Competitive Rates for our members
Effective 1/1/2024
| Accounts | Dividend Rate | APY | Minimum Balance | Dividends Compounded and Credited |
| Savings | 0.05% | 0.05% | $5.00 | Monthly |
| 90 Day CD | 3.95% | 3.95% | $500.00 | At Maturity |
| 6-Month CD | 4.00% | 4.00% | $500.00 | At Maturity |
| 9-Month CD | 4.25% | 4.25% | $500.00 | At Maturity |
| 1 Year CD | 4.50% | 4.50% | $500.00 | At Maturity |
| Tax Reserve | 0.05% | 0.05% | $5.00 | Monthly |
| Christmas Club | 0.05% | 0.05% | $5.00 | Monthly |
| Checking | 0.00% | 0.00% | n/a | n/a |
| Money Market | 2.00% | 2.00% | $5,000.00 | Monthly |
| Consumer Loans | APR | Daily Periodic | Maximum Payment Period | Loan Description |
| 2022 and newer Cars, Trucks, Vans, and SUVs | 5.50% up to 17.95% |
0.015068% up to 0.049178% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2012 - 2021 Autos, Trucks, Vans, and SUVs | 5.50% up to 17.95% |
0.015068% up to 0.049178% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2011 and older Autos, Trucks, Vans, and SUVs | 5.50% up to 17.95% |
0.015068% up to 0.049178% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2022 and newer Motorcycles, Motorized scooters, and ATVs | 5.50% up to 17.95% |
0.015068% up to 0.049178% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2012 - 2021 Motorcycles, Motorized scooters, and ATVs | 5.50% up to 17.95% |
0.015068% up to 0.049178% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2011 and older Motorcycles, Motorized scooters, and ATVs | 5.50% up to 17.95% |
0.015068% up to 0.049178% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2022 and newer Boats and Personal Watercraft | 7.15% up to 17.95% |
0.019589% up to 0.049178% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2012 - 2021 Boats and Personal Watercraft | 7.15% up to 17.95% |
0.019589% up to 0.049178% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2011 and older Boats and Personal Watercraft | 7.15% up to 17.95% |
0.019589% up to 0.049178% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2022 and newer Motorhomes, Travel Trailers, 5th Wheels, and Pop-up Tent Trailers | 7.15% up to 17.95% |
0.019589% up to 0.049178% |
84 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2012 - 2021 Motorhomes, Travel Trailers, 5th Wheels, and Pop-up Tent Trailers | 7.15% up to 17.95% |
0.019589% up to 0.049178% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| 2011 and older Motorhomes, Travel Trailers, 5th Wheels, and Pop-up Tent Trailers | 7.15% up to 17.95% |
0.019589% up to 0.049178% |
60 Months | Interest rate and term based on amount borrowed and personal credit history. |
| Signature Loans | 10.95% up to 17.95% |
0.030000% up to 0.049178% |
72 Months | Interest rate and term based on amount borrowed and personal credit history. |
| Personal Line-of-Credit | 10.95% up to 17.95% |
0.030000% up to 0.049178% |
NA | 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% | NA | Interest rate is fixed. No Late fee. No NSF fees. |
| Share-Secured Loans | 3% above Savings Rate | NA | 84 Months | 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% up to 18.00% |
0.013698 % up to 0.020547% |
5 - 7 Year Draw Period 10 Year Repayment |
No Application Fees 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 by Wall Street Journal plus a margin. The minimum monthly payment sis 1.5% of your balance or $100.00 whichever is higher, 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 the end of loan. |
| Home Equity Line (Interest Only) | 5.00% up to 18.00% |
0.013698 % up to 0.020547% |
5 - 7 Year Draw Period 10 Year Repayment |
Minimum Loan amount $10,000.00. 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 1.50% of your balance or $100.00 whichever is higher as of the most recent advance. The interest will be fixed for the first five years. At the end of the interest only draw period, the interest will revert back to a variable rate which can change quarterly based on Prime Rate as published in the Wall Street Journal plus a margin. 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 the end of loan. |
| 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. |