About KaiPerm NW Credit Union

Your KaiPerm NW Credit Union team is ready to work with you and committed to helping you get ahead financially.

Our staff, board, members, and volunteers work together to provide a great banking experience, get to know who we are below.

Our Mission

The Mission of KPCU:

“Provide members with a variety of better-than-market banking services— that cost less and pay more— in order to help them Get Ahead Financially!”

The driving intention of KPCU’s Directors is to accomplish this

  • by offering benefits that are measurably better than those available from other sources.
  • by providing state-of-the-art services that increase the ease and convenience of using KPCU.
  • by getting members to use the services of KPCU, rather than those of other sources.
  • by delivering useful information and advice on matters of personal finance.
  • by encouraging members to initiate actions that work to their financial advantage.
  • by helping members use credit wisely and avoid or fix problems with their credit status.
  • by urging members to save on a regular, recurring basis…and to start sooner rather than later.
  • by pushing members to maintain budgets, plans and behaviors that sharpen their banking routines and improve their overall financial circumstances.

Our History

In 1967, several Kaiser Permanente employees became interested in forming an employee’s credit union. After several discussions with the Oregon Credit Union League, these employees approached Kaiser’s Director of Personnel about organizing such a credit union.

It took four years, but on March 9, 1971, KaiPerm Oregon Federal Credit Union was formed with eight charter members, who each purchased a $5.00 share in the Credit Union.

In the first three months of operation, the Credit Union signed up 500 members. By September of 1973, the Credit Union had $148,000 in shares, $129,471 in loans, and one employee.

The Credit Union’s original field of membership was limited to those having the following common bond:

Employees of Kaiser Hospital and Family Health Plan and Permanente Services, Inc.; Divisions of the Kaiser Foundation Medical Care Program who work in Portland or Beaverton, Oregon or Vancouver, Washington; un-remarried spouses of members of this Credit Union; employees of this Credit Union; persons retired as pensioners and/or annuitants under private pension plans provided for the above employee groups; members of their immediate families; and organizations of such persons.

Over the years, we expanded our field of membership to include volunteers who work at the Kaiser Hospitals under the supervision of the hospital staff. We also broadened the definition of immediate family members to include grandparents, parents, husband, wife, children, grandchildren, brothers, and sisters, foster and adopted children, together with any of their spouses.

In 1985, the Credit Union’s name was changed to KaiPerm Northwest Federal Credit Union. As of December of 1996, the Credit Union had reached assets of $17,343,000. Our membership totaled over 6,000 persons.

Throughout its history, the Credit Union has been continually adding and improving services to its members. In 1983 we added Share Checking to our growing line of products, while VISA credit cards became available in 1986.

Our continuing growth in recent years made it necessary for the Board of Directors to seek a new location of an Administrative Headquarters. New offices were chosen in Clackamas, near the Kaiser Sunnyside campus. Remodeling began in October of 1988, and the facility officially opened on January 3, 1989.

In 1991, additional changes were made at the Credit Union, due in part to the economic times and the fact that we wanted to continue to provide convenient, cost-effective services to a greater number of members in various locations. This led to the closure of our branch at the recently renamed Central Interstate Medical Office in late summer of 1992.

We replaced this branch with one automated teller machine (ATM) located at Central Interstate and installed two more at KPB and Sunnyside Medical Center. The machines continue to provide service to credit union members, as well as anyone working at or visiting these facilities. Two other ATMs were installed in 1999, one at Salmon Creek and another at the Beaverton Medical facility. Two additional ATMs were placed in Lancaster Medical Center and Longview Medical Center in 2001. In 2003, a machine was also installed at Skyline Medical Center to better serve the membership.

In late 2000, the Credit Union relocated to the Kaiser Permanente Building in Portland, Oregon.

In 2001, the Credit Union again revised the field of membership to include Kaiser Foundation Health Plans, Kaiser Permanente, and domestic partners. In 2006, the Credit Union field of membership was amended to include Kaiser Permanente Insurance holders, also known as Value Association members.

Although we have grown from a small one-employee office to two full-service branches (KPB and Westside Hospital) with 13 employees and over $80 million in assets, we have never lost sight of our primary purpose of providing low-cost financial services to our members.

KaiPerm NW Credit Union Staff

Angelica Bell

Service Representative


Ask Angelica about anything on your accounts including joining the credit union, opening new accounts, debit cards, home banking, etc. Angelica is also responsible for handling member website inquiries.

Angelica enjoys spending quality time with her husband and two energetic boys when she is not working. Her family loves to attend their local Church regularly. The Bells love memorizing Bible verses and playing board games together. One of their favorite family activities is playing the board games her oldest son creates.
With KPCU since 2016.

Mirela Botoroaga

Member Service Representative


Ask Mirela about— any of your accounts, joining the CU, opening new accounts, problem with debit or credit cards, transferring funds, IRA’s etc.
With KPCU since 2000.

Peggy Doyle

Loan Manager


Call Peggy about— an active loan, a new loan, our mortgage service, loan rates, credit concerns, consolidating your debts, etc.


I like to golf with my husband, spend time with my family, and watch my sons play baseball.
With KPCU since 2005.

Jessica Forbes

Service Representative



Jessica is our newest representative. Ask her about how to join KPCU or anything about your account.

After I leave Kaiperm for the day, I love to spend time with my 4-year-old while taking an adventure to our neighborhood park. Living in Portland is the best for my family and friends. There is always something fun to do around town and in the community. My favorite Portland activity is going to see stand up comedy. The Bridge Town Comedy Festival is a great experience and draws many people from around the region.
With KPCU since 2016




New staff profile coming soon.

Holly Luu



Holly manages the credit union’s financials, investments and pays the bills.
With KPCU since 2016.

Kyle Miller

Loan Officer


Call Kyle about – joining the CU, or any of our accounts and services. Ask him about loans, too; he’s our backup loan processor.

I live with my wife and our two cats. We enjoy traveling to other countries and do that as much as we are able to. I am also a big fan of comedy, and we attend shows throughout Portland.
With KPCU since 2015.

Angela Oscar

Member Service Representative


Ask Angela about— any of your accounts, joining the CU, opening new accounts, debit cards, IRA’s or home banking or bill pay, etc.

Angela is married with three wonderful kids ages 13, 16 & 22 and one beautiful 3-year-old granddaughter. Our lives seem to be super busy these days with work, school, kids sports, house projects and yard work that we do not seem to have much down time, but when we do, my family enjoys camping, swimming, playing games and watching movies together.
With KPCU since 2006.

Sarah Oxford

Member Service Representative



Ask Sarah about— your accounts, joining the CU, opening new accounts, fraud issues, home banking, etc.

I enjoy interacting with our members and developing a professional relationship with them. Outside of work I enjoy spending time with my family and friends. My hobbies include camping, fishing, working alongside my husband landscaping our back yard, relaxing in the pool or hot tub, and spoiling my two granddaughters.
With KPCU since 2005.

Nancy Vlcek

Service Representative


Nancy was previously with a local bank for several years. Her duties include loan audits.

I love to travel – preferably to the happiest place on earth, Disneyland or by cruise ship to somewhere warm and sunny. I do all kinds of needlework, have had Blazer season tickets for over 30 years, and I am in the Portland Singing Christmas Tree.
With KPCU since 2016.

Ed Waite



Call Ed if you’re interested in becoming a CU volunteer.

My hobbies are playing golf, traveling, and working on old cars. My wife recently retired, so the honey-do-list is growing.
With KPCU since 1996.

Angela Webster

Loan Officer


Ask Angela about— any of your accounts, joining the CU, opening new accounts, new loans, mortgage services, loan rates, title issues, etc.

I like to go camping and to spend time with my family.
With KPCU since 2008.

Maria Zarate

Vice President since 1993


Call Maria— if you have a problem with any of your accounts or want to know how anything about the CU works.
With KPCU since 1993.

Our Board of Directors

Alex Lamb


Alex is a Systems Analyst with the NW Analytics Dept. of Kaiser Permanente. Prior to that, he was the lead programmer/analyst for the Kaiser Permanente Dental Program.

Bill Borok

Vice Chair

Dr. Borok has been with Kaiser Permanente as an Optometrist since 1989. He’s been a Kaiperm CU member since 2004, and a KPCU Director since 2007.

Mark Moisan


Mark joined the board in 2003.

Jessica M. Alexander


Jessica is the Director of Clinical Informatics for Kaiser Permanente NW Hospitals. A KPNW employee for 5 years, she joined the credit union board in 2013.

Pete Lang

Pete spent 34 years with Kaiser Permanente; first in Southern California, then in the Northwest where he was Director of Eye Care Services. He joined KPCU in 1986, and became a Director one year later.

Kimberly Williamson

Kimberly’s background includes budget variance analysis, financial modeling, and building business cases. She has been a member of the KPCU since 2014.

Tyler Wubbena

Tyler is the Engineering Manager for the City of Hillsboro Water Department.

Bill Criteser

Began working for Bess Kaiser hospital in north Portland in 1970. I have worked in just about all hospitals and clinics in Portland area at one time. I joined the credit union near the beginning of its formation. I have previously served on the Board during the 1990’s while located in Clackamas.

Currently, besides serving on the board, I  volunteer with the supervisory committee conducting audits in the main office.

Our Supervisory Committee

The members of the Supervisory Committee are our watchdogs. They, collectively, are responsible for overseeing— internal policies and controls, annual audits of members’ accounts, the financial circumstance of the credit union, the privacy and security of all credit union data and the filing of quarterly reports to our federal regulators (National Credit Union Administration, Washington, D.C.)

Julie Hollister-Smith My work history ranges from business to science. I started in operations planning then worked at the Oregon Zoo and in my mid-40s returned to school for my Ph.D. in Biology. Next, I did genetic research at the Oregon National Primate Research Center. I currently work with amazing dogs (and people) at Guide Dogs for the Blind. Outside of work, in addition to being a part of the advisory board at KaiPerm Credit Union, I also volunteer weekly at Multnomah County Animal Services working with cats and kittens. I enjoy getting out into nature, reading, and we are long-time season ticket holders enjoying home and some away U of O Duck football games.

Carla Robertson has been a key member of KPCU’s board for 20 years and is currently Chair of KPCU’s Supervisory Committee. Carla retired as Assistant to the VP/Health Plan after 32 years with Kaiser Permanente.

Other KPCU Member/Volunteers

John Flaherty— Facilities Committee/Budget Review Committee
Cherie Elder— Nominating Committee
Judi Nikolas— Nominating Committee
Robert Oun— Marketing Committee
Linda Jorgensen— Annual Meeting Committee
Steve VanHee— HR Policy Review Committee
Gary Vandeventer— Bylaws Committee
Ray Robertson— Retirement Plan Trustee

Are you interested in joining our team of volunteers? Give us a call or fill out the contact form!

We look forward to helping you bank like you won't believe!