This site requires javascript to display/behave ideally, though the content will be accessible regardless.
Install our mobile banking app! Install » X
Install our mobile banking app! Install » X
Jump to main content
Cutting Edge FCU
  • Why Cutting Edge
    • What we believe
    • Member Benefits
    • Community Development
    • Volunteers
    • Employment Opportunities
  • Accounts
    • Checking Account
    • Youth Accounts
    • Certificates
    • Money Markets
    • Holiday Club
    • Second Chances
    • Share Savings Account
    • Deposit Rates
  • Resources
    • Calculators
    • Credit Reports
    • Auto Resources
    • Rewards
    • Identity Theft
    • Skip a Pay
    • Financial Coaching
  • Loans & Credit Cards
    • Auto Loans
    • Toy Loans
    • Personal Loans
    • Home Loans
    • Consolidation Loans
    • CU Thru Payday Loan
    • Second Chance Auto Loan
    • Credit Cards
    • Loan Rates
    • Skip a Pay
  • eServices
    • Online Banking
    • Online Bill Pay
    • Mobile Banking
    • eStatements
    • Mobile Deposit
    • Digital Wallet
    • Card Controls
  • Insurance
    • Home Insurance
    • Auto Insurance
    • Life Insurance
    • Pet Protection
    • Debt Protection

Resources

Tools & Educational Resources

Icon for:
CALCULATORS
Icon for:
CREDIT REPORT
Icon for:
AUTO RESOURCES
Icon for:
REWARDS
Icon for:
IDENTITY THEFT
Icon for:
SKIP A PAYMENT
Icon for:
FINANCIAL COACHING
Expand CALCULATORS

CALCULATORS

We provide some splendid calculators to answer lots of questions.

Calculators include:

  • Start Taking Control of Your Money (Saving and Budget)
  • Taking Charge of Your Debt (Loan Cost and Debt Reduction)
  • Evaluating Your Insurance Coverage
  • Planning Your Retirement
  • Paying for Your Child’s College Education
Check Out Our Calculators
Expand CREDIT REPORT

CREDIT REPORT

The Fair Credit Reporting Act allows you access to your credit report for FREE from each of the three nationwide credit reporting companies – Equifax, TransUnion and Experian – every 12 months.

You can request your free report online, by phone or by mail. Visit AnnualCreditReport.com, call 1-877-322-8228 or fill out the Annual Credit Report Request form and mail it. For additional information you can download FTC Facts For Consumers, via PDF.

You have the option to request all three reports at once or to order one report at a time. By requesting the reports separately (one every 4 months), you can monitor your credit frequently throughout the year.

Because the information in your credit report is used to evaluate your applications for credit, insurance, employment and renting a home, you want to be sure the information is accurate and up-to-date. Monitoring your credit report is also one of the best ways to spot identity theft. Check your credit report at least once a year to correct errors and detect unauthorized activity.

If you prefer to contact the credit reporting companies directly, you can click on the links below.

Equifax Transunion Experian
Expand AUTO RESOURCES

AUTO RESOURCES

If you hate going from dealer to dealer, searching for the right vehicle and then haggling over price—never knowing if you really got a good deal—put our affiliated car buying service to work! Know before you go and save time and money!

Car buying resources from:

  • Enterprise Car Sales
  • CarFax
  • NADA Guides
  • Edmunds
  • Consumer Reports

Contact the Credit Union for additional information.

The links to other websites on this page are not operated by Cutting Edge Credit Union. Therefore, we are not responsible or liable for the information posted to these sites or for sites that are not in working order.

Expand REWARDS

REWARDS

Being a member of Cutting Edge FCU comes with special rewards and discounts through the Love My Credit Union Rewards program. Register today and start saving money. Earn exclusive savings for Sprint, Turbotax, Insurance, Sam’s Club membership, Home Protection, Rental Cars, Theme Parks, Hotels, Concerts, shows are more!

Register for free and get bigger discounts today, simply by being a member.

View Rewards
Expand IDENTITY THEFT

IDENTITY THEFT

Think you don’t need identity theft protection? Think again.
Identity theft is consistently the number one complaint to the Federal Trade Commission. Rampant data breaches, affecting millions of records, are putting consumers at great risk of identity theft. It can happen to anyone—regardless of your age and income, where you live, or how careful you are.

Restoring your identity on your own can be time-consuming and stressful. After a while, some people give up, leaving them contend with the aftermath of identity theft for years to come, including fraudulent bills, collections activity, damaged credit and even criminal records.

Cutting Edge FCU is delighted to provide identity theft research and recovery services as part of our accounts at no cost.
We have partnered with one of the nation’s most trusted names in identity theft protection to provide you with access to a comprehensive suite of services to address fraud caused by identity theft if it happens to you or your family member. These services include:

  • Fully Managed Identity Theft Research, Remediation and Recovery – If you suspect identity theft, or if your personal information becomes compromised, we will assign you to a professional, certified and licensed Recovery Advocate will complete the recovery work on your behalf, report progress along the way, and be there for you until your good name is restored – no matter how long it takes! This service extends to cover all named account holders. Click here for complete terms and Conditions.
  • Lost Document Replacement – this service provides personalized one-on-one assistance to replace identity credential documents that have been lost, stolen or destroyed in connection with your identity fraud event.
If you think you’ve been a victim of identity theft, please contact us right away to begin the research and identity recovery process, at no cost to you.
Contact Us
Expand SKIP A PAYMENT

SKIP A PAYMENT

Our Skip a Payment program is an option when you need to free up some cash and provide a little flexibility in your monthly budget.

Whether you need extra funds around the holidays or you’re faced with an unexpected expense, our Skip a Payment program allows you to “skip” making a loan payment on an eligible Cutting Edge loan. We offer seasonal skips in June, July, August, November, December, and January. Regular skips can be available anytime of the year. If you are experiencing a financial hardship, contact us to see if a Skip a Payment may be the temporary relief you need to get back on track.

When you skip a payment your loan term will be extended. This can increase the total interest you pay over the life of your loan. Interest will continue to accrue on your unpaid balance on a daily basis resulting in a greater amount of your next scheduled payment to be applied towards interest. Guaranteed Auto Protection (GAP) coverage dos not cover the amount of payment(s) skipped during the life of a loan in the event of a claim. The skipped payment may be deducted from any payable GAP benefit. You will be charged a $25 fee for each loan on which you request to skip a payment. The fee will be deducted from the Cutting Edge Credit Union deposit account you designate when your request is approved. The $25 fee will be waived in the event of a financial hardship.

The process is easy! Request your Skip a Payment online through Online Banking, by phone at 866-653-4392, or by using our Contact Request form below.

Contact Us
Expand FINANCIAL COACHING

FINANCIAL COACHING

Understanding how to budget, buy a car, or read your credit report is an important part of managing your finances, but a majority of people have never been taught how to do so. You don’t have to try to develop these skills alone. All of the staff at Cutting Edge are Certified Credit Union Financial Counselors, who are ready to empower you to take control of your financial future. We also offer ongoing one-on-one coaching sessions for members who want to take a deep dive into your finances and develop solutions to achieve your financial goals.

Have a question, or are unsure about how to get started? Take the first step by filling out our Contact Request Form and we will help get you on the road to financial wellness!

Contact Request Form

Milwaukie Branch
4620 SE International Way
Suite #105
Milwaukie, Oregon 97222
Phone: 503-653-4392
Fax: 503-653-6327

Routing #: 323274788
NMLS ID #: 418857
Toll-free Phone: 888-653-4392

Lewiston Branch
2200 First Street
Lewiston, Idaho 83501
Phone: 208-746-5911
Fax: 208-746-9105

Cutting Edge Mailing Address
P.O. Box 22192
Milwaukie, Oregon 97269

 

eNewsletter
Hear about the latest financial news, community events, and receive our great offers straight to your inbox.

Subscribe

Not-for-profit means you profit!
There’s a Revolution underway. A Movement towards a different way of banking. It puts people ahead of profits, It means we’ll spend more time with you. We’ll be flexible, fair, and responsive. We’ll take care of business like we’ve been doing since 1953. We know bold ideas can change the world. This is for everyone who believes there has to be a better way. Be a part of our Revolution!

Go to our Facebook Page
NCUA LogoThis credit union is federally insured by the National Credit Union Administration
Equal Housing LenderEqual Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.
  • Privacy Policy
  • Disclosures & Agreements
  • Branch Hours and Locations