Auto Loans
| Account Type | APR | % Financing | Terms (months) |
|---|---|---|---|
| Auto Loans1 | |||
| 2020 to current model year | Up to 100% | 0-36 | |
| Up to 100% | 0-48 | ||
| Up to 100% | 0-60 | ||
| Up to 100% | 0-72 | ||
| Up to 100% | 0-84 | ||
| 2015-2019 | Up to 100% | 0-36 | |
| Up to 100% | 0-48 | ||
| Up to 100% | 0-60 | ||
| 2014 or older | Up to 100% | 0-36 | |
| Up to 100% | 0-48 |
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.
*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.
1- Borrowers may also include tax, license and the cost of insurance products made available through NW Preferred in the amount borrowed, some restrictions may apply.
Sport Vehicles (Motorcycle, ATV & Personal Watercraft)
| Account Type | APR | FINANCING | Terms (months) |
|---|---|---|---|
| New Sport Vehicles | Up to 100% | 0-48 | |
| Up to 100% | 0-722 | ||
| Used Sport Vehicles | Up to 100% | 0-48 | |
| Up to 100% | 0-60 2 |
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.
*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.
2- 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%.
Used Sports Vehicles
| Account Type | APR | % Financing | Terms (months) |
|---|---|---|---|
| Used Sport Vehicles | Up to 100% | 0-48 | |
| (Motorcycle, ATV & Personal Watercraft) | Up to 100% | 0-60 2 |
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.
*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.
2- 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%.
Boat & RV Loans
| Account Type | APR | Financing | Terms (months) |
|---|---|---|---|
| Boat & RV Loans3 | |||
| 2021 to current model year | Up to 90% | 0-60 | |
| Up to 90% | 0-2402,4 | ||
| 2020 or older | Up to 90% | 0-60 | |
| Up to 90% | 0-1802,4 |
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.
*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.
2- 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%.
3- Maximum Boat loan amount not to exceed $100,000. Maximum RV loan amount not to exceed $200,000.
4- If the RV or boat qualifies as a residence (has sleeping, sanitation and food preparation capabilities) the loan qualifies for extended terms.
Personal Loans
| Account Type | APR | Terms (months) | Maximum Limit |
|---|---|---|---|
| Personal Loan | 0-60 | Up to $25,000 | |
| Personal Line of Credit2 | 0-60 | Up to $25,000 |
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.
*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.
2- 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%.
Mortgage Loans
| Account Type | APR | % Financing | Terms |
|---|---|---|---|
| Mortgage Loans | Call for details or visit mycreditunion.com/traditionalmortgage |
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 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.
Adjustable Rate Mortgage
| Account Type | Rate | APR 16 | % Financing | Terms |
|---|---|---|---|---|
| Adjustable Rate Mortgage (ARM)5,6,7,14,15**
(Primary Residence,Vacation/Secondary Homes or Rentals) | ||||
| 1/1 ARM - First Trust Deed Only | Up to 75% | 1 year fixed; then adjusts annually | ||
| 3/1 ARM - First Trust Deed Only | Up to 75% | 3 year fixed; then adjusts annually | ||
| 5/1 ARM - First Trust Deed Only | Up to 75% | 5 year fixed; then adjusts annually |
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.
*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.
**All ARM (Adjustable Rate Mortgages) products reprice with the 1 year US Treasury Securities, also known as TCM (Treasury Constant Maturities). The maximum loan amount is $500,000 and maximum term is 30 years for primary residence only. The maximum term for non-owner occupied (vacation/secondary homes or rentals) is 15 years. The maximum we will lend for Vacation homes is $250,000. The maximum we will lend for Rental property is $200,000.
5-Origination fees applicable: Home Equity Line of Credit - no fee, Home Equity Loan $500 and ARM $1,500. The borrower is responsible for all third party fees — such as appraisal, title insurance, filing, flood determination and/or tax service fees if applicable.
6- Minimum loan amount is $50,000, maximum loan amount is $500,000.
7- Rate quoted is for credit score of 640 or better. First trust deed position only. The maximum loan to value is 80%; maximum term is 30 years.
14- The only ARM option for Vacation/Secondary or Rental Homes is the 3/1 ARM.
15- Currently only available in these states: AK,AZ,CA,ID,MT,NV,OR,UT,WA
16- The APR is based on a loan amount of $160,000 and includes applicable origination fees.
Home Equity Loan
| Account Type | Rate | APR 16 | % Financing | Terms |
|---|---|---|---|---|
| Home Equity Loan5,8,9,15 (Second Trust Deed - Principal Residence Only) | Up to 75% | 7 year | ||
| Up to 75% | 10 year | |||
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.
*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.
5- Origination fees: $500. The borrower is responsible for all third party fees — such as appraisal, title insurance, filing, flood determination and/or tax service fees if applicable.
8- Home Equity Loan minimum amount is $50,000, maximum amount is $250,000. Home Equity Line of Credit minimum amount is $25,000, maximum amount is $250,000..
9- Loan to value is subject to lien position. The maximum loan to value is 80%.
15- Currently only available in these states: AK,AZ,CA,ID,MT,NM,NV,OR,UT,WA
16- The APR is based on a loan amount of $160,000 and includes applicable origination fees.
Home Equity Line of Credit
| Account Type | Rate | APR 16 | % Financing | Terms |
|---|---|---|---|---|
| Home Equity Line of Credit5,8,10,11,15 (First or Second Trust Deed) | Up to 75% | 10 year | ||
| Up to 75% | 20 year |
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.
*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.
5- Origination fees applicable: Home Equity Line of Credit - no fee, Home Equity Loan $500 and ARM $1,500. The borrower is responsible for all third party fees — such as appraisal, title insurance, filing, flood determination and/or tax service fees if applicable.
8- Home Equity Loan minimum amount is $50,000, maximum amount is $250,000. Home Equity Line of Credit minimum amount is $25,000, maximum amount is $250,000.
10- The Annual Percentage Rate is variable and subject to change on the first of each month. The quoted rate is established by adding margin to the Prime rate. All HELOC loans subject to an annual fee if the loan balance is below $25,000.
11- Line of Credit is based on property valuation, term and total encumbrances.
15- Currently only available in these states: AK,AZ,CA,ID,MT,NM,NV,OR,UT,WA
16- The APR is based on a loan amount of $160,000 and includes applicable origination fees.
Credit Cards
| Type | APR | Rewards Program |
|---|---|---|
| Preferred VISA, 12* | Preferred Rewards | |
| Secured VISA 13 | 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.
*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.
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.