfers, we have a credit card for you. Take your purchasing power to the next level with no annual fees and competitive rates.

Rewards Credit CardVisa Platinum Card

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24/7 Concierge Service

Wherever your travels take you, this complimentary service can help plan your trip, book dinner reservations, and find sports or entertainment tickets.

Learn more: visasignatureconcierge.com

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Cardholder Inquiry Service

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.

Payment Protection

Use your card to make purchases anywhere. With EMV Chip security, you’re protected from unauthorized use of your card or account information. Learn more here.

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Travel & Emergency Assistance

In the event of an emergency, you can get connected to local emergency and assistance resources available when you are away from home.

Warranty Manager Service

Provides you with valuable features to help manage, use, and even extend the warranties of eligible items purchased with your card. You can access these features with a simple toll-free call. Services include Warranty Registration and Extended Warranty Protection.

Cell Phone Protection

Cardholders will be reimbursed for damage to or theft of an eligible Cellular Wireless Telephone.

Card Personalization

Create a card that is uniquely you for only $10. Choose your favorite photo or select from a gallery of pre-designed images. Crop, rotate, or flip your photo selection for the desired look.

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New Users

Brand new user or a joint account holder logging in for the first time? Follow this link to register for a new digital banking username and to log in for the first time.

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Inspirus members have the ability to pay off a loan at any time with absolutely no repayment penalty or fee.

Digital & Mobile Banking

Use your desktop or web-enabled smartphone for an easy and more secure way to do all your banking through our Digital Banking Platform. For even more convenience, download our mobile app for access to your accounts anytime, anywhere.

For mobile banking:

  • Login credentials match your current Digital Banking credentials.
  • iPhone App is compatible with iPhone, iPod Touch, and iPad. Requires iOS 4.0 or later.
  • Android App requires Android 2.0 and up.

Easily download the following apps, then set up mobile banking.

Learn More

Visit our FAQs.

Elements of Money Program

A financial program that provides a full suite of resources to help shape your teen or tween into a financially-savvy adult. All products are co-signed by parents or guardians, allowing you to pick the exact combination that’s right for your child’s maturity and individual needs.

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Verified by Visa

Inspirus members are automatically enrolled. When making an online purchase from a participating merchant, you’ll be asked to activate Verified by Visa for your Inspirus Visa debit card. Simply verify your identity and create a unique password that you’ll use to make secure transactions. That’s it!

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Travel accident and baggage delay insurance

Use your Platinum Card the next time you travel and you and your family will be automatically insured. That means less worrying about lost luggage and more peace of mind should an untimely accident occur.

Description of Coverage

Traveling? Don’t forget to notify us! 1-866-820-4927

Auto Rental Collision

Receive coverage for automobile rentals made with your Visa card. This benefit provides reimbursement (subject to terms and conditions) for damage due to collision or theft.

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Inspirus mortgage professionals are a part of the Nationwide Multistate Licensing System & Registry & Registry (NMLS) which promotes uniformity and transparency throughout the real estate industry. Each mortgage professional is identified by their individual NMLS number in the Registry System. You can use the NMLS® Consumer Access℠ to verify a mortgage professional’s legitimacy.

Inspirus Mortgage Loan Officers

Opening an account shouldn’t cost an arm and a leg, and it won’t at Inspirus!

Here is the breakdown

InspirusCU-giveback-PieChart

Public Schools - K to 12

$341,277.30

Communities Supporting Schools & Education

$108,280.79

College Partnerships

$63,920.00

Associations for Education Administration

$95,100.00

University Partnerships

$43,041.86

Total Giveback for 2018

$651,619.95

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Email is an unsecure method of communication. Sensitive information such as account numbers, passwords, and social security numbers should be omitted from email messages. If you’re a member and would like to send a secure, encrypted email, please log into Online Banking, select Support, and click on Secure Email.

Proceed to Email

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Skip-A-Payment

Feeling the pinch this month and could use a little extra cash? Skip-a-Payment lets you defer your monthly payment on eligible Inspirus Credit Union loans without affecting your credit rating. We’ll simply add the payment to the end of your loan term, so a 60-month loan becomes a 61-month loan.

Loans eligible for Skip-A-Payment include:

  • Vehicle Loans (including boat, RV, motorcycles, and other vehicle types)
  • Personal Loans (excluding Visa credit cards)

Specifics:

    • Loans must be opened for at least six months before a skip will be granted
    • To see if you qualify, call us at 888-628-4010 or send us a secure message through the Message Center in our Digital Banking Platform
    • Up to two payments per loan may be skipped within any 12 month period – allowing at least 90 days between each skipped payment
    • A fee of $20 will be collected for each Skip-A-Payment

Learn More

Visit our FAQs to learn more

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ACH DIRECT TRANSFER AUTHORIZATION FORM

Have funds transferred each month automatically from accounts at other institutions through ACH Direct Transfer, and get the same benefits as those with Direct Deposit or Payroll Deduction. You can submit this form electronically via Digital Banking Platform, under the “Additional Services” tab.

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AUTHORIZATION FOR DIRECT DEPOSIT OF RETIREMENT FUNDS

This form comes directly from the Washington State Department of Retirement Systems (DRS) and allows them to forward all retirement benefit payments to the financial institution you authorize. Routing number: 325082266

Download
VISA® CREDIT CARD AUTOPAY AUTHORIZATION

Your credit card payments can be automatically deducted from your credit union savings or checking account. Pay the minimum due, the entire balance, or a set amount.

Download
PAYROLL DEPOSITS FOR SCHOOL EMPLOYEES

Have a portion of your paycheck deposited automatically – for as little, or as much, as you want.

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Email is an unsecure method of communication. Sensitive information such as account numbers, passwords, and social security numbers should be omitted from email messages. If you’re a member and would like to send a secure, encrypted email, please log into Online Banking, select Support, and click on Secure Email.

Proceed to Email

Easily pay one-time or reoccurring bills through our Digital Banking Platform. Once you sign up, you can schedule payments in advance to all service providers, all on one screen. It’s free and doesn’t require postage, so you save money.

Your guide to Bill Pay

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Helpful Links

Use the links below as helpful resources on your path to regain your financial footing.

Move Money

Make money transfer in the Digital Banking Platform by clicking on the Transfers widget. There you will be able to make quick, one-time transfers or schedule recurring transfers like loan payments. It’s simple:

  • Select the account you wish to transfer money from
  • Choose the amount you would like to transfer
  • Select the account where you’d like the money to go

You can also send money in real time using the PayDough widget. All you need is a valid email address or mobile phone number.

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No annual fees

Stop paying to use your own card. Get peace of mind with a credit card that won’t charge you an annual fee to use it.