Rates
Loan Rates
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Check your rate based on your credit score below.
Rates are accurate as of today and subject to change at any time. If we offer a loan for your credit score, the rate is provided on this page. Not all credit scores qualify for all loans we write.
If a guarantor is required, the rate credit tier will be determined by the primary applicant (not the guarantor). Add 1% to to the loan rate provided below when a guarantor is required.
Credit Cards
| Loan Type | Standard APR* | Max Limit | Annual Fee | |
|---|---|---|---|---|
| Low Rate Credit Card | 9.90% | $20,000 | No Annual Fee | |
| Low Rate Credit Card | 9.90% | $20,000 | No Annual Fee | |
| Low Rate Credit Card | 9.90% | $20,000 | No Annual Fee | |
| Low Rate Credit Card | 9.90% | $20,000 | No Annual Fee | |
| Not Available | 9.90% | |||
| Share-Secured Credit Card | 9.90% | $1,000 | No Annual Fee | |
| Share-Secured Credit Card | 9.90% | $1,000 | No Annual Fee | |
| Share-Secured Credit Card | 9.90% | $1,000 | No Annual Fee | |
| Share-Secured Credit Card | 9.90% | $1,000 | No Annual Fee | |
| Share-Secured Credit Card | 9.90% | $1,000 | No Annual Fee |
*APR = Annual Percentage Rate. The Standard Rate is variable, and is subject to change. The Standard Rate is the same for all qualifying credit tiers. View our Visa Credit Card & Application Full Disclosure.
Home Equity Line of Credit (HELOC)
| Loan Type | Term | Standard APR* | 12-Month Intro APR** | Max LTV | Annual Fee | |
|---|---|---|---|---|---|---|
| HELOC | 15 year draw period | 8.00% | 5.50% | 80% | $25 | |
| HELOC | 15 year draw period | 8.00% | 5.50% | 80% | $25 | |
| HELOC | 15 year draw period | 8.00% | 5.50% | 80% | $25 | |
| HELOC | 15 year draw period | 8.00% | 5.50% | 80% | $25 | |
| Not Available | ||||||
| Non-Owner Occupied HELOC | 10 year draw period | 8.00% | 5.50% | 75% | $25 | |
| Non-Owner Occupied HELOC | 10 year draw period | 8.00% | 5.50% | 75% | $25 | |
| Non-Owner Occupied HELOC | 10 year draw period | 8.00% | 5.50% | 75% | $25 | |
| Non-Owner Occupied HELOC | 10 year draw period | 8.00% | 5.50% | 75% | $25 | |
| Not Available |
*APR = Annual Percentage Rate. Minimum monthly payment is the greater of 1% of the balance or $125. You pay closing costs, which range between $125 – $2500 (estimate), to include flood certification, appraisal, title insurance, and escrow fees if required. No origination fees. An appraisal maybe required if your LTV is over 75% of tax assessed value. No condominium loans. Consult your tax advisor for deductibility status. Loan payment grace period of 15 days.
**Intro Rate Offer not available on existing Oregonians loans. Intro APR is a fixed rate available for the first 12 months the line of credit is open. After the intro period, the rate will be the Standard Rate. Standard Rate is variable and subject to change based on Prime Rate as published in the Wall Street Journal (Western Edition) + 0.50%. Standard Rate will never exceed 9.00% APR for all HELOCs.
Home Equity (Fixed Rate) Loan
| Loan Type | 84 Months | 10 Years | 12 Years | 15 Years | Max LTV | |
|---|---|---|---|---|---|---|
| Home Equity Loan1 | 6.29% | 6.54% | 7.29% | 7.54% | 80% | |
| Home Equity Loan1 | 6.54% | 6.79% | 7.54% | 7.79% | 80% | |
| Home Equity Loan1 | 6.79% | 7.04% | 7.79% | 8.04% | 80% | |
| Home Equity Loan1 | 7.04% | 7.29% | 8.04% | 8.29% | 80% | |
| Not Available | ||||||
| Non-Owner Occupied Equity Loan1 | 6.54% | 6.79% | 7.54% | 7.79% | 75% | |
| Non-Owner Occupied Equity Loan1 | 6.79% | 7.04% | 7.79% | 8.04% | 75% | |
| Non-Owner Occupied Equity Loan1 | 7.04% | 7.29% | 8.04% | 8.29% | 75% | |
| Non-Owner Occupied Equity Loan1 | 7.29% | 7.54% | 8.29% | 8.54% | 75% | |
| Not Available |
*Rates quoted in this table are fixed, but are not Annual Percentage Rates (APR). The APR will be higher. For example: a $250,000 loan at 7.36% for 84 months, would have an APR of 7.417%, a monthly payment of $3,817.41, and a loan origination fee of $500. Taxes and insurance are not included; therefore, the actual payment obligation may be greater.
1Member pays closing costs, which range between $300 – $2,500, to include flood certification, appraisal, title insurance, escrow fees (if required), and a loan origination fee (the greater of .2% of the loan balance or $150). An appraisal maybe required if your LTV is over 75% of tax assessed value. No condominium loans. Consult your tax advisor for deductibility status. Loan payment grace period of 15 days.
Home Equity Balloon Loan
| Loan Type | Up to 36 Months | 60 Months | 84 Months | Max LTV | |
|---|---|---|---|---|---|
| Home Equity Balloon1 | 6.26% | 6.28% | 6.99% | 80% | |
| Home Equity Balloon1 | 6.51% | 6.53% | 7.24% | 80% | |
| Home Equity Balloon1 | 7.01% | 7.03% | 7.74% | 80% | |
| Home Equity Balloon1 | 7.26% | 7.28% | 7.99% | 80% | |
| Home Equity Balloon1 | 7.76% | 7.78% | 8.49% | 80% | |
| Non-Owner Occupied Home Equity Balloon1 | 6.51% | 6.53% | 7.24% | 75% | |
| Non-Owner Occupied Home Equity Balloon1 | 6.76% | 6.78% | 7.49% | 75% | |
| Non-Owner Occupied Home Equity Balloon1 | 7.26% | 7.28% | 7.99% | 75% | |
| Non-Owner Occupied Home Equity Balloon1 | 7.51% | 7.53% | 8.24% | 75% | |
| Non-Owner Occupied Home Equity Balloon1 | 8.01% | 8.03% | 8.74% | 75% |
*Rates quoted in this table are fixed, but are not Annual Percentage Rates (APR). The APR will be higher. For example: a $250,000 loan at 7.61% for 84 months, with an amortization period of 25 years, would have an APR of 7.684%, a monthly payment of $1,866.00, and a loan origination fee of $500.
1Member pays closing costs, which range between $300 – $2,500, to include flood certification, appraisal, title insurance, escrow fees (if required), and a loan origination fee (the greater of .2% of the loan balance or $150). An appraisal may be required if your LTV is over 75% of tax assessed value. No condominium loans. Consult your tax advisor for your deductibility status. Loan payment grace period of 15 days.
Home Improvement Loan
| Loan Type | Term | Standard APR* | Max LTV | |
|---|---|---|---|---|
| Home Improvement1 | Up to 10 years | 8.29% | 100% | |
| Home Improvement1 | Up to 10 years | 8.54% | 100% | |
| Home Improvement1 | Up to 10 years | 8.79% | 100% | |
| Home Improvement1 | Up to 10 years | 9.04% | 100% | |
| Not Available |
*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. Origination fee of $150. Owner-occupied residences only. Loan proceeds are to be used strictly for home improvements or repairs. Title not required. No LTV requirement. Appraisal not required. Maximum loan $35,000. Maximum term 10 years. 10 day loan payment grace period.
Auto Loans
| Loan Type | Up to 36 Months | 60 Months | 72 Months | 84 Months | Max LTV | |
|---|---|---|---|---|---|---|
| 2021 & Newer | 5.28% | 5.41% | 5.53% | 5.65% | 120% | |
| 2021 & Newer | 5.28% | 6.06% | 6.18% | 6.30% | 120% | |
| 2021 & Newer | 5.28% | 7.11% | 7.23% | 7.35% | 120% | |
| 2021 & Newer | 5.28% | 11.41% - 18.00% | 11.53% - 18.00% | Not Available | **See Below | |
| 2021 & Newer | 5.28% | 12.41% - 18.00% | 12.53% - 18.00% | Not Available | **See Below | |
| 2016-2020 | 5.78% | 5.91% | 6.03% | 6.15% | 120% | |
| 2016-2020 | 5.78% | 6.56% | 6.68% | 6.80% | 120% | |
| 2016-2020 | 5.78% | 7.61% | 7.73% | 7.85% | 120% | |
| 2016-2020 | 5.78% | 11.91% - 18.00% | 12.03% - 18.00% | Not Available | **See Disclosure | |
| 2016-2020 | 5.78% | 12.91% - 18.00% | 13.03% - 18.00% | Not Available | **See Disclosure | |
| 2015 & Older | 6.28% | 6.41% | 6.53% | 6.65% | 120% | |
| 2015 & Older | 6.28% | 7.06% | 7.18% | 7.30% | 120% | |
| 2015 & Older | 6.28% | 8.11% | 8.23% | 8.35% | 120% | |
| 2015 & Older | 6.28% | 12.41% - 18.00% | 12.53% - 18.00% | Not Available | **See Disclosure | |
| 2015 & Older | 6.28% | 13.41% - 18.00% | 13.53% - 18.00% | Not Available | **See Disclosure |
*Rates presented in this table are Annual Percentage Rates (APR). Auto Loan rates are fixed. Maximum loan amount $100,000. Vehicles over 130,000 miles have a max. LTV of 90% and a max. term of 48 months. Collector cars must be driven no more than 1,000 miles/yr max., and max. LTV is 80% of appraised value or value determined by Oregonians from CPI Black Book. Payment example: $484.02 based on a 60 month, $25,000 loan at 6.06% APR.
**LTV will vary based on factors like credit history, debt-to-income ratio, term selected, and other factors.
First Time Auto Buyer Loan
| Loan Type | Term | Standard APR* | Max LTV | |
|---|---|---|---|---|
| First Time Auto Buyer | Up to 60 months | 12.11% | 90% | |
| First Time Auto Buyer | Up to 60 months | 12.11% | 90% | |
| First Time Auto Buyer | Up to 60 months | 12.11% | 90% | |
| First Time Auto Buyer | Up to 60 months | 12.11% | 90% | |
| First Time Auto Buyer | Up to 60 months | 12.11% | 90% |
*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. Must least 18 years of age with 1 year on job, or 2 years in same line of work. Proof of income required. No derogatory credit. No previous auto trade line. Vehicle must be up to 10 years of age with under 100,000 miles. Maximum loan amount $15,000. Payment example: $334.50 based on a 60 month, $15,000 loan at 12.11% APR.
Bicycles & Electric Bike Loans
| Loan Type | Term | Standard APR* | Max LTV | |
|---|---|---|---|---|
| Bicycle & Electric Bike | Up to 36 months | 6.91% | 80% | |
| Bicycle & Electric Bike | Up to 36 months | 7.91% | 80% | |
| Bicycle & Electric Bike | Up to 36 months | 8.91% | 80% | |
| Bicycle & Electric Bike | Up to 36 months | 9.91% | 80% | |
| Bicycle & Electric Bike | Up to 36 months | 10.91% | 80% |
*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. Maximum loan amount $10,000. UCC will be be filed. Payment example: $312.95 based on a 36 month, $10,000 loan at 7.91% APR.
Recreational Loans
| Loan Type | Up to 36 Months | 60 Months | 72 Months | 10 Years | 12 Years | Max LTV | |
|---|---|---|---|---|---|---|---|
| RV1 | 8.02% | 8.02% | 8.02% | 8.27% | 8.52% | 100% | |
| RV1 | 8.27% | 8.52% | 8.77% | 8.52% | 8.77% | 95% | |
| RV1 | 8.52% | 8.77% | 9.02% | 8.77% | 9.02% | 85% | |
| Not Available | |||||||
| Not Available | |||||||
| Toy Loans2 | 8.02% | 8.02% | 8.02% | 100% | |||
| Toy Loans2 | 8.27% | 8.27% | 8.27% | 95% | |||
| Toy Loans2 | 8.52% | 8.52% | 8.52% | 85% | |||
| Not Available | |||||||
| Not Available |
*Rates presented in this table are Annual Percentage Rates (APR). Recreational Loan rates are fixed. Maximum loan amount $125,000. Payment example: $940.76 based on a 10 year, $75,000 loan at 8.77% APR.
1New and used recreational vehicle or trailer with a living quarters that's designed for recreational temporary living.
2ATVs, boats, motorcycles, snowmobiles, jet skis, trailers, and other recreational vehicles.
Motorcycle Loans
| Loan Type | Term | Standard APR* | Max LTV | |
|---|---|---|---|---|
| Motorcycles (<1000cc) | Up to 60 months | 8.91% | 80% | |
| Motorcycles (<1000cc) | Up to 60 months | 9.91% | 80% | |
| Motorcycles (<1000cc) | Up to 60 months | 10.91% | 80% | |
| Motorcycles (<1000cc) | Up to 60 months | 11.91% | 80% | |
| Motorcycles (<1000cc) | Up to 60 months | 12.91% | 80% | |
| Motorcycles (>1000cc) | Up to 60 months | 7.91% | 100% | |
| Motorcycles (>1000cc) | Up to 60 months | 8.91% | 100% | |
| Motorcycles (>1000cc) | Up to 60 months | 9.91% | 100% | |
| Motorcycles (>1000cc) | Up to 60 months | 10.91% | 100% | |
| Motorcycles (>1000cc) | Up to 60 months | 11.91% | 100% |
*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. Maximum loan amount $100,000. Payment example: $517.87 based on a 60 month, $25,000 loan at 8.91% APR.
Personal Loans
| Loan Type | Term | Standard APR* |
|---|---|---|
| Personal Loan | Up to 60 months | 11.90% |
| Personal Loan | Up to 60 months | 12.35% |
| Personal Loan | Up to 60 months | 13.25% |
| Personal Loan | Up to 60 months | 14.25% |
| Not Available | Not Available |
*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. Payment example: $332.85 based on a 36 month, $10,000 loan at 12.35% APR.
Personal Line of Credit
| Loan Type | Standard APR* | |
|---|---|---|
| Personal Line of Credit | 11.90% | |
| Personal Line of Credit | 12.35% | |
| Personal Line of Credit | 13.25% | |
| Personal Line of Credit | 14.25% | |
| Not Available | Not Available |
*APR = Annual Percentage Rates. The Standard Rate is variable, and is subject to change. $10 annual fee.
Share Secured Loans
| Loan Type | Term | Standard APR* | |
|---|---|---|---|
| CD or Share Secured | Up to 60 months | Dep-Rate + 2.50% | |
| CD or Share Secured | Up to 60 months | Dep-Rate + 2.50% | |
| CD or Share Secured | Up to 60 months | Dep-Rate + 2.50% | |
| CD or Share Secured | Up to 60 months | Dep-Rate + 2.50% | |
| CD or Share Secured | Up to 60 months | Not Available |
*APR = Annual Percentage Rate. The Standard Rate is fixed, and is the same for all terms. The Standard Rate is the same for all qualifying credit tiers.
Overdraft Line of Credit
| Loan Type | Standard APR* | Annual Fee | |
|---|---|---|---|
| Overdraft LOC | 14.90% | $12 | |
| Overdraft LOC | 15.35% | $12 | |
| Overdraft LOC | 16.25% | $12 | |
| Overdraft LOC | 17.25% | $12 | |
| Not Available |
*APR = Annual Percentage Rate. The Standard Rate is variable, and is subject to change. Annual fee of $12.00 first charged upon opening. Transfer/advance fee from loan of $2.00. Advances are used to cover overdrafts only, and are initiated by Oregonians. Minimum monthly payment is $25; then 10% of balance, rounded up to $5.
Deposit Rates
Rates Accurate as of Today
All rates are subject to change at any time. Account fees may reduce earnings. For Certificate Accounts, there is a penalty for early withdrawal of principal.
Checking Accounts
| Account Type | Rate | APY* | Min. Opening Balance | |
|---|---|---|---|---|
| My Interest Checking | .13% | .13% | $50 | |
| Business Checking | .13% | .13% | $50 | |
| My Rewards Checking | 0% | 0% | $50 | |
| My Checking | 0% | 0% | $50 |
*APY = Annual Percentage Yield. Small Business Checking, My Checking, and My Rewards Checking do not earn interest.
Savings Accounts
| Account Type | Rate | APY* | |
|---|---|---|---|
| Membership Share Account | .09% | .09% | |
| Member Rewards Savings** | .09% | .09% | |
| Club Accounts | .09% | .09% | |
| IRA Share Accounts | .68% | .68% | |
| Homebuyer Savings | 1.00% | 1.01% |
*APY = Annual Percentage Yield. **This account is automatically opened with a My Rewards Checking Account.
Youth Savings
Saver Hounds Club
| Balance | Rate | APY* |
|---|---|---|
| Up to $500 | .19% | .19% |
| Over $500 | .09% | .09% |
*APY = Annual Percentage Yield.
Teen Club
| Balance | Rate | APY* |
|---|---|---|
| Up to $500 | .19% | .19% |
| Over $500 | .09% | .09% |
*APY = Annual Percentage Yield.
Money Market Account
CDs
Certificate Accounts
| Term | Term (Days) | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| 3 Months | 91 – 180 | 1.27% | 1.28% | $1,000 |
| 6 Months | 181 – 365 | 2.56% | 2.59% | $1,000 |
| 12 Months | 366 – 730 | 3.02% | 3.07% | $1,000 |
| 24 Months | 731 – 1095 | 2.86% | 2.90% | $500 |
| 36 Months | 1096 – 1460 | 2.80% | 2.84% | $500 |
| 48 Months | 1461 – 1825 | 2.93% | 2.97% | $500 |
*APY = Annual Percentage Yield. Account fees may reduce earnings. Penalty for early withdrawal of principal.
Bump Certificates
| Term | Term (Days) | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| 24 Months | 731 – 1095 | 2.66% | 2.70% | $2,500 |
| 36 Months | 1096 – 1460 | 2.60% | 2.63% | $2,500 |
| 48 Months | 1461 – 1825 | 2.73% | 2.77% | $2,500 |
*APY = Annual Percentage Yield. Minimum initial amount of $2,500. Member may bump the rate one (1) time to the current market rate - the new rate remains for the maturity which is based on the original certificate term. Account fees may reduce earnings. Penalty for early withdrawal of principal.
IRA Certificates
| Term | Term (Days) | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| 3 Months | 91 – 180 | 1.37% | 1.38% | $1,000 |
| 6 Months | 181 – 365 | 2.66% | 2.70% | $1,000 |
| 12 Months | 366 – 730 | 3.12% | 3.17% | $1,000 |
| 24 Months | 731 – 1095 | 2.96% | 3.00% | $500 |
| 36 Months | 1096 – 1460 | 3.00% | 3.05% | $500 |
| 48 Months | 1461 – 1825 | 3.13% | 3.18% | $500 |
*APY = Annual Percentage Yield. Account fees may reduce earnings. Penalty for early withdrawal of principal.