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Loan Rates

Share Accounts

Membership Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$0-$999.99 0.02% 0.02%
$1,000-$9,999 0.02% 0.02%
$10,000+ 0.02% 0.02%
Ownership Shares
Dividend Rate Annual Percentage Yield (APY)
1.98% 2.00%
Club Accounts - Special Purpose, Christmas, Vacation, House & Tax
Dividend Rate Annual Percentage Yield (APY)
0.02% 0.02%
High Yield Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$0-$9,999 0.02% 0.02%
$10,000+ 0.02% 0.02%
Investors Plus Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$2,500-$24,999 0.05% 0.05%
$25,000-$49,999 0.05% 0.05%
$50,000+ 0.05% 0.05%
Traditional, Converted Roth, Regular Roth, Educational IRA Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$0-$2,499 0.07% 0.07%
$2,500-$24,999 0.07% 0.07%
$25,000-$49,999 0.07% 0.07%
$50,000+ 0.10% 0.10%

Checking Accounts

Checking Account
Name Dividend Rate Annual Percentage Yield (APY)
Everyday Checking N/A N/A
Elite Checking 0.01% 0.01%
Share and IRA Certificates
Term Dividend Rate Annual Percentage Yield (APY)
6 Month 0.10% 0.10%
1 Year 0.15% 0.15%
2 Year 0.20% 0.20%
3 Year 0.30% 0.30%
4 Year 0.40% 0.40%
5 Year 0.50% 0.50%
Bump Up Certificates
Term Dividend Rate Annual Percentage Yield (APY)
1 Year 0.10% 0.10%
2 Year 0.15% 0.15%
3 Year 0.25% 0.25%
4 Year 0.35% 0.35%
5 Year 0.45% 0.45%

Rates and programs are subject to change at anytime. Please call (503) 364.7999 for the most up-to-date rate information.

Certificate Disclosures Share Disclosures

Loan Rates
Type of Loan APR*
Secured Loan** - All vehicles with titles or UCC Filings 2.24% - 17.99%
Unsecured Loan** - Personal Loans, Lines of Credit 8.75% - 18%
First Mortgage*** - Fixed and Adjustable Rates Current Rates
Home Equity Line of Credit**** 4.00% - 17.75%
Mastercard Credit Card 7.25% - 17.50%
Share and Certificate Secured Loan Add 3.00% (Min. 4.00%)

APR=Annual Percentage Rate

*APR = Annual Percentage Rate. The interest rate a member pays is based on the member’s credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Other restrictions may apply. Contact the credit union at 503.364.7999 for complete details.

**$65.00 loan processing fee for consumer loans (excluding credit cards).

***For First and Second Mortgage Loans there is a 1% origination fee. Other third party fees such as appraisal fees may apply. 1st mortgage terms up to 30 years, 2nd mortgage terms up to 15 years. See CU for details.

****For Home Equity Lines of Credit there is a $125 processing fee and an annual fee of $75. Other third party fees such as appraisal fees may apply.