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Loan Rates

Loan Rates

Auto Loans

Account TypeAPR% FinancingTerms (months)
Auto Loans1
2018 to current model year3.24% - 17.99% fUp to 100%0-36
3.49% - 17.99% fUp to 100%0-48
3.74% - 17.99% f Up to 100%0-60
3.99% - 17.99% fUp to 100%0-72
4.24% - 17.99% fUp to 100%0-84
2013-20173.74% - 17.99% fUp to 100%0-36
3.99% - 17.99% fUp to 100%0-48
4.24% - 17.99% fUp to 100%0-60
2012 or older3.74% - 17.99% fUp to 100%0-36
3.99% - 17.99% fUp 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 TypeAPRFINANCINGTerms (months)
New Sport Vehicles6.49% - 17.99% fUp to 100%0-48
8.75% - 18.00% vUp to 100%0-722
Used Sport Vehicles7.49% - 17.99% fUp to 100%0-48
9.75% - 18.00% vUp 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 TypeAPR% FinancingTerms (months)
Used Sport Vehicles7.49% - 17.99% fUp to 100%0-48
(Motorcycle, ATV & Personal Watercraft)7.25% - 18.00% vUp 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 TypeAPRFinancingTerms (months)
Boat & RV Loans3
2019 to current model year4.99% - 17.24% fUp to 90%0-60
7.00% - 18.00% vUp to 90%0-2402,4
2018 or older5.99% - 17.99% fUp to 90%0-60
8.00% - 18.00% vUp 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.

▲- For fixed rate Boat & RV Loans the maximum standard term is 60 months; member may extend fixed rate term to 120 months by paying 40bp over the standard rate, subject to 18% cap.


Personal Loans

Account TypeAPRTerms (months)Maximum Limit
Personal Loan10.99% - 17.99% f0-60Up to $25,000
Personal Line of Credit210.00% - 18.00% v0-60Up 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 TypeAPR% FinancingTerms
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 TypeRateAPR 16% FinancingTerms
Adjustable Rate Mortgage (ARM)5,6,7,14,15**
(Primary Residence,Vacation/Secondary Homes or Rentals)
1/1 ARM - First Trust Deed Only5.75% a5.84% aUp to 80%1 year fixed; then adjusts annually
3/1 ARM - First Trust Deed Only6.75% a6.84% aUp to 80%3 year fixed; then adjusts annually
5/1 ARM - First Trust Deed Only7.00% a7.09% aUp to 80%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 TypeRateAPR 16% FinancingTerms
Home Equity Loan5,8,9,15
(Second Trust Deed - Principal Residence Only)
5.49% - 6.74% f5.58%- 6.84% fUp to 80%7 year
5.49% - 6.74% f5.56% - 6.81% fUp to 80%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 TypeRateAPR 16% FinancingTerms
Home Equity Line of Credit5,8,10,11,15
(First or Second Trust Deed)
5.75% v5.75% vUp to 80%10 year
6.50% v6.50% vUp to 80%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

TypeAPRRewards Program
Preferred VISA,12*8.75% - 18.00% vPassport Unlimited
Secured VISA 134.00% fPassport Unlimited

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.