10333 Southeast Main Street Portland, OR 9721   (503) 256-3712
  M - Th: 8am - 5:30pm. Fri: 8am - 3pm

Loan Services

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Personalized Lending

Welcome to Personalized Lending. It's the new way your Credit Union prices many of its loan products. It means we can offer loans to many applicants who would have been turned down before, and we can offer better rates to applicants with better credit. A quick phone call to the Credit Union will give you the rate and terms for the exact loan you want.


New Vehicle Loans

The Credit Union now offers a range of rates for vehicles. If you have good credit, you can get up to 100% financing. What if you have a poor credit history? Your rate will be higher- but at least we don't have to say no! And, as your credit history shapes up, you will get a better rate next time. If you already financed your loan with another lender, consider refinancing it at the Credit Union. If you have had loans before, it's as simple as a phone call to the Credit Union to update your information. If you are new to the Credit Union, or have never borrowed before, we have an on line loan application for your convenience.


Used Vehicle Loans

The Credit Union also offers a range of rates for "used" vehicles. On a used vehicle loan, we can loan up to 130% of low Kelley Blue Book Value. Longer terms are available with higher rates.


Auto Buying Services

Do you hate going from dealer to dealer, searching for the right vehicle and then haggling over price-never knowing if you really got a good deal. The Credit Union has an Auto Broker who can help you locate the vehicle you are looking for, they can also help you with your trade-in. Call the Credit Union for our Auto Broker's information and they will assist you with your purchase.


Extended Warranty Coverage

The Credit Union now offers Vehicle Service Contracts for New & Used vehicles up to 11 years old & up to 150,000 miles. Vehicle Service Contracts cost less than the typical extended warranty offered by the dealer and can be taken to any dealer or licensed mechanic for repair. They also have the following options: Roadside Assistance, which includes:

  • Roadside Assistance, which includes:
    • Towing / Wrecker Service
    • Gasoline Delivery
    • Flat Tire Change
    • Battery-Jump Service
    • Lockout Services
  • Rental Reimbursement: $35.00 per day up to 7 days
  • Trip Interruption: $100.00 per day up to $300 max in benefits


Motorcycles, Motorized Scooters and ATVs

The Credit Union now offers a range of rates for Motorcycles, Motorized Scooters, & ATV's. If you have good credit, you can get up to 100% financing. What if you have a poor credit history? Your rate will be higher - but at least we don't have to say no! And, as your credit history shapes up, you will get a better rate next time. If you already financed your loan with another lender, consider refinancing it at the Credit Union. If you have had loans before, it's as simple as a phone call to the Credit Union to update your information. If you are new to the Credit Union, or have never borrowed before, we have an on-line loan application for your convenience.


Boats and Personal Watercraft

The Credit Union now offers a range of rates for Boats and Personal Watercraft. If you have good credit, you can get up to 100% financing. What if you have a poor credit history? Your rate will be higher- but at least we don't have to say no! And, as your credit history shapes up, you will get a better rate next time. If you have already financed your loan with another lender, consider refinancing it at the Credit Union. If you. have had loans before, it's as simple as a phone call to the Credit Union to update your information. If you are new to the Credit Union, or have never borrowed before, we have an on-line application for your convenience.


Motorhomes, Travel Trailers, 5th Wheels, and Pop-Up Tent Trailers

The Credit Union now offers a range of rates for Motorhomes, Travel Trailers, 5th Wheels, & Pop-Up Tent Trailers. The credit union offers 80% loan to value on these loans based on NADA Value or purchase price, whichever is less. The interest rate is based on your credit score. If you already financed your loan with another lender, consider refinancing it at the Credit Union. If you have had loans before, it's as simple as a phone call to the Credit Union to update your information. If you are new to the Credit Union, or have never borrowed before, we have an on line loan application for your convenience.


Loan Preapproval

Get your loan pre-approved and have the negotiating power of a cash buyer when you head to the dealer.


Signature Loans

The Credit Union offers signature loans up to 3 months gross income. We offer interest rates as low as 9.95% (based on your credit and score).


Personal Line-of-Credit

Personal Lines-of-Credit are available with credit limits up to 3 months gross income and rates as low as 11%. With a line-of-credit, have the flexibility of getting cash when you need it, with your payments based on your balance.


Share Secured / Certificate Loan

Continue to earn dividends on your shares or certificate. Borrow against your shares or your certificate for only 3% over your share or certificate rate.


Visa Credit Card

Our Visa Credit Card offers worldwide acceptance, with no annual fee, and a 25 day grace period. Cash advances or balance transfers, the interest rate is the same. Call the Credit Union for the current rate.


Payment Protection

The Credit Union is proud to offer Credit Life and Disability insurance to its membership. Credit Life coverage would reduce or payoff an outstanding loan balance in the event of death. Both borrowers may be insured. Credit Disability coverage would make your monthly loan payment if you become totally and continuously disabled by a covered sickness or accident. Coverage benefits begin following a 14 day elimination period. Payment protection is optional to members, remember, its not what you plan on, its what you don’t plan for.


Home Equity Loans / Line Of Credit

If you’re a homeowner in Oregon or Washington, a Home Equity loan can serve as a powerful financial tool. You can use it to send the kids to school, payoff other high interest loans or credit cards, do home improvements, take a vacation, you name it! The Credit Union can loan up to 80% of your tax-assessed value, minus the balance of your first mortgage (based on your credit and score) and the interest is usually tax deductible (check with your tax advisor). We offer two types of Home Equity Loans; a straight Home Equity Loan where you take all the proceeds all at once and have rates as low as 5.0% APR fixed for five years. Longer terms are available with slightly higher rates. We also offer a Home Equity Line of Credit where you can take the funds as you need them with draw periods up to 10 years and a repayment period of 10 years. The Home Equity Line of Credit has a variable rate as low as 5.0% and an annual fee of $25.00.

What you should know about Home Equity Loans


First Mortgages

Thinking about buying a home or refinancing? You can possibly get a lower interest rate, change the term on a current loan, or even get cash back. Who can you trust more than your Credit Union! Buying a home is the biggest financial investment many of us ever make, so be sure to check with your Credit Union before you settle for financing somewhere else. We can pre-approve your mortgage, which focuses your house shopping and frees you from worrying about financing. On refinances, closing usually occurs within 30 days.