Loan Rates
Rates Accurate as of Today
All rates are subject to change at anytime. Account fees may reduce earnings. For Certificate Accounts, there is a penalty for early withdrawal of principal.
Vehicle Loans
| Loan Type | up to 60 months | 61 to 72 months | 73 to 84 months | Max. APR1 |
|---|---|---|---|---|
| 2019 & Newer | 6.52% APR | 6.71% APR | 6.89% APR | 18.00% APR |
| 2015-2018 | 7.02% APR | 7.21% APR | 7.39% APR | 18.00% APR |
| 2013 & Older | 7.52% APR | 7.71% APR | 7.89% APR | 18.00% APR |
| First Time Auto Buyer | 12.52% APR | 12.52% APR | ||
| Toy Loans2 | 7.21% APR | 13.91% APR | ||
| Motorcycles | 7.02% APR | 12.78% APR | ||
| Bicycle & Electric Bike3 | 8.40% APR | 13.41% | ||
1APR = Annual Percentage Rate.
2Toy Loans = New and used RVs, ATVs, boats, motorcycles, snowmobiles, jet skis, trailers, and other recreational vehicles. Most toy loans have a maximum term of 120 months.
3Bicycle & electric bike loans have a maximum loan amount of $10,000 and a maximum term of 36 months. Maximum LTV 80%. Add 1% to rate if guarantor is required. UCC must be filed.
Vehicle Loan rates determined by certain credit criteria, collateral and term of loan. Minimum amounts apply to qualify for longer terms and longer terms will increase rates. Payment example: If you borrow $20,000 for 72 months at 7.21% APR, your monthly payment would be $343.07.
Credit Cards
| Card Type | Grace Period | Fees | APR* |
|---|---|---|---|
| Visa Credit Card | 25 days | No Annual Fee | 9.90% APR |
*Annual Percentage Rate.
Visa Credit Card Application Disclosure
Other Loans
| Loan Type | Term | APR* |
|---|---|---|
| Unsecured (Personal Loan) | Up to 36 months | 9.90% to 12.25% APR |
| Unsecured Line of Credit1 | 36 months base | 9.90% to 12.25% APR1 |
| Overdraft LOC2 | 36 months base | 13.90% to 16.00%APR2 |
| Shared Secured | Up to 60 months | Share Rate + 2.50% APR |
| Shared Certificate Secured | Certificate Term | Certificate Rate + 2.00% APR |
*Annual Percentage Rate.
1Annual Fee of $10.00 for Unsecured Lines of Credit.
2Annual fee of $12.00 first charged upon opening. Transfer/advance fee from loan of $2.00. Advances used to cover overdrafts only and are initiated by the credit union. Minimum monthly payment is $25; then 10% of balance, rounded up $5. Limits of $250 to $1,000; cannot exceed limit.
Home Equity
| Loan Type | Term | APR* as low as |
|---|---|---|
| Home Equity Loan | Up to 180 mos. | 5.13% APR |
| Home Equity Line of Credit | 12-month Intro Rate1 | Up to 120 mos. | 3.49% APR |
| Home Equity Line of Credit2 | Up to 120 mos. | 7.75% APR |
| Home Improvement | Up to 120 mos. | 6.87% |
*Annual Percentage Rate.
13.49% introductory APR available for the first 12 months the line of credit is open. Offer not available on existing Oregonians equity loans. 2Rate will then be variable monthly based on Prime Rate as published in the Wall Street Journal (Western Edition) + 0.50%. Rate will not exceed 9.00% APR. Minimum monthly payment is the greater of 1% of the balance or $125. $25.00 annual fee. Closing costs apply. Appraisal maybe required if LTV is over 75% of tax assessed value. No condominium loans. Consult your tax advisor for your deductibility status.
Mortgages
Our mortgage rates are updated daily. Click here for current mortgage rates.
Your savings account are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
