OnPoint Loans of All Types

We’ve got the cash you need!

Personal Loans

Borrow up to $5,000
Competitive fixed rate

Personal Lines of Credit

Borrow $100 - $25,000 and use it as you need it
Competitive variable rate
Unlimited uses, including as overdraft protection on your checking account

Collateral Loans

Ideal for financing a motorcycle, snowmobile or other collateral with a title
Finance up to 80% of your new purchase for up to 48 months at a fixed interest rate

Savings Secured Loan & Line of Credit

Borrow up to the balance in your Savings
Variable interest rate 3% over what your Savings account currently earns

Payday Advantage Loan

Don’t have to wait until payday when you're confronted with unexpected expenses
Safer alternative to standard payday loans that can have high fees and interest rates

Apply Now!

Loan Details
Today's Rates


Loan Details
	Personal Loans	Personal Lines	Collateral Loans	Savings Secured Loan and Line of Credit	Payday Advantage Loan
Loan Amount	Up to $5,000	Up to $25,000	Up to 80% of new purchase	Up to the balance in your Savings accounts	$50 - $600¹
Rate Type	Fixed	Variable	Fixed	Variable	Fixed
Pre-payment Penalty	No	No	No	No	No
Application fee	None	None	None	None	None
¹Rate with automatic payment is 12.00%. Maximum loan amount is 20% of member’s next paycheck or $600, whichever is less.


Other Loan Rates⁴Rates Effective: January 21, 2009
		Annual Percentage Rate with Automatic Payment	Annual Percentage Rate without Automatic Payment	Limit
Personal Loan (36 Month Repayment)	fixed rate	16.00%	16.50%	$5,000
Personal Line of Credit (PLOC)	variable rate	13.25%¹	13.75%¹	$100 - $25,000
Savings or TDF Secured Loan	variable rate	3.10%²	3.60%²	Savings Balance
Savings or TDF Secured Line of Credit	variable rate	3.10%²	3.60%²	Savings Balance
CD Secured Loan	fixed rate	declared rate on underlying CD + 3%	declared rate on underlying CD + 3%	CD Balance
Other Loans, older/other vehicles, other collateral (48 months)	fixed rate	12.50%	13.00%	80% LTV
Payday Advantage Loan	fixed rate	12.00%³	14.00%³	$50 - $600³
¹Rate is variable at Prime + 10.00% with automatic payment. Regular rate without automatic payment is Prime +10.50%. Subject to adjustment the 21st day of each month based on Prime Rate published in the Wall Street Journal the 10th day of the month (or on the next business day if the 10th falls on a weekend). Prime rate has been 3.25% APR since 1/12/09. Annual fee of $24.00. ²Rate with automatic payment is variable at declared rate on underlying savings plus 3.00%. Regular rate without automatic payment is variable at declared rate on underlying savings plus 3.50%. Subject to adjustment. ³Rate with automatic payment is 12.00%. Regular rate without automatic payment is 14.00%. Maximum loan amount is 20% of member's next paycheck or $600, whichever is less. ⁴A 36-month personal loan with an APR of 16.00% would have a monthly payment of $35.16 per $1,000 borrowed. A 48-month "other loan" (older/other vehicles, other collateral) with an APR of 12.5% would have a monthly payment of $26.58 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

All loan rates are determined by credit union management and subject to change at any time. The credit union may offer other rates in the future. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans subject to credit approval.