At a glance
From its website, read 2 Nov 2026Cutting Edge Federal Credit Union is a credit union based in Milwaukie, Oregon. Its website describes credit-builder loans, small-dollar emergency loans, home repair loans and 2 other loan types. Where it lends: Lewiston/Clarkston Valley area. Consumer loan APRs stated on its site range from 7.5% to 18%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (866) 653-4392 source |
|---|---|
| Phone | (888) 794-0052 source |
| services@cuttingedgefcu.org source | |
| Apply online | Page with the application link |
| Website | www.cuttingedgefcu.org |
| Office (official list) | 4620 SE International Way Ste. 105, Milwaukie, OR 97222 |
What their website says about applying
Call or come by the branch today!
sourceBegin your application easily online by clicking the button below.
sourceContact a Member Advocate Specialist today to learn more.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 7.5% APR | With rates as low as 7.50% APR* | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 3.99 to 15.99% | source |
| Auto / vehicle loans | Rate stated, not as an APR: see their wording | 3.99 to 16.24% | source |
| Small-dollar / emergency loans | Rate: 18% APR | One fixed interest rate for every borrower – 18% APR* | source |
| Personal / consumer loans | Rate stated, not as an APR: see their wording | 10.99 to 18.00% | source |
| Personal / consumer loans | Rate: from 10.99% APR | With rates as low as 10.99% APR*, a personal loan can finance your big ideas | source |
| Auto / vehicle loans | Term: see their wording | Up to 84 Months | source |
| Credit-builder loans | Term: see their wording | term that’s right for you, up to 12 months. | source |
| Small-dollar / emergency loans | Term: up to 12 mo | Borrow up to $2000 for up to 12 months | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
we offer auto financing solutions for all types of credit situations
source - Collateral flexible or not always required
a personal loan can finance your big ideas with no collateral needed.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 Jun 2026 |
| RSSD ID | 466987 |
| Address | 4620 SE International Way Ste. 105, Milwaukie, OR 97222 Directions (Google Maps) |
| Website | www.cuttingedgefcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Most loan products show rates only, and home loan amounts and auto loan amounts are not stated. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Credit-builder loans | — | Build or repair your credit with built-in savings. | source |
| Small-dollar / emergency loans | up to $2,000 | Borrow up to $2000 for up to 12 months | source |
| Home repair / improvement loans | — | Whether you need to make repairs or want to upgrade your home, we have the financing to help make that possible! | source |
| Home mortgages | — | Whether you’re looking to buy your first home, refinance your existing mortgage | source |
| Personal / consumer loans | — | With rates as low as 10.99% APR*, a personal loan can finance your big ideas with no collateral needed. | source |
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.7 million in 4 awards from the U.S. Treasury's CDFI Fund, 2018–2022 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Financial Assistance | $600,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CUTTING EDGE (charter 8317). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $53.1 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,873 (as of 30 Jun 2026) |
| Offices | 1 (as of 30 Jun 2026) |
Offices by state and county (1)
Oregon (1 office)
- Clackamas County (1): 4620 SE International Way Ste 105, Milwaukie 97222 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Cutting Edge Federal Credit Union (NCUA charter 8317, filed as “CUTTING EDGE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $19.3 million, 2,087 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 2.6% from $19.8 million on 30 Jun 2025 |
| Members | 3,873 (as of 30 Jun 2026); 3,833 (as of 30 Jun 2025) |
| Loans per member | $4,983 (total loans divided by members, 30 Jun 2026) |
| Total assets | $53.1 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2.7 million | 13.9% |
| Used vehicle loans | $6 million | 31.2% |
| First-lien home mortgages (1-4 family) | $3.6 million | 18.6% |
| Other real estate loans (junior liens, other) | $2.5 million | 12.8% |
| Credit cards | $1 million | 5.4% |
| Other unsecured loans | $1.3 million | 6.8% |
| Leases and other secured loans | $2.2 million | 11.4% |
None reported on the 30 Jun 2026 report: commercial (business) loans.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $53.1 million | Larger than 0% of the 7 other certified credit unions in Oregon (median $617.6 million). |
| Loans as a share of assets | 36% | Median of the same 7 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $19.8 million → $19.3 million (-3%) | Median change of 7 other certified credit unions in Oregon: +8%. Rank by loans held among these 8: 8 → 8. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Oregon | 7 | larger than 0% |
| Loans held then vs now | certified credit unions in Oregon reporting both dates | 7 | rank 8 → 8 of 8 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Personal / consumer loans (this lender states from 10.99%): Point West Credit Union from 9.25% (9 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Milwaukie and Oregon
- Central Willamette Credit UnionCredit union · Albany, ORAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgages…Verified
- Community Housing FundLoan fund · Beaverton, ORAffordable housing development loans, Nonprofit / community facility loansVerified
- Community LendingWorksLoan fund · Springfield, ORAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
- Community and Shelter Assistance CorporationLoan fund · Sherwood, ORAffordable housing development loansVerified
- Consolidated Federal Credit UnionCredit union · Portland, ORAuto / vehicle loans, Home mortgages, Small-business loansVerified
- Craft3Loan fund · Portland, ORCommercial real estate loans, Equipment loans, Home repair / improvement loans, Small-business loansVerified
Work at Cutting Edge Federal Credit Union? Link to this page
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