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 DisclosureLink to Rate Schedule PDF


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.



Our mortgage rates are updated daily. Click here for current mortgage rates.

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