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Rates

  • Savings Rates
  • Loan Rates

Savings Rates

Rates effective March 3rd, 2017 and are subject to change without notice.

 

Account Type
Dividend
Rate
Annual
Percentage
Yield
Early
Withdrawal
Rate
Savings Accounts
Owner Shares ,
Kitty Club* , Trend** and other shares
     
   $101.01 - 2,500.00 0.05% 0.05% 0.05%
   $2,501.01 - 5,000.00 0.05% 0.05% 0.05%
   $5,001.01 - 10,000.00 0.10% 0.10% 0.10%
   $10,001.01 - 25,000.00 0.20% 0.20% 0.20%
   $25,001.01 - 50,000.00 0.25% 0.25% 0.25%
   $50,001.01 - and up 0.30% 0.30% 0.30%
Special Shares 0.10% 0.10% 0.10%
Tax Escrow 0.15% 0.15% 0.15%
Holiday Club 0.05% 0.05% 0.04%
Local #290 Vacation Fund 0.05% 0.05% 0.05%
Certificates
6 Month Share Certificate 0.22% 0.22% 0.16%
12 Month Share Certificate 0.30% 0.30% 0.22%
18 Month Share Certificate 0.35% 0.35% 0.26%
24 Month Share Certificate 0.50% 0.50% 0.37%
36 Month Share Certificate 0.55% 0.55% 0.39%
Save to Win 12 Month Share Certificate      
   $25.00 - $500.00 2.00% 2.02% 2.00%
   $500.00 - $3,000.00 0.50% 0.50% 0.25%
   over $3,000.00 0.00% 0.00% 0.00%
Trend Savings Certificate 0.30% 0.30% 0.22%
Kitty Club Certificate (3, 6, & 9 mos)* 0.30% 0.30% 0.22%
24 month Bump Share Certificate****      
   $5,000.00 - 49,999.99 0.50% 0.50%

0.37%

   $50,000.00 - 99,999.99 0.52% 0.52% 0.39%
   $100,000.00 and up 0.54% 0.54% 0.40%
36 month Bump Share Certificate      
   $5,000.00 - 49,999.99 0.50% 0.50% 0.37%
   $50,000.00 - 99,999.99 0.52% 0.52% 0.39%
   $100,000.00 and up 0.54% 0.54% 0.40%
48 month Bump Share Certificate      
   $5,000.00 - 49,999.99 0.55% 0.55% 0.41%
   $50,000.00 - 99,999.99 0.57% 0.57% 0.43%
   $100,000.00 and up 0.59% 0.59% 0.44%
60 month Bump Share Certificate      
   $5,000.00 - 49,999.99 0.65% 0.65% 0.48%
   $50,000.00 - 99,999.99 0.70% 0.70% 0.52%
   $100,000.00 and up 0.75% 0.75% 0.56%
Share Drafts
750 Hi-Yield Draft Account 0.05% 0.05% 0.05%
Trend Checking Account** 0.05% 0.05% 0.05%
Market Checking Account      
   $2,000.00 to $10,000.00 0.20% 0.20% 0.20%
   $10,000.01 to 25,000.00 0.25% 0.25% 0.25%
   $25,000.01 and up 0.30% 0.30% 0.30%
E-Checking Account      
   $25.00 to $999.99 2.00% 2.02% 2.00%
   $1,000.00 to $9,999.99 1.00% 1.00% 1.00%
   $10,000.00 to $24,999.99 0.25% 0.25% 0.25%
   $25,000.00 and up 0.00% 0.00% 0.00%
IRA Accounts
Traditional, Roth and SEP IRA Shares      
    $100.00 to $25,000.00 0.20% 0.20% 0.15%
    $25,000.01 to $50,000.00 0.25% 0.25% 0.19%
    $50,000.01 and up 0.30% 0.30% 0.22%
Traditional, Roth and SEP IRA Certificate      
   12 Month Certificate 0.30% 0.30% 0.22%
   24 Month Certificate 0.35% 0.35% 0.26%
   36 Month Certificate 0.50% 0.50% 0.37%
Coverdell ESA Shares 0.20% 0.20% 0.15%
Coverdell ESA Certificate 0.35% 0.35% 0.18%
24 month Bump IRA Certificate      
   $5,000.00 to $49,999.99 0.45% 0.45% 0.22%
   $50,000.00 to $99,999.99 0.48% 0.48% 0.24%
   $100,000.00 and up 0.50% 0.50% 0.25%
36 month Bump IRA Certificate      
   $5,000.00 to $49,999.99 0.50% 0.50% 0.25%
   $50,000.00 to $99,999.99   0.52% 0.52% 0.26%
   $100,000.00 and up 0.54% 0.54% 0.27%
48 month Bump IRA Certificate      
   $5,000.00 to $49,999.99 0.50% 0.50% 0.25%
   $50,000.00 to $99,999.99 0.53% 0.53% 0.26%
   $100,000.00 and up 0.57% 0.57% 0.28%
60 month Bump IRA Certificate      
   $5,000.00 to $49,999.99 0.65% 0.65% 0.32%
   $50,000.00 to $99,999.99   0.70% 0.70% 0.35%
   $100,000.00 and up 0.75% 0.75% 0.37%
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*Kitty Club Accounts are for children ages 4-12.

**Trend Accounts are for youth 13 years old through college.

Loan Rates

 

Auto Loans Annual Percentage Rate
Standard Vehicles 2.24% - 11.90%
Non-Standard Vehicles 4.99% - 15.00%
New RV 4.99% - 13.99%
Used RV 5.49% - 14.49%
2-Wheeled Vehicles 5.99% - 14.99%
Watercraft 6.24% - 15.24%
ATV/Utility Vehicles 6.24% - 15.24%
* Specific rates are based solely on credit score. Please call us at 503-283-5193 for more information!

 

Share Secured Loans
Annual Percentage Rate 4.00%
Daily Periodic Rate 0.010958904
Index Owner Share Dividend Rate
Margin 3.00% Above
Other Info Min 4.00%

 

Certificate Secured Loans
Annual Percentage Rate 5.75%
Daily Periodic Rate 0.015753425
Index Certificate Dividend Rate
Margin 3.00% Above
Other Info Min 5.75%

 

VISA Line of Credit
Credit Score 700 + 641-699 640 -
Annual Percentage Rate 8.90% 12.75% 16.50%
Daily Periodic Rate 0.024383562 0.034931507 0.045205479

 

Personal Loans
Annual Percentage Rate 8.90% - 17.90%
Daily Periodic Rate 0.042465753
Repayment Period (months) 24
Other Info Closed End Loan

 

Line-of-Credit
Credit Score 700 + 641-699 640 -
Annual Percentage Rate 9.90% 13.90% 15.50%
Daily Periodic Rate 0.027123288 0.038082192 0.042465753
Index Fixed Rate Prime Rate Prime Rate
Margin - 6.90% above 9.00% above

 

Credit Builder
Credit Score no credit less than 590 590-640
Annual Percentage Rate 10.90% 15.90% 13.90%
Daily Periodic Rate 0.029863013 0.043561643 0.038082192

 

 

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