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Welcome UDW Members

UDW has partnered with Providence Credit Union to bring you your very own credit union!

Who can join PCU?

UDW members, staff, retiree, and family members of the account holders are all welcome!

Join Today!

Want to reactivate your UDW membership or become a UDW member? Contact UDW now.

Welcome!
The credit union for you and your family.

Since 2022, Providence Credit Union (PCU) has been in partnership with UDW to bring you your very own credit union. What does this mean for you, your families, and communities? It means you can enjoy everyday benefits like access to over 30,000 surcharge-free ATMs worldwide, getting paid up to two days early with early direct deposit, exclusive offers, and low-interest rate loans. Plus, with more than 5,000 Shared Branches nationwide, you can handle your financial transactions in-person, just like you would at a PCU branch! 

We are much like labor unions, not-for-profit organizations designed to serve our members. We don’t have shareholders but instead return profits to our membership through inclusive accounts, competitive rates, and convenient access to your funds.

And that’s precisely why PCU and UDW partnered to create products and services designed specifically for you. You work hard for your money, and you deserve a member-first financial institution that respects you and helps you manage your money wisely.

Come join and discover what thousands of UDW members have come to expect – better products, exceptional service, easy access. Less banking. More time for you.

Your Union's Credit Union

We combine all the traditional friendliness of a credit union with the modern banking services care workers need.

Checking Accounts for Wherever You Are

Apex, Ascent, and Base Checking Accounts.

Set Your Dreams in Motion with an Auto Loan

Hit the open road with confidence! Our auto loan options offer the competitive rates and flexible terms you're looking for.

 

Over 5,000 CO-OP Shared Branches and 30,000 Surcharge-free ATMs

Over 5,000 shared branch locations nationwide to conduct everyday transactions in person. Plus, enjoy fee-free CO-OP ATM locations worldwide!

A Full Array of Digital Tools

Manage your funds on the move 24/7.

Convenience & Security with Early Direct Deposit

Skip the lines. Have your paycheck automatically deposited into your account and get paid up to two days early.

It Starts With $5

It only takes $5 to open a savings account and become a member. And, just like a big bank, you can easily access your account anywhere, anytime: in-person, online, via mobile, ATM, or digital wallets. But, unlike a bank, you’re not just another account number. We are here to listen, help, and do our best to say "yes”.
Join Today
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Eligibility

If you or your family are a UDW member, staff, or retiree member, you may be eligible to join PCU. Eligibility is also available if you work for Providence Health & Services or any of its subsidiaries.

Once you’re a member, your family member (i.e. husband, father, aunts, uncles, cousins, in-laws, domestic partner, and grandparents) can join. And you can bank with us as long as you like – even if you leave the Providence, UDW, EyeHealth Northwest, or The Portland Clinic, LLP network.

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UDW

Every UDW member, employee, retiree, and family member

Providence Health & Services

Every Providence employee, intern, contractor, retiree, and family member

EyeHealth Northwest

Every EyeHealth Northwest employee, retiree, and family member

The Portland Clinic

Every employee of The Portland Clinic, LLP and their family members
Join Today

Merger with CCCU

Providence Federal Credit Union and Consolidated Community Credit Union are thrilled to share that we have reached an agreement, voted on by our members, that would merge the two organizations into one on January 1, 2025! By joining together, we will be better positioned to offer competitive financing and enhanced services for our members. This partnership with CCCU ensures we continue on the path to building a financially secure future.

With the official merger happening on January 1, 2025, members can continue banking and accessing their accounts just like always. But the real excitement begins on June 1, 2025, when the full merger conversion is completed! Starting then, members will enjoy access to not only CCCU branch locations but a host of exciting new benefits, including:
  • Access to Thousands of Branches through Shared Branching
  • Enhanced Products & Services, including High-Yield Checking Accounts
  • Elevated Digital Banking, including Zelle®
  • Broader & Stronger Community Impact
For more information and updates as they come up, please visit our Merger Hub.
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Digital Banking Platform

PCU’s online and mobile banking platform provides a personalized dashboard, enhanced security, live chat support, and other great features to make managing your money effortless.
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If you are experiencing any difficulty with Digital Banking, we are here to help! If you can’t find the answers you need in our Frequently Asked Questions, please call our Member Care Center at 800.444.8115, chat with us, or email us at membercare@providencecu.org.

Boost Your Savings with a Certificate

Certificates of Deposits are a safe, secure, and easy way to boost your money. With as little as $1,000, you can open a certificate account and earn a higher interest rate than a traditional savings account. Remember, the funds must remain untouched for a set term while earning a guaranteed rate of interest. Check out our short video explaining how Certificates work.

What our members are saying

“The process to create my account was quick and smooth. The option to receive my direct deposit two days early is amazing! Thank you!”

Armando Z. Member Since 2023

“The app is easy to use and saves me worrying about my deposit going missing in the mail. Job well done, guys!”

Dawn C. Member Since 2010

“My experience was perfect! I had never deposited a check before and the woman who assisted me was delightful! Thank you!”

Mary S. Member Since 1973

Our Team is Ready to Help

sm-Katie-Johnson

I am looking forward to meeting all of you at UDW and helping you find the best financial solutions to fit your lifestyle! I recently moved to San Diego, CA from Phoenix, AZ, and I can’t wait to connect with the local community culture. I have to say my hero is my mom! She has taught me so much and to always follow my dreams. And here I am!

Katie Johnson, Business Development Officer, San Diego | 858.775.4878 | NMLS #688388 | katiej@providencecu.org

sm-Maria-Ceapa
I look forward to helping you here in San Diego with your financial needs. Feel free to ask me any questions about our products! One quote I live by is: 'Life can be very easy when love is your way of life.' It made me realize that no matter your situation, you should always choose to do things with love and compassion.
 

Maria De La Hoz, Assistant Operations Manager, San Diego | 619.814.3307 | NMLS #2147117 | mceapa@providencecu.org

 

Frequently Asked Questions

Will every UDW member qualify?

If you or your family are a UDW member, staff, or retiree member you may be eligible to join PCU.

We're here to make becoming a member easy and meaningful. Our goal is to ensure more care workers have access to affordable interest loans, higher savings yields, lower fees, and trusted financial guidance. Everyone’s situation is unique, and we want to hear your story, so we can find every possible way to say “YES”! We're here to help you take control of your finances with products and services tailored to your lifestyle.

How do UDW member sign up for a PCU account?

For many care workers, working long hours can make it hard to stay on top of their finances, so we’ve made it easy to join the Credit Union. You don’t even have to leave the house!

Complete the form on this page by entering your name and email address, then click "Next" to begin our online membership application. 

Why should a UDW member join PCU?

We’re excited to partner with UDW, another not-for-profit organization rooted in understanding the needs and wants of care workers. The care industry and community share a lot in common with the spirit of credit unions – people helping people! PCU and UDW put members first. Both of us lead by example: to ensure our members are financially protected and successful. 

What makes PCU different?

We’re grateful to be a part of a community committed to helping those in need, especially when they’re the very people who provide essential services to our communities.

For over 60 years, our members and employees have volunteered their time and donated money to serve local organizations including Camp Erin, Kells Green Rain Event, Oregon Food Bank, Portland Festival of Trees and the Providence Helping Hand Fund. We understand the pressures that home health workers and family childcare providers face. Take advantage of our free financial tools to help you reach your goals. 

Who is Providence Credit Union (PCU)?

We’re a not-for-profit financial cooperative originally created for Providence healthcare employees and their families based in Oregon. Since 1962, we’ve been creating and designing products and services specifically for healthcare professionals, their families, and partners. We’re more than just a place to put your money, deposit your checks or take out a loan (though we do that too). As a credit union, we work with our members to create lifelong financial success regardless of how much they deposit or borrow, including frequently underserved and underbanked groups.

PCU doesn’t warrant, guarantee or insure any products or services offered by participating merchants. The Credit Union is federally insured by the National Credit Union Administration. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.00. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver’s license and other identifying documents.