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Rates

Effective as of 1/13/2026

Vehicle Loans
Type of Loan APR* Fixed Rate APR* Variable Rate
Vehicle Loans 5.25% - 11.75% 7.25% - 13.25%
Boats, Recreation Vehicles, Motorcycles 7.50% - 13.50% 7.75% - 13.75%

Vehicle Loan Application

Other Loans
Type of Loan APR*
Signature 10.25% - 18.00% Fixed
Line Of Credit 11.50% - 18.00% Variable
Share Secured 2% Above Dividend Rate
Certificate Secured 2% Above Certificate Rate
VISA Credit Card 9.90% - 18.00% Fixed

Other Loan Application

Home Loans**
Type of Loans Term APR*
Home Equity Fixed or Variable Call Stephanie @ 503-643-1335
1st Mortgageixed or Variable Fixed or Variable

Mortgage Loan Application Home Equity/Line of Credit Loan Application Financial Calculators

* APR=Index+Margin. Index is Oregon Prime except share secured which the index is the Dividends paid on shares/certificates. All rates/Dividends are determined by Board and subject to change at any time.

** Range of rates applies to loans of 80% loan to value or less.

Your interest rate will be determined by your credit worthiness, credit history and term of the loan. All loans subject to credit approval. All consumer loan applications subject to $5.00 fee. Home-Equity loans subject to $100.00 fee.

Effective as of 09/6/2024

Rate & Fee Schedule/Truth-in-Savings Disclosure

Regular Share
Min. Balance Rate APY*
$5.00 & Up 0.10% 0.10%

Dividends will be credited monthly on the average daily balance.

APY = Annual Percentage Yield

Club Accounts
Min. Balance Rate APY*
$5.00 & Up 0.35% 0.35%

Dividends will be credited monthly on the average daily balance. A penalty for early withdrawals.

APY = Annual Percentage Yield

Share/IRA Certificates
Type of Share/CD Rate APY*
1 Month CD 0.15% 0.15%
3 Month CD 0.50% 0.50%
6 Month CD 2.80% 2.83%
1 Year CD 3.20% 3.25%
2 Year CD 3.25% 3.30%
3 Year CD 3.00% 3.04%
5 Year CD 2.75% 2.78%

Dividends will be compounded and credited monthly. The Annual Percentage Yield (APY) disclosed assumes that dividends remain in the account until maturity. Any withdrawal will reduce earnings. A penalty may be imposed for early withdrawals.

APY = Annual Percentage Yield

Money Market Rates
Balance Rate APY*
$2,500 - 9,999.99 0.25% 0.25%
$10,000 - 24,999.99 0.50% 0.50%
$25,000 - 49,999.99 1.00% 1.01%
$50,000 - 99,999.99 1.50% 1.53%
$100,000 - 249,999.99 2.00% 2.04%
Over $250,000 2.50% 2.56%

Financial Calculators

Dividend Rates and Annual Percentage Yields are subject to change without notice. Interest calculated monthly. Account balance calculated using average daily balance. Membership eligibility required.