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Rates
Deposit Rates |
(Download PDF) | Rates Effective 11/11/1111 |
Product | Tier | Annual Percentage Yield (APY) |
---|---|---|
Fusion Checking | $0.01 - $10,000 | 2.00%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 |
Access Checking | n/a | n/a5 |
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.
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.
5Minimum to open an Access Checking account is $5. Courtesy Pay (Discretionary Overdraft) is not available on this account. Any items presented for payment on this account will be returned unpaid or declined if the available balance in the account is not sufficient to pay the item.
6The APY may change after account opening. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.
Product | Tier | Annual Percentage Yield (APY) |
---|---|---|
New Member Savings* | $0 - $499.99 | 4.75% |
$500 - $2,499.99 | 4.75% | |
$2,500 - $9,999.99 | 4.75% | |
$10,000 or more | 4.75% | |
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 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. To qualify for the New Member Savings, you must be a new member, open and maintain, in good standing, a qualified Advantis checking account and maintain a monthly direct deposit (ACH) of at least $100 to your Advantis checking account. The direct deposit must post and settle within each calendar month. New Member Savings account requirements are waived for your first statement cycle. When New Member Savings requirements are met, balances will earn a higher interest rate than the regular savings account for 12 months from the date the membership is opened. The account will automatically convert to Regular Savings on the last day of the calendar month following the 12 months from opening your New Member Savings. If you fail to meet the monthly requirements your account will be permanently converted to a Regular Saving account on the last day of the calendar month that qualifications were not met, and you will not qualify for the New Member Savings rate. Qualified checking accounts include any Advantis checking except HSA checking accounts.
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.
Product | Tier | Annual Percentage Yield (APY) |
---|---|---|
High-Growth Money Market | $0.01–$9,999.99 | 0.15% |
$10,000–$24,999.99 | 0.15% | |
$25,000–$99,999 | 0.40% | |
$100,000–$249,999 | 0.90% | |
$250,000 or more |
0.90% |
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 | 1.70% APY | 1.70 % APY | 1.70% APY |
12 Months | 2.00% APY | 2.00 % APY | 2.00% APY |
24 Months | 2.10% APY | 2.10% APY | 2.10% APY |
36 Months | 2.20% APY | 2.20% APY | 2.20% APY |
48 Months | 2.30% APY | 2.30% APY | 2.30% APY |
60 Months | 2.35% APY | 2.35% APY | 2.35% APY |
Bump Certificate | Range | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
18 Month Bump Certificate* *Only available for existing accounts |
$2,500 or more | 2.96% | 3.00% |
Featured Offers
Product | Amount | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
9 Month Promo Certificate | $500–$49,999.99 $50,000–$99,999.99 $100,000 or more |
3.93%
3.93%
3.93%
|
4.00%
4.00%
4.00%
|
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 % |
Health Savings Account Certificates1 | |||
---|---|---|---|
Term | $500 – $49,999 | $50,000 – $99,999 | $100,000 or more |
6 Months | 1.70% APY | 1.70% APY | 1.70% APY |
12 Months | 2.50% APY | 2.50% APY | 2.00% APY |
24 Months | 2.10% APY | 2.10% APY | 2.10% APY |
36 Months | 2.20% APY | 2.20% APY | 2.20% APY |
Loan Rates |
(Download PDF) | Rates Effective 11/11/1111 |
Mortgages1
Loan Type | Rate | APR | Points | 1-month payment* |
---|---|---|---|---|
15 Year Fixed Rate | 6.125% | 6.263% | 0.000% | $3742.75 |
20 Year Fixed Rate | 6.625% | 6.740% | 0.000% | $3312.98 |
30 Year Fixed Rate | 6.500% | 6.629% | 0.444% | $2781.10 |
5/6 ARM 100% | 6.125% | 7.391% | n/a | n/a |
5/6 ARM 30 Year | 5.500% | 7.123% | n/a | n/a |
Jumbo Mortgages2 |
Rates Effective October 7- October 12, 2024 |
Term | Rate | APR |
---|---|---|
30-year fixed |
7.25 - 8.25% |
7.336 – 8.346% |
1The annual percentage rates (APRs) for the 30 Year Fixed (360 Monthly Payments), 15 Year Fixed (180 Monthly Payments), and 5 Year adjustable rate loans (30-year term) are calculated based on a purchase of single family, owner occupied residence with a down payment of 20%, a loan amount of $440,000.00, and a property located in Multnomah County, Oregon. The annual percentage rates (APRs) for the 5 Year adjustable rate 100% Loan to Value (LTV) loans (30-year term) are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $440,000.00 and located in Multnomah County, Oregon.
The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $1650 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM and 5/5 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).
5/6 ARM loan payment example:
The initial 60 monthly payments with a rate of 5.5% is $2498.27. Followed by 300 monthly payments based on a 6-month rate adjustment frequency. The maximum first adjusted rate for this loan will never be more than 7.5%, with a maximum first payment of $3272. The maximum lifetime rate will never be more than 10.5% with an estimated maximum monthly payment of $3821.
100% LTV 5/6 ARM loan payment example:
The initial 60 monthly payments with a rate of 6.125% is $2673.49. Followed by 300 monthly payments based on a 6-month rate adjustment frequency. The maximum first adjusted rate for this loan will never be more than 8.125%, with a maximum first payment of $3473. The maximum lifetime rate will never be more than 11.125% with an estimated maximum monthly payment of $4037.
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. Additional rates and programs are available.
2The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $767,000 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 7.25% interest rate, 7.336% APR would be $5232 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.
LOAN TYPE | TERM | INTEREST RATE | ANNUAL PERCENTAGE RATE (APR) |
---|---|---|---|
Home Equity Line of Credit | n/a | 8.15% to 11.50% | 8.15% to 11.50% Variable |
Auto
TERMS | ANNUAL PERCENTAGE RATE | TYPE | |
---|---|---|---|
2020 & newer | up to 6 Yrs | As low as 6.74% | Fixed |
up to 7 Yrs | As low as 7.24% | Fixed | |
up to 8 Yrs | As low as 8.49% | Fixed | |
2019 -2015 | up to 6 Yrs | As low as 7.24% | Fixed |
up to 7 Yrs | As low as 7.74% | Fixed | |
2014 & older | up to 5 Yrs | As low as 8.24% | Fixed |
Start Auto Loan | up to 6 Yrs | See rates above | Fixed |
Motorcycles
TERMS | ANNUAL PERCENTAGE RATE | TYPE | |
---|---|---|---|
2015 & 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 |
Boat
TERMS | ANNUAL PERCENTAGE RATE | TYPE | |
---|---|---|---|
New (2019 & newer) | 10 Yrs | 9.39% to 12.39% | Fixed |
15 Yrs | 9.89% to 12.89% | Fixed | |
Used (2018 & older) | 10 Yrs | 11.19% to 14.19% | Fixed |
15 Yrs | 11.69% to 14.69% | Fixed |
RV
TERMS | ANNUAL PERCENTAGE RATE | TYPE | |
---|---|---|---|
New & Used (2019 & newer) | 10 Yrs | 10.06% to 13.06% | Fixed |
15 Yrs | 10.56% to 13.56% | Fixed | |
Used (2018 & older) | 10 Yrs | 11.36% to 14.36% | Fixed |
15 Yrs | 11.86% to 15.86% | Fixed |
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 |
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 |
LOAN TYPE | TERMS | ANNUAL PERCENTAGE RATE | TYPE |
---|---|---|---|
Start Personal Loan1 | Up to 3 yrs | 16.40% to 24.40% | Fixed |
LOAN TYPE | TERMS | ANNUAL PERCENTAGE RATE | TYPE |
---|---|---|---|
Personal Loan1 Special Offer Rates |
Up to 5 yrs | 11.99% to 19.99 % | Fixed |
1APR=Annual Percentage Rate. APRs range from 11.99% to 19.99%. 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 11.99% would be $22.24 per $1000 borrowed.
LOAN TYPE | TERMS | ANNUAL PERCENTAGE RATE | TYPE |
---|---|---|---|
Personal Flex Line of Credit1 | N/A | 14.74% to 23.74% | Variable |
Business Rates |
(Download PDF) | Rates Effective 11/11/1111 |
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% |
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% |
TIER | ANNUAL PERCENTAGE YIELD (APY*) |
---|---|
under $2,500 | 0.00% |
$2,500 - $9,999.99 | 0.15% |
$10,000 - $24,999.99 | 0.15% |
$25,000 - $99,999.99 | 0.40% |
$100,000 - $249,999.99 | 0.90% |
$250,000 or more | 0.90% |
Business Certificates | |||
---|---|---|---|
Term | $500-$49,999.99 | $50,000 – $99,999.99 | $100,000 or more |
6 Months | 1.70% APY | 1.70% APY | 1.70% APY |
12 Months | 2.00% APY | 2.00% APY | 2.00% APY |
24 Months | 2.10% APY | 2.10% APY | 2.10% APY |
36 Months | 2.20% APY | 2.20% APY | 2.20% APY |
48 Months | 2.30% APY | 2.30% APY | 2.30% APY |
60 Months | 2.35% APY | 2.35% APY | 2.35% APY |
Bump Certificate* | Range | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
18 Month Bump Certificate* *Only available for existing accounts |
$2,500 or more | 2.96% | 3.00% |
Featured Offers
Product | Amount | Interest Rate | Annual Percentage Yield (APY) |
---|---|---|---|
9 Month Promo Certificate | $500–$49,999.99 $50,000–$99,999.99 $100,000 or more |
3.93%
3.93%
3.93%
|
4.00%
4.00%
4.00%
|