Make everyday more rewarding!
Preferred Rewards Visa is a new program that offers a great experience with an extensive reward catalog & exciting ways to earn!
Use your Preferred Rewards Visa credit card for all your purchases big and small. From groceries to fuel to utility bills, your everyday purchases will really pay off. You’ll be surprised how fast and easily you earn points.
An exciting rewards selection including:
Gift Cards
Convenient Online Travel Reservations
Live Events & Experiences
And Much More!
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1
Earn 1 point for every $1 spent
Using your Preferred Rewards Visa credit card
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2
Earn bonus points with our ShopSPOT programs.
Use your card online and/or in-store to receive bonus points at participating merchants.
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3
Spend. Earn. Redeem.
Redeem your points (within online banking) for just about anything including event tickets, Fuel With Points, travel and gift cards.
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1
Apply
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2
Review
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3
Approval
Rates
| Type | APR | Rewards Program |
|---|---|---|
|
Preferred VISA12* |
|
Preferred Rewards |
|
Secured VISA13 |
|
Preferred Rewards |
f - fixed
v - variable
a - adjustable
Rates and terms may vary based on a borrower’s credit qualifications. All loan rates are determined by Credit Union management and subject to change at any time. The Credit Union may offer other rates in the future. All services offered by the Credit Union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, Credit Union bylaws and all regulations, rules and practices now or hereafter adopted by the Credit Union. All loans subject to credit approval.
*APR=Annual Percentage Rate. The Annual Percentage Rate is variable and is figured on the following basis: The Annual Percentage Rate will be calculated on the last day of each calendar quarter. The Credit Union starts by calculating the index, which is the average auction rate on 26-week U.S. Treasury Bills for the prior 3 months, rounded up to the nearest ÂĽ%. The Credit Union adds a margin to the index. The amount of the margin is based on your credit profile and other factors the Credit Union deems appropriate. The margin for your account will be disclosed in a document provided when your account is opened. The total of the index plus the amount the Credit Union adds is the Annual Percentage Rate. The Annual Percentage Rate is divided by 12 to produce the monthly Periodic Rate. The adjustment of the Annual Percentage Rate affects your entire outstanding balance and is effective for the second full statement cycle following the calculation date. The minimum Annual Percentage Rate on your account is 8.75%. We will review your credit profile from time to time and may adjust the amount of the margin (and the resulting Periodic Rate and Annual Percentage Rate) based on your credit profile.
12 No annual fee. 25-day grace period for purchases. Credit limits to $25,000. No Credit Union fees for cash advances.
13 Credit limit is based on the balance in the savings you pledge to secure the credit card; minimum credit limit $500 and the savings balance pledged does not earn interest.
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