Pacific Spruce


P.o. Box 178
Toledo, OR 97391
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.67% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Pacific Spruce is an NCUA insured institution located in Toledo, OR. It was founded in 1960 and has approximately $3.19 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 13494
Date Established 1960
Assets $3.19 million
Loans $1.27 million
Deposits $3.01 million
Capital $0.16 million

Deposit Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Pacific Spruce

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Loan Rates - April 15, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for PACIFIC SPRUCE

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
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AmeriSave Mortgage Corporation
NMLS ID: 1168
2.685% 2.625% 0.75 $1,975 $1,005 Learn More
Rocket Mortgage
NMLS ID: 3030
3.368% 3.250% 1.00 $3,750 $1,089 Learn More
Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,720 $1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
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0.000 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Pacific Spruce branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Pacific Spruce Locations

Financial Details

Pacific Spruce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Pacific Spruce. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Pacific Spruce U.S. Average
16.15% 5.40

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2020, Pacific Spruce had $19,551 in non-current loans and $9,567 in owned assets. To cover these potential losses it had $164,270 in net worth and $16,045 in loans loss reserves. That gives it a Texas Ratio of 16.15%.

Net Worth
Pacific Spruce U.S. Average
5.15% 12.67%

Pacific Spruce FCU has a net worth of 5.15% versus the BestCashCow average of 12.67. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Pacific Spruce

Branches and Savings

What is Pacific Spruce?

A federal credit union, registered with the NCUA under certificate #13494.
Learn more about credit unions here.

Is Pacific Spruce FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Pacific Spruce is insured by the NCUA.

Who can join Pacific Spruce?

Please see Field of Membership information above for information on who is eligible to join.

What are Pacific Spruce's share account and share certificate rates?

Pacific Spruce's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Pacific Spruce?

Pacific Spruce has total capital of $0.16 million. Full information on Pacific Spruce's financial position is located above.

Who owns Pacific Spruce?

Credit Unions are owned by their members.

Where are Pacific Spruce branches located?

See branch locations nearby.

Are Pacific Spruce ATMs Open 24/7?

Do Pacific Spruce ATMs accept cash deposits?

Can Pacific Spruce customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Pacific Spruce have a mobile app?

Does Pacific Spruce have mobile deposit?

Does Pacific Spruce have quick pay?

How can Pacific Spruce transfer money to other banks or credit unions?

Does Pacific Spruce report to credit bureaus?

Does Pacific Spruce use Chexsystems?

Does Pacific Spruce use Equifax?

What is Pacific Spruce's toll free phone number?

What is Pacific Spruce's ACH Routing Number?

What is Pacific Spruce's SWIFT code?

Where can I find Pacific Spruce's wire transfer form?

What is the Pacific Spruce address for deposits?

What Products Does Pacific Spruce Offer

Does Pacific Spruce offer mortgages?

Compare mortgage rates here.

Does Pacific Spruce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Pacific Spruce offer auto and RV loans?

Compare auto loan rates here.

Does Pacific Spruce offer student loans or personal loans?

Compare personal loan rates here.

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