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Like a real family

We're here for you

Just like a real family member, we’re here to support and assist you, even if it’s outside our normal business hours. We offer a 24-hour Card Care Center, so you can reach us day or night about your Debit or Credit Cards. For simple transactions and service information, we have after hours, weekend, and holiday call hours. Additionally, we offer a live online chat during business hours for assistance with product and service questions. These are just a few of the ways we offer banking made easy before and after we open!

Personal Savings Save for your future goals and earn higher rates compared to other financial institutions.
Financial Wellness and Education Articles and tips to help you make the most of your financial life.
Monthly Rewards Every time your child deposits $10 or more, they'll receive a monthly prize once per month.

Real Words, Real People from the PNW

Best financial institution I have ever used! Super friendly, helpful staff members who give excellent service and are very knowledgeable about their products and services. I love how easy it is to talk to a person or get assistance when needed.

Geoffrey P.

How to Rebuild Credit

Your credit history can influence many parts of your financial life, including your ability to qualify for loans or rent a home. Employers may also review it as part of some background checks. If your credit score is lower than you’d like, there are practical steps you can take to rebuild credit.

CHECK YOUR CREDIT REPORTS

The first step to rebuilding credit is to see what’s in your credit reports. The three major credit bureaus are Experian, Equifax, and TransUnion. They compile much of the same information, but their reports can be different. You can obtain free credit reports from AnnualCreditReport.com.

Carefully review your credit reports and look for:

Incorrect personal information
Accounts you don't recognize
Payments incorrectly reported as late or missed
Incorrect account balances
Other inaccurate account information

Incorrect information on your credit reports could negatively affect your credit score. An account or transaction you don’t recognize could also be a sign of identity theft. If you find an error, dispute it with the credit bureau reporting the information.

Fibre Federal Credit Union’s My Credit Score lets members view their credit score and TransUnion credit profile through Online Banking or the mobile app.

PAY YOUR BILLS ON TIME

Loan, credit card, and other payment history can affect your credit score. On-time payments build a positive payment history; late or missed payments can hurt your score.

Fibre Federal’s free Bill Pay lets you schedule one-time or recurring payments and set payment reminders so important due dates don’t slip by.

If you can't pay your credit card balance in full each month, make at least the minimum payment by the due date to keep your account in good standing. If you’re having trouble making a loan payment, contact your lender as soon as possible to ask about available payment arrangements before you fall behind.

LOWER YOUR CREDIT UTILIZATION

Credit utilization is the amount of available credit you are currently using. For example, if you have a credit card with a $5,000 limit and a $2,000 balance, your credit utilization is 40% ($2,000 / $5,000).

A high credit utilization can negatively affect your credit score. Try to keep your credit utilization below 30%, if possible. If yours is higher, paying down credit card balances and limiting new charges can lower your utilization as you rebuild credit.

Paying down balances can also lower interest costs and free up room in your monthly budget.

KEEP OLDER CREDIT ACCOUNTS OPEN

The length of your credit history is another factor that affects your credit score. Keeping older credit card accounts open, even if you rarely use them, can preserve the length of your credit history. However, it may not be worth it if you have to pay an annual fee.

Closing an old credit card account could also affect your credit utilization. Closing it reduces your total available credit, which could increase your credit utilization and potentially lower your credit score.

If you keep an older card open, use it occasionally for a small purchase you would make anyway, such as gas or a subscription. Occasional activity may also lower the chance that the issuer closes the account for inactivity.

BE CAREFUL WHEN APPLYING FOR NEW CREDIT

If you apply for a loan or credit card, the lender may perform a hard credit check to assess your ability to repay what you borrow. A hard credit check may lower your credit score by a few points. Several applications in a short period could lower your score even more.

Checking your own credit uses a soft inquiry, which does not affect your credit score. Some preapproval checks also use soft inquiries.

As you rebuild credit, apply for new accounts selectively. This limits unnecessary hard inquiries and can also curb the temptation to take on more debt.

HOW LONG DOES IT TAKE TO REBUILD CREDIT?

There is no set timeline for rebuilding credit. How long it takes depends on where your credit currently stands and what caused your score to drop.

Fibre Federal’s My Credit Score tool is a helpful resource for tracking credit score changes.

Fibre Federal members can also use GreenPath Financial Wellness for financial counseling, credit guidance, debt management, budgeting, and more. The credit union’s many financial wellness and education resources offer additional tools to build healthy money habits.

START REBUILDING YOUR CREDIT TODAY

Rebuilding credit takes consistent habits, not a single quick fix. Focus on making positive changes you can stick with, from paying on time to keeping balances low, and track your progress along the way.

If a credit card is part of your plan, Fibre Federal has low-rate options to get your started off right. See current rates and card features before applying.

Explore Credit Cards

Castle Rock is Getting a Glow Up!

Check back here for updates on our progress.

Things at our Castle Rock financial services center will look a little different over the next few months. But one thing isn't changing: the friendly crew you know and love will still be here to take care of you.

Here's what you can expect along the way:

Parking Lot Changes:
We have a trailer in our lot, which will become our alternative services center during the next phase of remodeling. Our lot might be a little tighter than normal when you stop by, so street parking is your friend! But we’ll always have one ADA spot available as a courtesy.

Our Drive-Up Makeover is Still Underway
We're replacing our traditional drive-up window with a second Interactive Teller Machine (ITM) featuring LiveConnect service. Once complete, you'll still get the same personal service you're used to, with real Fibre Family employees available live on-screen for extended hours Monday–Saturday, 7:30am–6:30pm.

You can still use the existing ITM lane, and our lobby is open as usual.

When Our Lobby Closes, We’ll Still Be Here!
We’re aiming to close our building for remodeling on Monday, November 16, but we'll be right outside in our alternative services center in the parking lot. It may be a different setting for a while, but you'll still get the same friendly, personal service you count on.
Same Castle Rock Crew. A Fresh New Look!
Thanks for your patience during our remodel. We'll keep you updated along the way and can’t wait to welcome you back inside when it’s all done.

A Better Banking Experience Awaits at Kelso

DISCOVER A REFRESHED SPACE DESIGNED WITH YOU IN MIND

We're excited to reopen our newly remodeled Kelso Financial Services Center (1003 13th Ave S).

Every improvement was made with our members in mind, creating a more convenient, personalized, and welcoming experience while maintaining the friendly local service you know and trust.

What's New at Kelso?

A More Open, Member-Focused Experience

Our refreshed layout is designed to help you get the service you need more efficiently while creating opportunities for more personalized conversations with our team.

Member Service Pods

The traditional teller line has been replaced with member service pods, creating a more comfortable, private experience. This approach allows for more meaningful conversations and personalized support tailored to your financial needs and goals.

Interactive Teller Machines with LIVEConnect

You'll also find new Interactive Teller Machine (ITM) stations in the lobby. ITMs provide a convenient way to complete everyday transactions through self-service or receive assistance from a friendly local employee through LIVEConnect.

Designed for the Future

These enhancements help us provide a modern banking experience that combines convenience, technology, and personal service. By improving the flow of the space and expanding our service options, our team can spend more time helping members address and achieve their financial goals.

Stop In and See What's New

Our refreshed Kelso Financial Services Center is designed to make every visit more convenient, more personal, and focused on what matters most—you.

We look forward to seeing you soon!

Monkey Around with Us for Doernbecher Days

Things Are Getting a Little Wild for a Wonderful Cause!

This month, we’re teaming up with our friends at Red Canoe Credit Union for Doernbecher Days! Collaboration is at the heart of the credit union movement, and this is “People Helping People” in action: two local credit unions coming together to raise even more for Doernbecher Children’s Hospital and the families who count on its care.

Doernbecher treats thousands of children each year, regardless of their families’ ability to pay. Since 2010, our Fibre Family has raised more than $648,000 for the hospital through Credit Unions for Kids fundraisers. Our employees get in on the giving too. More than 75% of our staff participate in Doernbecher Mondays, which has already raised over $20,000 this year!

Swing By and Join the Fun

There are plenty of ways to support Doernbecher Days in October:

Adopt a new little friend for $10! Purchase an adorable plush monkey at any of our locations or any Cowlitz County Red Canoe location while supplies last. Choose to take it home, or we can donate your monkey to a child at Doernbecher on your behalf!
Sponsor a Children’s Miracle Network balloon icon for $1 or more. Add your name or the name of someone special, and we’ll post it on the wall. Donate $100 or more and we’ll add your name to a jumbo balloon recognizing your generous gift!
Put your spare change to work. Clear the change from your cupholder and couch cushions and drop it into a Credit Unions for Kids donation canister at any of our financial services centers.
Donate from your account. Just ask us to make a deposit or transfer to our Doernbecher donation account. The Fibre Family and Red Canoe teams are ready to help!
Give from home. Make an online donation here and save a trip to town.

Donate Online Now

Where Do Those Dollars Go?

We’re founding members of Credit Unions for Kids (CU4Kids), a nationwide network that brings credit unions together to support Children’s Miracle Network Hospitals. Here in the Pacific Northwest, that means helping Doernbecher fund some of its biggest needs in pediatric care, research, facilities, and community outreach.

Over the years, CU4Kids has helped fund millions of dollars in projects, including pediatric research, expanded clinics and intensive care facilities, the Gary and Christine Rood Family Pavilion for patients and their families, endowed pediatric professorships, and a state-of-the-art hybrid operating room. Those are some pretty big things made possible one donation at a time.

And one of the best parts? 100% of the money we raise goes directly to the hospital.

Credit Unions for Kids (CU4Kids)

Go bananas for Doernbecher Days!
Pick up a plush monkey, put your name on a balloon, or donate any amount this month. Every dollar helps support children and families when they need it most. Together with Red Canoe and your generous support, we can make miracles happen for local kids!

Talk to us!