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Rates

  • Savings Rates
  • Loan Rates

Savings Rates

Rates in effect as of May 1st, 2016 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 0.05% 0.05% 0.05%
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 0.45% 0.45% 0.34%
36 Month Share Certificate 0.50% 0.50% 0.37%
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)* 0.25% 0.25% 0.19%
24 month Bump Share Certificate****      
   $5,000.00 - 49,999.99 0.45% 0.45%

0.34%

   $50,000.00 - 99,999.99 0.47% 0.47% 0.35%
   $100,000.00 and up 0.49% 0.49% 0.37%
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 0.02% 0.02% 0.02%
Coverdell ESA Certificate 0.35% 0.35% 0.18%
24 month Bump IRA Certificate      
   $5,000.00 to $49,999.99 0.35% 0.35% 0.17%
   $50,000.00 to $99,999.99 0.40% 0.40% 0.20%
   $100,000.00 and up 0.45% 0.45% 0.22%
36 month Bump IRA Certificate      
   $5,000.00 to $49,999.99 0.45% 0.45% 0.22%
   $50,000.00 to $99,999.99   0.47% 0.47% 0.23%
   $100,000.00 and up 0.50% 0.50% 0.25%
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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