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f - fixed

v - variable

*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 ¼%. 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.
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.

^▲ The quoted rate is established by adding a margin to the Prime rate. Rates vary based on term of loan. Other terms and conditions apply, see the credit union for details.

¹ No annual fee. 25-day grace period for purchases. Credit limits to $25,000. No Credit Union fees for cash advances.

³ Borrow up to $50,000 for new computers, including software and peripherals, new office furniture, other business equipment, etc. Borrower is responsible for any UCC filing fees.

⁴ The Annual Percentage Rate is variable and subject to change on the first of each month. The quoted rate is established by adding a factor (based on borrower’s credit profile) to the 26-week Treasury Bill rate, rounded up to the nearest ¼%.

⁵ Maximum loan amount is $50,000.

⁹ Maximum loan amount is $200,000.

¹⁰ Loans are secured by an agent’s book of business. Other terms and conditions apply, see credit union for details.

¹¹ 90-day deferment period followed by a 6-month amortization period. The deferral period will only apply to the first installment for loans funded under this program.