Competitive Rates for our members
Effective May 12, 2017
| Accounts | Dividend Rate | APY | Minimum Balance | Interest Compounded and Paid | Minimum Opening Balance |
| Checking | 0.00% | 0.00% | n/a | n/a | $0 |
| Savings | 0.05% | 0.05% | $5.00 | Monthly | $5.00 |
| Buddy Bear Club | 0.05% | 0.05% | $5.00 | Monthly | $5.00 |
| 6-Month CD | 0.10% | 0.10% | $500.00 | At Maturity | $500.00 |
| 6-Month Jumbo CD | 0.20% | 0.20% | $50,000.00 | At Maturity | $50,000.00 |
| Tax Reserve | 0.05% | 0.05% | $5.00 | Monthly | $5.00 |
| Christmas Club | 0.05% | 0.05% | $5.00 | Monthly | n/a |
| Money Market | 0.10% | 0.10% | $5,000.00 | Monthly | $5,000.00 |
| Consumer Loans | APR | Daily Periodic | Maximum Payment Period | Loan Description |
| 2016 and newer Cars, Trucks, Vans, and SUVs | 2.50% up to 17.95% |
0.006849% up to 0.049178% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2008 - 2015 Autos, Trucks, Vans, and SUVs |
2.99% up to 17.95% |
0.008191% up to 0.049178% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2007 and older Autos, Trucks, Vans, and SUVs |
4.25% up to 17.95% |
0.011643% up to 0.049178% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2017 and newer Motorcycles, Motorized scooters, and ATVs |
4.25% up to 17.95% |
0.011643% up to 0.049178% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2008 - 2016 Motorcycles, Motorized scooters, and ATVs |
5.25% up to 17.95% |
0.014383% up to 0.01917% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2007 and older Motorcycles, Motorized scooters, and ATVs |
6.25% up to 17.95% |
0.07123% up to 0.01917% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2017 - 2018 Boats and Personal Watercraft |
4.75% up to 17.95% |
0.01301% up to 0.001917% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2008 - 2016 Boats and Personal Watercraft |
5.25% up to 17.95% |
0.01438% up to 0.01917% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2007 and older Boats and Personal Watercraft |
8.25% up to 17.95% |
0.0226% up to 0.04917% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2017 - 2018 Motorhomes, Travel Trailers, 5th Wheels, and Pop-up Tent Trailers |
4.95% up to 17.95% |
0.01356% up to 0.04917% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2008 - 2016 Motorhomes, Travel Trailers, 5th Wheels, and Pop-up Tent Trailers |
5.25% up to 17.95% |
0.01438% up to 0.04817% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2000 - 2007 Motorhomes, Travel Trailers, 5th Wheels, and Pop-up Tent Trailers |
8.25% up to 17.95% |
0.02260% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| Homeowners Vehicle Loan 2008 and newer Autos, Trucks, Vans, and SUVs |
2.99% up to 17.95% |
0.07945% up to 0.04917% |
84 Months | The credit union will hold your vehicle title and a courtesy trust deed on your home as collateral. All interest on this loan may be tax deductible. Check with your tax advisor. Rate based on term and credit score. Member is responsible for recording fees of trust deed, DMV fees & flood determination fee. Reconveyance fee is charged to member when loan is paid in full. |
| Signature Loans | 9.95% up to 17.95% |
0.027260% up to 0.049178% |
72 Months | Interest rate based on term and credit score |
| Personal Line-of-Credit | 11.00% up to 17.95% |
0.030136% | none | Interest rate based on credit score. Lines of credit are reviewed every 24 months. Payment is Re-calculated with each Loan advance. |
| Visa Credit Card | 12.90% | 0.035342% | none | Grace period 25 days. |
| Share-Secured Loans | none | none | none | The interest rate for this loan is 3% above the Dividend rate of the Savings or certificate of Deposit securing the loan. |
| Loan Types | Interest Rate | Annual Periodic Rate | Maximum Repayment Period | Loan Description |
| Home Equity Line-of-Credit |
5.00%-7.50% | 0.013698%-0.020547% | 5 - 10 Year Draw Period 10 Year Repayment |
No application fee or closing costs. Interest rate is based on credit score. The interest rate is a variable rate that changes quarterly and is based on Prime Rate plus as published in the Wall Street Journal plus a margin. The minimum monthly payment is 1.5% of your balance or $100.00 minimum as of the most recent advance. Annual fee $25.00. Maximum loan to value is 80% of tax assessed value. Properties located in Oregon and Washington only. Reconveyance fee paid at end of loan. |
| Home Equity Line (Interest Only) | 5.00%-7.50% (Fixed) | 0.013698% - 0.020547% | 5 - 10 Year Draw Period 10 Year Repayment |
The "interest only" period will be for the first 5 years. Interest Rate is based on credit score. During the "interest only" draw period, your minimum monthly payment will be equal to the accrued Finance Charge at the end of each billing cycle. At the end of the "interest only" draw period, the minimum monthly payment will refer back to the 1.5% of your balance or $100.00 minimum as of the most recent advance. The interest rate will be fixed for the first 5 years. At the end of the "interest only" draw period, the interest rate will revert back to a variable rate which can change quarterly, based on the Prime Rate as published in the Wall Street Journal plus a margin. Annual Fee $25.00. Maximum loan to value not to exceed 80% of tax assessed value. Properties located in Oregon and Washington only. Reconveyance fee paid at end of the loan. Minimum loan amount #10,000.00. |
| Loan Type | Interest Rate | Annual Periodic Rate | Maximum Repayment Period | Loan Description |
| 5 Year | 5.00%-6.50% | 0.013698% - 0.017808% | 60 Months | No application fee or closing costs. Interest rate based on credit score and loan to value ratio. 80% maximum loan to value based on current tax assessment. Minimum loan amount $5,000.00. Reconveyance fee paid at end of loan. Properties located in Oregon and Washington Only. |
| 10 Year | 6.00-8.50% | 0.016438% - 0.023287% | 120 Months | No application fee or closing costs. Interest rate based on credit score and loan to value ratio. 80% maximum loan to value based on current tax assessment. Minimum loan amount $10,000.00. Reconveyance fee paid at end of loan. Properties located in Oregon and Washington Only. |
| 15 Year | 7.00%-10.50% | 0.019178% - 0.028767% | 180 Months | No application fee or closing costs. Interest rate based on credit score and loan to value ratio. 80% maximum loan to value based on current tax assessment. Minimum loan amount $20,000.00. Reconveyance fee paid at end of loan. Properties located in Oregon and Washington Only. |