Our Services


Savings Accounts

The Credit Union offers a variety of savings accounts all earning competitive interest with a qualifying balance.

Share Savings

At the Credit Union, your savings account is called a Share Account because it makes you an owner of our financial cooperative. This is your main account number and we can access all of your other accounts with it. With Union Wallowa Baker Federal Credit Union, your money earns a competitive dividend which is calculated on the average daily balance and credited to your account quarterly. All Share accounts are insured up to $250,000 by NCUA, A U.S. Government Agency.

Term Share Certificate Accounts (CD's)

When you want to earn more interest over a longer period of time, you can open a Term Share Certificate Account. Choose from 3, 6, 12, and 24 month terms; the programs have low minimum balance requirements and earn dividends based on the length of your investment term. Penalties may be charged for early withdrawals on your Credit Union CD.

Individual Retirement Accounts (IRA's)


IRA's from Union Wallowa Baker Federal Credit Union may allow you to reduce the income tax you pay now and provide you with a more comfortable retirement. The fixed rate of return is determined by our Board of Directors. You can contribute to your traditional IRA programs through payroll deduction, in a lump sum or by purchasing an IRA Certificate of Deposit.


Checking Accounts

All deposits in the Credit Union are insured up to $250,000 by the National Credit Union Administration, a U.S. Government Agency.

Credit Union Share Draft (Checking) Account

High convenience and low cost are just two of the reasons to open a share draft (checking) account at Union Wallowa Baker Federal Credit Union. Cost saving features includes:

Your monthly statement lists every transaction you've made and is presented in an easy to understand format. Our Draft (Checking) account can even be setup with an automatic overdraft protection transfer which authorizes the Credit Union to transfer funds from your share account (under the same account number) to pay for drafts being presented.

Other Checking Account Holder Benefits:

Co-op Debit Card

Our CO-OP Debit Card works like a credit card, but all transactions come from your checking account and are highlighted on your monthly statement. Our Co-op Debit Card is accepted at over 13 million merchants worldwide, wherever you see the MasterCard symbol. Co-op Debit Card has no annual fee and charges no fee when it is used like a check. And, it has no finance charges since funds are taken directly from your checking account. It can even save you money as you will find yourself re-ordering checks less often. Your Co-op Debit Card can double as an ATM card as well. It can be used nationwide at any ATM with the Co-op or Cirrus logo. Please note, your first 3 ATM transactions are free each month, and the Co-op Debit Card is subject to credit approval.


Loan Products

When you have a need to borrow money, come to Union Wallowa Baker FCU. Our goal is to provide you with an affordable loan--fast!

Union Wallowa Baker FCU can finance just about anything you need quickly and easily. Plus, our competitive rates can really save you money!

Automobiles (New or Used)


We Finance all types of vehicles at very competitive rates. We can even pre-approve your loan which gives you more bargaining power with the dealer.

Boats or Recreational Vehicles

If travel and outdoor fun are part of your life, we can help with the financing of recreational vehicles. RV's include motorcycles, snowmobiles, jet skis, and four wheelers.

Home Equity Loans


This is fast becoming one of the most popular type of credit union loans. You can use up to 80% of the equity in your home to fund a remodeling project, a college education, a vacation, or any other type of purchase. We offer repayment terms of up to 15 years and the interest you pay on the loans may be tax deductible. (Consult your tax advisor about the deductibility in your situation.)

Line of Credit Loans


We've designed our Line of Credit Loan with you in mind. This signature loan allows you to borrow against a pre-approved line. Once your initial Line of Credit is approved, advances can be completed in less than 5 minutes, It's simple and convenient and works great in consolidating debts into a single payment.


Credit Cards

Union Wallowa Baker FCU has partnered with Fidelity MasterCard to offer you a card that you can count on with a low fixed rate.  And, Fidelity MasterCard has online access to view your account history.


Online Bill Pay

The average person spends two hours a month paying bills…..writing checks, addressing envelopes, finding stamps, mailing.  You can pay your bills in minutes with our FREE Online Bill Pay service and give yourself more time to do what you want.

Our online Bill Pay is safe and secure and enrolling is simple. Log in to HFS and click on Bill Pay to enroll. (You must be enrolled and have access to HFS in order to use Bill Pay.)  Once your application has been approved, you will receive an email notification that you are ready to pay bills! It’s that easy.