Make your office SMARTer

f - fixed

v - variable

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.

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.

⁶ Loans are secured by an agent's Contract Value. Rate varies based on the term of the loan. Other terms and conditions apply, see credit union for details.

⁷ Maximum credit limit $300,000

⁸ Loans are secured by the DMs contract value. Other terms and conditions apply, contact the credit union for details

⁹ Preferred Agency Staffing Loans are secured by Contract Value. Rate varies based on borrower’s qualifications. Maximum loan amount $15,000.00 per hire / $45,000.00 maximum TOTAL loan amount, not to exceed 80% of available Contract Value. Minimum loan amount $500.00. Existing staff who were hired 90 days before loan application may also qualify. Offer letter, to be provided, must include new hire name and hire date.

¹⁰ 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.

¹¹ Maximum loan amount not to exceed 80% of the available contract value for borrower with a 680+ credit score. 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. For a $100,000 Contract Value loan with a term of 180 months at 9.24% APR the monthly payment will be $1029.