At a glance
From its website, read 2 Nov 2026Peninsula Community Federal Credit Union is a credit union based in Shelton, Washington. Its website describes auto loans, home mortgages and personal loans. Stated loan amounts run from $250 to $25,000. Where it lends: Kitsap, Mason, Jefferson, Clallam and Grays Harbor counties in Washington, plus family members of members. It says it considers borrowers with low or no credit history. You can start an application online. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (360) 426-1601 source |
|---|---|
| Toll-free | (800) 426-1601 source |
| Apply online | Page with the application link |
| Website | www.pcfcu.org |
| Office (official list) | 521 W Railroad Avenue, Shelton, WA 98584 |
What their website says about applying
It’s easy, you can apply online, on the phone or in person.
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 |
|---|---|---|---|
| Auto / vehicle loans | Term: see their wording | We loan up to 84 months, but the loan amount has to be at least $25,000. | source |
| Personal / consumer loans | Term: see their wording | Fixed terms from 6-60 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
Our L.I.F.T and Renew auto loans are specifically designed for members with challenged credit.
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) | 7 Apr 2014 |
| RSSD ID | 949471 |
| Address | 521 W Railroad Avenue, Shelton, WA 98584 Directions (Google Maps) |
| Website | www.pcfcu.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. Business, equipment and credit-builder loan pages were not among the pages fetched; the Share Secured Visa is a credit card, not a loan. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | from $25,000 | We loan up to 84 months, but the loan amount has to be at least $25,000. | source |
| Home mortgages | — | Buying a home has never been easier. We’ve streamlined and updated the entire mortgage process | source |
| Personal / consumer loans | $500 – $25,000 | $500-$25,000 | source |
Loan sizes
We loan up to 84 months, but the loan amount has to be at least $25,000.
source$500-$25,000
source$250-$25,000
source
Range used for the size filter: $250 to $25,000
Service area
Kitsap, Mason, Jefferson, Clallam and Grays Harbor counties in Washington, plus family members of members
Our home loans are available to everyone who lives, works, worships, or attends school in Kitsap, Mason, Jefferson, Clallam, or Grays Harbor counties in Washington State
source
Counties this matches: Clallam County, WA, Grays Harbor County, WA, Jefferson County, WA, Kitsap County, WA, Mason County, WA
Borrower focus
- Not stated on the pages we read.
Languages
- Spanish
Nuestros préstamos para automóviles están disponibles para todos los que viven, trabajan, practican un culto o asisten a la escuela
source
Online application
Yes — the site links to an application. APPLY ONLINE
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 is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - 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$4.7 million in 3 awards from the U.S. Treasury's CDFI Fund, 2015–2021 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $900,000 |
| 2015 | CDFI Program, Financial Assistance | $2,000,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $4.9 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
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 PENINSULA COMMUNITY (charter 665). 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 | $304.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 21,498 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Washington (5 offices)
- Jefferson County (1): 1250 W Sims Way, Port Townsend 98368
- Kitsap County (2): 1081 Bethel Ave, Port Orchard 98366; 21505 Market Pl NW Ste 109, Poulsbo 98370
- Mason County (2): 521 W Railroad Ave, Shelton 98584 (main office); 23550 NE State Route 3, Belfair 98528
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 Peninsula Community Federal Credit Union (NCUA charter 665, filed as “PENINSULA COMMUNITY”). 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 | $203.8 million, 13,670 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 1.0% from $205.9 million on 30 Jun 2025 |
| Members | 21,498 (as of 30 Jun 2026); 21,792 (as of 30 Jun 2025) |
| Loans per member | $9,480 (total loans divided by members, 30 Jun 2026) |
| Total assets | $304.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $20.6 million | 10.1% |
| Used vehicle loans | $71.8 million | 35.3% |
| First-lien home mortgages (1-4 family) | $44 million | 21.6% |
| Other real estate loans (junior liens, other) | $27.7 million | 13.6% |
| Commercial (business) loans | $3.7 million | 1.8% |
| Credit cards | $6.9 million | 3.4% |
| Other unsecured loans | $12.7 million | 6.2% |
| Leases and other secured loans | $16.2 million | 8.0% |
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.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Peninsula Community Federal Credit Union reported 31 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $3.1M (median loan about $65,000). 3 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 3 | 10% |
| Other purpose | 26 | 84% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 31 | 100% |
Included above: 4 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 6 counties with at least one; 100% of its 2025 loans were for properties in Washington:
- Mason County, WA (15)
- Kitsap County, WA (10)
Filed under LEI 549300TEBV514KLDE180 as “Peninsula Community Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $25,000 | Other credit unions whose website states a maximum: median $62,500. Higher than the stated maximum of 6% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $304.2 million | Larger than 25% of the 8 other certified credit unions in Washington (median $731.5 million). |
| Loans as a share of assets | 67% | Median of the same 8 credit unions: 79%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $205.9 million → $203.8 million (-1%) | Median change of 8 other certified credit unions in Washington: +7%. Rank by loans held among these 9: 6 → 6. |
| Home loans originated in 2025 (HMDA) | 31 | More than 12% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 6% |
| Call Report total assets | other certified credit unions in Washington | 8 | larger than 25% |
| Loans held then vs now | certified credit unions in Washington reporting both dates | 8 | rank 6 → 6 of 9 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 12% |
“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.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Shelton and Washington
- Canopy Federal Credit UnionCredit union · Spokane, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- Chehalis Tribal Loan FundLoan fund · Oakville, WA · Native CDFIAuto / vehicle loans, Credit-builder loans, Equipment loans, Home repair / improvement loans…Verified
- Denkyem SPCLoan fund · Renton, WAVerified
- Express Credit UnionCredit union · Seattle, WAPersonal / consumer loansVerified
- Great NorthWest Federal Credit UnionCredit union · Aberdeen, WAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- Harborstone Credit UnionCredit union · Lakewood, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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