Rates

DEPOSIT RATES
LOAN RATES
BUSINESS RATES

Deposit Rates

(Download PDF) | Rates Effective 11/11/1111

Checking

Product	Tier	Annual Percentage Yield (APY)
Fusion Checking	$0.01 - $10,000	1.50%¹
	$10,000.01 - $25,000	1.50%¹
	$25,000.01 or more	0.10%¹
Start Checking	n/a	n/a³
Cashback Checking	n/a	n/a⁴
HSA Interest Checking	$0 - $2,499.99	0.05%⁶
	$2,500 - $9,999.99	0.05%⁶
	$10,000 or more	0.05%⁶

¹*APY= Annual Percentage Yield. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; and receive statements electronically. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded.

³Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account.

⁴Minimum to open a Cash Back Checking is $25. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. The account cycle runs from the first day of the month to the last day of the month. If you close your Cashback Checking account, you will not receive any cash back for purchases posted during the month you close your account. Only applicable to purchases made with your debit card tied to your Cashback Checking account.

⁶The APY may change after account opening. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

Savings

Product	Tier	Annual Percentage Yield (APY)
New Member Savings	$0 - $499.99	4.00%
	$500 - $2,499.99	4.00%
	$2,500 - $9,999.99	4.00%
	$10,000 or more	4.00%
Regular Savings	$0 - $499.99	0.00%
	$500 - $2,499.99	0.05%
	$2,500 - $9,999.99	0.05%
	$10,000 or more	0.05%
Holiday and Tax Account	$0 - $499.99	0.00%
	$500 - $2,499.99	0.05%
	$2,500 - $9,999.99	0.05%
	$10,000 or more	0.05%
Youth Account	n/a	0.05%
Start Savings Account	$0.01–$500	1.00%
	$500.01 or more	0.05%

The APY may change after account opening. Minimum amount to open a New Member Savings, Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5.

New Member Savings available to new members, 18 years or older, only, existing members are not eligible for the New Member Savings. One account per member. “New Members” are individuals or businesses that have not had an account as primary owner within the previous 6 months. The New Member Savings will convert to a Regular Savings account on the first day of the month following twelve-months from account opening.

You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. Transaction restrictions apply.

Money Market

Product	Tier	Annual Percentage Yield (APY)
High-Growth Money Market	$0.01–$9,999.99	0.25%
	$10,000–$24,999.99	0.25%
	$25,000–$99,999	0.50%
	$100,000–$249,999	1.00%
	$250,000 or more	1.00%

¹The APY may change after account opening. Minimum amount to open a High-Growth Money Market account is $2,500. Transaction Limitations apply.

CDs

High Growth CDs IRA option available on all terms
Term	$500-$49,999.99	$50,000 – $99,999.99	$100,000 or more
6 Months	1.35% APY	1.35% APY	1.35% APY
12 Months	5.00% APY	5.00% APY	5.00% APY
24 Months	2.00% APY	2.00% APY	2.00% APY
36 Months	2.10% APY	2.10% APY	2.10% APY
48 Months	2.00% APY	2.00% APY	2.00% APY
60 Months	2.00% APY	2.00% APY	2.00% APY

Featured Offers

Product	Amount	Interest Rate	Annual Percentage Yield (APY)
17 Month Promo Certificate	$500 or more	4.65%	4.75%
18 Month Promo Certificate	$2,500 or more	2.96%	3.00%

¹Minimum amount to open a Certificate account is $500. ¹Minimum amount to open a 18-month Bump Certificate account is $2,500. Rates are subject to change without notice. Cannot add funds to the17-month Certificate of Deposit after account opening. For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate. Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

IRAs

Product	Tier	Annual Percentage Yield (APY)
High-Growth IRA	$0.00-$24,999	0.05%
	$25,000–$49,999	0.10%
	$50,000–$99,999	0.10%
	$100,000 or more	0.10 %

¹The APY may change after account opening. Minimum amount to open a High-Growth IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.

HSA Certificates

Health Savings Account Certificates¹
Term	$500 – $49,999	$50,000 – $99,999	$100,000 or more
6 Months	1.35% APY	1.35% APY	1.35% APY
12 Months	5.00% APY	5.00% APY	5.00% APY
24 Months	2.00% APY	2.00% APY	2.00% APY
36 Months	2.10% APY	2.10% APY	2.10% APY

¹Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal. Rates are subject to change without notice. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings.

Loan Rates

(Download PDF) | Rates Effective 11/11/1111

Mortgages

Mortgages¹

Loan Type	Rate	APR	Points

Jumbo Mortgages

Rates Effective August 7-11, 2023

Term	Rate	APR
30-year fixed	7.125 - 8.125%	7.202 – 8.210%

¹The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $725,000 and a 80% Loan to Value. The property is located in Multnomah county, OR . The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740. The rate lock period is 60 days. Payment for a 30-year fixed rate Jumbo Mortgage Loan at 7.125% interest rate, 7.202% APR would be $4885 for 360 months. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Please contact one of our Mortgage Loan Officers for all other scenarios and get a customized rate quote.

Home Equity Line of Credit

LOAN TYPE	TERM	INTEREST RATE	ANNUAL PERCENTAGE RATE (APR)
Home Equity Line of Credit	n/a	8.65% to 11.65%	8.65% to 11.65% Variable

¹All home equity rates are based on your credit history, current credit report and loan to value ratio. The HELOC is a variable rate loan. All loans are subject to underwriting approval. For all real estate loans property insurance is required and flood insurance may be required. APR is based on Wall Street Journal Prime Rate plus or minus a margin. As of 07/26/2023 the Prime rate is 8.50%. Maximum APR is 12%. Floor APR is 3.99%. Closing costs range from $603.00 to $3,376.00, depending on loan amount, loan position and appraisal costs. This loan has a fixed rate conversion option. You may convert all or part of the outstanding balance up to 2 times during the draw period. First loan conversion is free; the fee for the second conversion is $50.00. The fee to reconvert back to a variable rate credit line is $100.00. Should you choose to convert to a fixed rate, your rate will be determined at the time of conversion based upon Prime Rate plus a margin and will be higher than your current rate.

Auto, RV, Boat, & Motorcycle

Auto

	TERMS	ANNUAL PERCENTAGE RATE	TYPE
2019 & newer	up to 6 Yrs	As low as 7.59%	Fixed
	up to 7 Yrs	As low as 8.09%	Fixed
	up to 8 Yrs	As low as 9.34%	Fixed
2018 -2014	up to 6 Yrs	As low as 8.09%	Fixed
	up to 7 Yrs	As low as 8.59%	Fixed
2013 & older	up to 5 Yrs	As low as 9.09%	Fixed
Start Auto Loan	up to 6 Yrs	See rates above	Fixed

¹APRs on auto loans range from 7.59% to 20.34% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Finance up to 120% of MSRP or Kelley Blue Book plus title, license and registration fees. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Payments on a 60-month fixed rate loan at 7.59% APR would be $20.08/month per $1000 borrowed; Payments on 60-month fixed rate loan at 20.34% APR would be $26.68/month per $1000 borrowed; Payments on a 72-month fixed rate loan at 7.59% APR would be $17.33/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 20.34%APR would be $24.15/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 8.09% would be $15.63/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 15.34% would be $19.49/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 9.34% would be $14.83/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 11.34% would be $15.89/month per $1000 borrowed. Underwriting approval is required. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. The Start Auto Loan Program is subject to credit approval, terms are limited up to 72 months with financing of up to 100% of MSRP/Kelley Blue Book; collateral mileage must be less than 100k. Applies to autos less than 10 years old. ++ Interest begins to accrue from the date of origination, Loans that are not eligible to receive the deferred payment option include: internal auto refinances, Start auto loans, recreational vehicles and unsecured. vehicles and unsecured.

Motorcycles

	TERMS	ANNUAL PERCENTAGE RATE	TYPE
2014 & newer	up to 5 Yrs	8.56% to 10.56%	Fixed
	up to 6 Yrs	9.06% to 11.06%	Fixed
	up to 7 Yrs	9.56% to 11.56%	Fixed

¹For all Motorcycle loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 8.56% would be $20.55/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 10.56% would be $21.52/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 9.56% would be $16.37/month for 84 months per $1000 borrowed; payments on a 7- year loan at 11.56% would be $17.42/month for 84 months per $1000 borrowed. All loans are subject to underwriting approval. Maximum LTV for Motorcycles is up to 125% MSRP or NADA Retail but may be lower depending upon qualifications.

Boat

	TERMS	ANNUAL PERCENTAGE RATE	TYPE
New (2018 & newer)	10 Yrs	9.39% to 12.39%	Fixed
	15 Yrs	9.89% to 12.89%	Fixed
Used (2017 & older)	10 Yrs	11.19% to 14.19%	Fixed
	15 Yrs	11.69% to 14.69%	Fixed

¹For all Boat loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new & used Boats is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Payment examples: Payments on a 10-year loan at 9.39% APR would be $12.88/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 14.19% APR would be $15.64/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 9.89% APR would be $10.68/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 14.69% APR would be $13.78/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.

RV

	TERMS	ANNUAL PERCENTAGE RATE	TYPE
New & Used (2018 & newer)	10 Yrs	10.06% to 13.06%	Fixed
	15 Yrs	10.56% to 13.56%	Fixed
Used (2017 & older)	10 Yrs	11.36% to 14.36%	Fixed
	15 Yrs	11.86% to 15.86%	Fixed

¹For all RV loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new RV is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Maximum LTV for used RVs is up to 85% of average NADA retail, plus title, license and warranty. Payment examples: Payments on a 10-year loan at 10.06% APR would be $13.25/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 14.36% APR would be $15.74/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 10.56% APR would be $11.09/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 15.86% APR would be $14.59 /month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.

Personal RV

	TERMS	ANNUAL PERCENTAGE RATE	TYPE
New units only	up to 5 Yrs	9.89% to 11.89%	Fixed
	up to 6 Yrs	10.39% to 12.39%	Fixed
	up to 7 Yrs	10.89% to 12.89%	Fixed

¹For all Personal RV loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 9.89% APR would be $21.19/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 11.89% APR would be $22.19/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 10.89% APR would be $17.06/month for 84 months per $1000 borrowed; Payments on a 7-year loan at 12.89% APR would be $18.13/month for 84 months per $1000 borrowed. This loan type is intended for financing of UTVs, ATVs, personal watercraft, snowmobiles, scooters, dirt bikes, cargo trailers, utility trailers, and drift boats. All loans are subject to underwriting approval. Maximum LTV for personal RV is up to 90% MSRP, plus tax, title, license, and warranty.

Credit CardS

CARD TYPE	ANNUAL PERCENTAGE RATE¹	TYPE
Signature Cashback Rewards	15.24% to 23.99%	Variable
Platinum	13.24% to 22.24%	Variable
Start Credit Card Program	13.24% to 22.24%	Variable
Secured	20.24%	Variable
Business Cashback Rewards	16.24% to 23.99%	Variable

¹APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 8.50%) plus a margin. APR is accurate as of 04/28/2023. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Credit limits between $250-$30,000. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details.

Start Personal Loan

LOAN TYPE	TERMS	ANNUAL PERCENTAGE RATE	TYPE
Start Personal Loan¹	Up to 3 yrs	16.40% to 24.40%	Fixed

¹APR=Annual Percentage Rate. APRs range from 16.40% to 24.40% and will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 3-year personal loan at 16.40% would be $35.35per $1000 borrowed for 36 months. The Start Personal Loan Requires a Parent or other co-signer if under 18 years old.

Personal Loan

LOAN TYPE	TERMS	ANNUAL PERCENTAGE RATE	TYPE
Personal Loan¹	Up to 5 yrs	12.90% to 20.90 %	Fixed

¹APR=Annual Percentage Rate. APRs range from 12.90% to 20.90%. APRs will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 12.90% would be $22.70 per $1000 borrowed.

Personal Flex LinE

LOAN TYPE	TERMS	ANNUAL PERCENTAGE RATE	TYPE
Personal Flex Line of Credit¹	N/A	15.24% to 24.24%	Variable

¹Variable rate line of credit from $250 to $30,000. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal.

Business Rates

(Download PDF) | Rates Effective 11/11/1111

Checking

Business Solutions Checking

TIER	ANNUAL PERCENTAGE YIELD (APY*)
under $2,500	0.05%
$2,500 - $24,999	0.05%
$25,000 - $49,999	0.05%
$50,000 or more	0.05%

¹APY may change after account opening. Minimum deposit to open a Business Solutions Checking account is $100. Fees may reduce earnings.

Savings

Business Savings

TIER	ANNUAL PERCENTAGE YIELD (APY*)
under $500	0.00%
$500 - $2,499	0.05%
$2,500 - $9,999	0.05%
$10,000 or more	0.05%

¹The APY may change after account opening. Minimum amount to open a Business Savings Account is $5. Transaction restrictions apply.

money market

Business Money Market¹

TIER	ANNUAL PERCENTAGE YIELD (APY*)
under $2,500	0.00%
$2,500 - $9,999.99	0.25%
$10,000 - $24,999.99	0.25%
$25,000 - $99,999.99	0.50%
$100,000 - $249,999.99	1.00%
$250,000 or more	1.00%

¹The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Transaction Limitations apply.

cds

Business Certificates
Term	$500-$49,999.99	$50,000 – $99,999.99	$100,000 or more
6 Months	1.35 % APY	1.35 % APY	1.35 % APY
12 Months	5.00% APY	5.00% APY	5.00% APY
24 Months	2.00% APY	2.00% APY	2.00% APY
36 Months	2.10% APY	2.10% APY	2.10% APY
48 Months	2.00% APY	2.00% APY	2.00% APY
60 Months	2.00% APY	2.00% APY	2.00% APY

Featured Offers

Product	Amount	Interest Rate	Annual Percentage Yield (APY)
17 Month Promo Certificate	$500 or more	4.65%	4.75%
18 Month Promo Certificate	$2,500 or more	2.96%	3.00%

¹Minimum amount to open a Certificate account is $500. Cannot add funds to the17-month Certificate of Deposit after account opening. ¹Minimum amount to open a 18-month Bump Certificate account is $2,500. Rates are subject to change without notice. For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate. Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.