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Rates

Rates

Deposit Rates

Savings

 Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
Regular Savings $0 - $499 0.00%

$500 - $2,499 0.05%

$2,500 - $9,999 0.05%

$10,000 or more 0.05%
Holiday and Tax Account $0 - $499 0.00%

$500 - $2,499 0.05%

$2,500 - $9,999 0.05%

$10,000 or more 0.05%
Youth Account n/a 0.05%
Start Savings Account $0.01–$500
$501 or more		 1.00%
0.05%
1The APY may change after account opening. Minimum amount to open a Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5. 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.


Checking

 Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
Fusion Checking $0 - $25,000 0.90%1

$25,000.01 or more 0.10%1
Interest Checking $0 - $2,499 0.05%2

$2,500 - $24,999 0.05%2

$25,000 - $49,999 0.05%2

$50,000 or more 0.05%2
Start Checking n/a n/a3
Cashback Checking n/a n/a4
HSA Interest Checking $0 - $2,499 0.05%5

$2,500 - $9,999 0.05%5

$10,000 or more 0.05%5

1*APY= Annual Percentage Yield. APY is accurate as of 11/01/2020. 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; receive statements electronically and log in to online banking at least once. 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.

2The APY may change after account opening. Minimum amount to open an Interest Checking account is $25. There is a $1000 minimum balance requirement to avoid a service fee for interest checking. Fees may reduce earnings.

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.

4 Minimum 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.

5The APY may change after account opening. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.


IRAs

 Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
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.”



Money Market

 Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)1
High-Growth Money Market $0.01–$24,999 0.05%

$25,000–$99,999 0.10%

$100,000–$249,999 0.10 %

$250,000 or more 0.10%

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



High-Growth CDs1

 Rates Effective 11/01/2020
IRA option available on all terms.
Term Tier Annual Percentage Yield (APY)
6 months $500 – $49,999 0.10%

$50,000 – $99,999 0.10%

$100,000 or more 0.15%
12 Months $500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20 %
24 Months $500 - $49,999 0.15%

$50,000 - $99,999 0.25%

$100,000 or more 0.30%
36 Months $500 - $49,999 0.60%

$50,000 - $99,999 0.75%

$100,000 or more 0.80%
48 Months $500 - $49,999 0.30%

$50,000 - $99,999 0.45 %

$100,000 or more 0.50 %
60 Months $500 - $49,999 0.35%

$50,000 - $99,999 0.55%

$100,000 or more 0.60%

1Minimum amount to open a Certificate account is $500. Rates are subject to change without notice. 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.



Bump Certificates1

 Rates Effective 11/01/2020
Term Tier Annual Percentage Yield (APY)
18 Month Bump $2,500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%

1Minimum amount to open a 18-Month Bump Certificate account is $2,500. Rates are subject to change without notice. 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 18-month Bump Certificates, you may increase your rate once 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. For IRA certificates, there is a plan closure fee which may reduce earnings.


Health Savings Account Certificates1

 Rates Effective 11/01/2020
Term Tier Annual Percentage Yield (APY)
6 months $500 – $49,999 0.10%

$50,000 – $99,999 0.10%

$100,000 or more 0.15%
12 Months $500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%
24 Months $500 - $49,999 0.15%

$50,000 - $99,999 0.25%

$100,000 or more 0.30%
36 Months $500 - $49,999 0.60%

$50,000 - $99,999 0.75%

$100,000 or more 0.80%

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


Rates Effective 11/01/2020
Card Type Annual Percentage Rate1
Signature Cashback Rewards 10.24% to 19.24 % Variable
Platinum 8.24% to 17.24% Variable
Start Credit Card Program 8.24% to 17.24% Variable
Secured 15.24% Variable
Business Cashback Rewards 11.24% to 20.24% Variable

1APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 3.50%) plus a margin. APR is accurate as of 5/5/2022. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details. 


Auto1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
2018 & newer up to 6 Yrs As low as 2.99% Fixed

up to 7 Yrs As low as 3.49% Fixed

up to 8 Yrs As low as 4.74% Fixed
2017 -2013 up to 6 Yrs As low as 3.49% Fixed

up to 7 Yrs As low as 3.99% Fixed
2012 & older up to 5 Yrs As low as 4.49% Fixed
Start Auto Loan up to 6 Yrs See rates above Fixed

1APRs on auto loans range from 2.99% to 15.74% 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 2.99% APR would be $17.96/month per $1000 borrowed; Payments on 60-month fixed rate loan at 15.74% APR would be $24.18/month per $1000 borrowed; Payments on a 72-month fixed rate loan at 2.99%APR would be would be $15.19/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 15.74%APR would be $21.55/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 3.49% would be $13.44 /month per $1000 borrowed; Payments on an 84-month fixed rate loan at 10.74% would be $16.99/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 4.74% would be $12.54/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 6.74% would be $13.50/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.



Start Personal Loan1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
Personal Loan Up to 3 yrs 9.90% to 17.90% Fixed

1APR= Annual Percentage Rate. APRs range from 9.90% to 17.90% 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 9.90% would be $32.22 per $1000 borrowed for 36 months. The Start Personal Loan Requires a Parent or other co-signer if under 18 years old.

Personal Loan1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
Personal Loan Up to 5 yrs 9.40% to 17.40% Fixed

1APR= Annual Percentage Rate. APRs range from 9.40% to 17.40%. 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 9.40% would be $20.95 per $1000 borrowed

Personal Flex Line1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
Line of Credit N/A 10.74% to 19.74% Variable

1Variable rate line of credit from $250 to $50,000. 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.


Personal RV Loans1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
New Units Only Up to 5 years 4.49% to 6.24% Fixed

Up to 6 years 4.99% to 6.74% Fixed

Up to 7 years 5.49% to 7.24% 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 4.49% APR would be $18.64/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 6.24% APR would be $19.44/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 5.49% APR would be $14.37/month for 84 months per $1000 borrowed; Payments on a 7-year loan at 7.24% APR would be $15.21/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.


RV Loans1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
New & Used (2016 & newer) 10 years 5.74% to 8.24% Fixed

15 years 6.24% to 8.74% Fixed
Used (2015 & older) 10 years 7.04% to 9.54%
 Fixed

15 years 7.54% to 11.04% 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 5.74% APR would be $10.97/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.54% APR would be $12.96/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 6.24% APR would be $8.57/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 11.04% APR would be $11.39/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Boat Loans1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage Rate
New (2016 & newer) 10 years 4.74% to 7.24% Fixed

15 years 5.24% to 7.74% Fixed
Used (2015 & older) 10 years 6.54% to 9.04% Fixed

15 years 7.04% to 9.54% 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 4.74% APR would be $10.48/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 9.04% APR would be $12.69/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 5.24% APR would be $8.03/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 9.54% APR would be $10.47/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.


Motorcycles1

 Rates Effective 11/01/2020
Loan Type Terms Annual Percentage RatE
Model Years 2013 or newer Up to 5 yrs 4.49% to 6.24% Fixed

Up to 6 yrs 4.99% to 6.74% Fixed

Up to 7 yrs 5.49% to 7.24% 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 4.49% would be $18.63/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 6.24% would be $19.44/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 5.49% would be $14.37/month for 84 months per $1000 borrowed; payments on a 7- year loan at 7.24% would be $15.21/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.


Mortgages1

Rates Effective
Loan Type Rate APR Points

For FHA and Jumbo loans, contact a Mortgage Loan Officer for rates and a personalized quote.

1The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $330,000 and an estimated property value of $550,000. The property is located in Portland, OR and is within Multnomah county. 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. Please contact one of our Mortgage Loan Officers for all other scenarios and get a customized rate quote.

Jumbo Mortgage1
Loan Type RATE APR Rates Effective
30 Year Fixed Rate 4.875 – 5.875% 4.942 – 5.95% May 16 - 21, 2022

1The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $650,000 and a 75% 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 4.875% interest rate, 4.942% APR would be $3439 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 Credit1

 Rates Effective 11/01/2020
Loan Type Term Interest Rate Annual Percentage Rate (APR)
Home Equity Line of Credit n/a 3.99% to 7.40% 3.99% to 7.40% 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 May 4, 2022 the Prime rate is 4.00%. Maximum APR is 12%. Minimum APR is 3.99%.Closing costs range from $525.00 to $2,900.00, 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.

Business Rates

Business Solutions Checking1

 Rates Effective 11/01/2020
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.


Business Savings1

 Rates Effective 11/01/2020
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.


Business Money Market1

 Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY*)
Business Money Market under $2,500  0%

$2,500 - $24,999 0.05%

$25,000 - $99,999 0.10%

$100,000 - $249,999 0.10%

$250,000 or more 0.10%


1The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Minimum amount to open a Premium Money Market account is $50,000. Transaction Limitations apply.



Business Certificates1

 Rates Effective 11/01/2020

Tier Annual Percentage Yield (APY)
6 Month Certificate $500 - $49,999 0.10%

$50,000 - $99,999 0.10%

$100,000 or more 0.15%
12 Month Certificate $500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%
24 Month Certificate $500 - $49,999 0.15%

$50,000 - $99,999 0.25%

$100,000 or more 0.30%
36 Month Certificate $500 - $49,999 0.60%

$50,000 - $99,999 0.75%

$100,000 or more 0.80%
48 Month Certificate $500 - $49,999 0.30%

$50,000 - $99,999 0.45%

$100,000 or more 0.50%
60 Month Certificate $500 - $49,999 0.35%

$50,000 - $99,999 0.55%

$100,000 or more 0.60%
18 Month Bump Rate Special $2,500 - $49,999 0.10%

$50,000 - $99,999 0.15%

$100,000 or more 0.20%


1Rates for all accounts are accurate as of the date of this rate sheet and are subject to change without notice. For all Certificate accounts 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 18-month Bump Certificates, you may increase your rate once during the certificate term to the rate currently in effect for the 18-month Bump Certificate.























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