Capital for the Local Enterprise.
Fibre Federal Credit Union provides the liquidity and specialized treasury tools required to scale regional operations. We replace big-bank friction with commercial expertise rooted in the Pacific Northwest.
Treasury & Operations
Efficient cash flow management is the pulse of any enterprise. Our systems automate the movement of idle capital to ensure your liquidity works as hard as your workforce.
Open Business AccountCommercial Checking
ANALYZEDHigh-volume transaction accounts designed for businesses with complex monthly activity. Features earnings credit to offset service charges based on your maintainable balance.
- • Enhanced fraud protection with Positive Pay
- • Fibrecu online banking for granular role permissions
- • Remote Deposit Capture for high-volume check processing
High-Yield Sweep Accounts
LIQUIDITYAutomatically move excess funds from your checking into interest-bearing vehicles at the close of each business day, maximizing your yield without human intervention.
Merchant Services
PAYMENTSTransparent interchange-plus pricing models that eliminate the "hidden tier" fees common in national bank processing. We provide the hardware and software for seamless storefront or digital transactions.
Commercial Lending
Real Estate & Construction
Owner-occupied or investment properties. We offer flexible terms for acquisition, refinancing, or tenant improvements.
Equipment & Fleet Financing
Whether you are upgrading a manufacturing line or expanding a fleet of service vehicles, we provide term loans that match the useful life of the asset.
Lines of Credit
Bridge the gap between accounts receivable and payroll. Our revolving lines of credit provide the seasonal flexibility required for inventory spikes or operational pivots.
SBA 7(a) and 504 Loans
As a preferred lender partner, we help navigate federal programs to secure lower down payments and longer repayment terms for qualified small businesses.
A Structural Advantage
Shareholder-Owned Banks
- 01 Profit motive serves distant investors, often leading to higher fees and impersonal service.
- 02 Underwriting happens in a central hub, disconnected from local economic realities.
Fibre Federal Credit Union
- 01 Profits are returned to members through better rates and lower overhead costs.
- 02 Decisions are made here. We evaluate the person, the plan, and the community impact.
Securing the Public Interest
Municipalities, non-profits, and educational institutions require specialized collateralization for their deposits. Fibre Federal provides the necessary security protocols to meet legal standards while maintaining liquidity.
Collateralized Deposits
Meeting strict state and local regulatory requirements for public treasury management.
Non-Profit Benefits
Account structures designed specifically for 501(c)(3) organizations with low-to-no minimums.
Preparing for your Commercial Loan Application
To ensure a timely decision, gather these primary documents before meeting with our commercial experts:
Three years of business and personal tax returns.
Current year-to-date Profit & Loss statement.
Personal Financial Statement (PFS) for all owners >20%.
Detailed business plan (for startups or expansions).
Debt schedule of current business liabilities.
Formation documents (Articles of Incorporation/LLC).
An Employee
Retention Advantage.
Offer Fibre Federal Credit Union membership as a zero-cost voluntary benefit. Your team gains access to lower loan rates, financial education, and specialized tlcfcu online banking features, increasing their financial wellness while boosting your retention.
Talk to a Commercial Officer
We invite business owners to experience a collaborative relationship where your goals are the primary benchmark. Contact us to schedule a portfolio review or discuss your upcoming capital needs.
Corporate Office: 123 Main Street, New York, NY 10001
Direct Commercial Line: +1-212-552-4791
Monday - Friday: 9:00-18:00