Personal Loan Rates

Auto Loan Rates

  •  Rates Effective: 05-06-2015
Available Terms Annual Percentage Rate (Fixed)1 Estimated Minimum Monthly Payment Alert Me
Cars, Trucks, Vans - New (2013-2015)2 36 - 84 Months3 1.94% -6.29% $225.50 based on a 6-year, $15,000 loan at 2.64% APR
Cars, Trucks, Vans - Used (2006-2012)2 36 - 84 Months4 2.39%-5.94% $227.50 based on a 6-year, $15,000 loan at 2.94% APR
Auto 2005 and older, motorcycle, sports vehicle5 Up to 48 Months 8.50% -9.50% $123.30 based on a 4-year, $5,000 loan at 8.50% APR
All loan and line of credit rates are determined by credit union management and are subject to change at any time. 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 and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
  • 1Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. (Payday Advantage loan discount is 2.00% for automatic payment.)
  • 2For auto model years 2006 and newer, maximum LTV is 100%. LTV is calculated using Kelly Blue Book retail value, MSRP, or purchase price, whichever is lowest. Vehicles meeting EPA Smartway Elite standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates.
  • 3New Auto 84-month term requires $15,000 minimum loan amount.
  • 4Used Auto 72 to 84-month terms available on model years 2010-2012 only.
  • 5For auto model years 2005 and older and other vehicle loans, maximum LTV is 80% unless otherwise noted.

Boat & RV Loan Rates

  •  Rates Effective 05-06-2015
Available Terms1 Annual Percentage Rate (Fixed)2 Estimated Minimum Monthly Payment Alert Me
RVs, Boats - New (2014 & 2015)3 60 - 180 Months 4.94% - 8.94% $171.46 based on a 10-year, $15,000 loan at 6.64% APR
RVs, Boats - Used (2006 - 2013)3 60 - 180 Months 5.44% - 9.44% $175.32 based on a 10-year, $15,000 loan at 7.14% APR
All loan and line of credit rates are determined by credit union management and are subject to change at any time. 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 and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
  • 1Maximum loan term determined by loan amount: $10,000 or less loan amount has a maximum loan term of 60 months, $10,000 - $50,000 loan amount has a maximum loan term of 120 months, and loan amounts over $50,000 have a maximum loan term of 180 months.
  • 2Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account.
  • 3For new and used RV/Boat, maximum LTV is 80% unless otherwise noted.

Home Equity Rates

  •  Rates Effective: 05-06-2015
Maximum Loan-To-Value Available Terms Annual Percentage Rate1 Estimated Minimum Monthly Payment Alert Me
EquityFlex Line of Credit Up to 80% LTV2 10-year draw period 3.25% - 3.75%
Variable APR3
1.5% of outstanding balance or $25, whichever is greater
80.01% - 100% LTV2 10-year draw period 5.25% - 5.75%
Variable APR3
1.5% of outstanding balance or $25, whichever is greater
EquityFlex Interest Only Line of Credit Up to 80% LTV 10-year draw period 3.25% - 3.75%
Variable APR3
Accrued interest on balance owed
EquityFlex Fixed Portion Option4 Up to 80% LTV 5 - 20 years 4.19% - 8.44%
Fixed APR
$303.84 based on a 15-year, $35,000 loan at 6.44% APR
80.01% - 100% LTV 10 - 15 years 8.19% - 11.44%
Fixed APR
$214.19 based on a 15-year, $20,000 loan at 9.94% APR
Streamline First Lien Fixed Portion Option5 Up to 70% LTV 5 - 15 years 3.50% - 4.50%
Fixed APR
$267.82 based on a 15-year, $35,000 loan at 4.50% APR
Non-Owner Occupied EquityFlex Line of Credit Up to 65% LTV 10-year draw period 5.00% - 5.50%
Variable APR3
1.5% of outstanding balance or $25, whichever is greater
Non-Owner Occupied Fixed Portion Option6 Up to 65% LTV 10 - 20 years 6.94% - 10.19%
Fixed APR
$338.47 based on a 15-year, $35,000 loan at 8.19% APR
All loan and line of credit rates are determined by credit union management and are subject to change at any time. 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 and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published. On all home equity products Member pays closing costs, which range between $125 - $2500 (estimate). This includes flood certification, appraisal, title insurance, and escrow fees if required. Must meet OnPoint's credit and underwriting requirements. Upon payoff/closure, a Deed of Trust reconveyance fee will be collected. Refer to the personal fee schedule at the time of payoff/closure for current amount due.
  • 1Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account.
  • 2Maximum amount financed is subject to equity value and OnPoint's credit and underwriting requirements. Maximum amount for fixed portions are determined by the existing line of credit limit. For EquityFlex Line of Credit with LTV over 80%, amount financed not to exceed $30,000. For EquityFlex Interest Only Line of Credit, amount financed not to exceed $100,000.
  • 3Line of Credit rates are variable and based on the Prime Rate plus a margin of 0% - 3.50%, depending on occupancy, LTV, and credit worthiness. Prime Rate is subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month (or next business day if the 10th falls on a weekend). Prime Rate has been 3.25% since 1/12/09. The maximum rate that may apply during the line of credit is 18.00% APR. All EquityFlex Lines of Credit include $25 Annual Fee, waived the first year.
  • 4With EquityFlex Line of Credit, you have the option of converting portions of your line of credit into a fixed rate balance. Fixed portion rates are set equal to the standard EquityFlex Fixed Portion rate at the time of conversion. The fixed portion amount must be at least $5,000 and no more than the total existing line of credit limit. Receive a 0.25% discount off stated APR when proceeds are used to purchase solar panels. Review of purchase order or invoice required to qualify. Discount applies to invoice/purchase order amount, not to exceed $12,000.
  • 5To qualify for Streamline Fixed Portion, home must be primary residence and OnPoint must be in first lien position. Fixed portion amount limited to the lesser of $250,000 or existing line of credit limit, but not to exceed 70% of home value.
  • 6Receive a 0.25% discount off stated APR when proceeds are used to purchase solar panels. Review of purchase order or invoice required to qualify. Discount applies to invoice/purchase order amount, not to exceed $12,000.

Other Loan Rates

  •  Rates Effective 05-06-2015
Available Terms Annual Percentage Rate (Fixed)1 Estimated Minimum Monthly Payment Alert Me
Personal Line of Credit N/A 13.25% - 15.25% Variable Rate2 2% of outstanding balance or $25, whichever is greater
Personal Loan3 Up to 36 Months 12.00% - 14.00% Fixed Rate $101.11 based on a 3-year, $3,000 loan at 13.00% APR
Savings or CD Secured Loan or Line of Credit4 N/A Pledged account interest rate plus 3.00% Loan: 2% of original balance or $25, whichever is greater
Line of credit: 2% of outstanding balance or $25, whichever is greater
Payday Advantage Loan See Terms and Conditions5 12.00% Fixed Rate $302.96 single payment based on a $300 payday advance at 12.00%
All loan and line of credit rates are determined by credit union management and are subject to change at any time. 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 and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
  • 1Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. (Payday Advantage loan discount is 2.00% for automatic payment.)
  • 2Personal Line of Credit rate is variable based on the Prime Rate plus a margin of 10.00% - 12.00%, depending on credit worthiness. Prime Rate is subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month (or next business day if the 10th falls on a weekend). Prime Rate has been 3.25% since 1/12/09. Personal Line of Credit includes $24 Annual Fee. Personal Line of Credit minimum $100 limit, not to exceed $25,000.
  • 3Personal Loan amount not to exceed $5,000.
  • 4Savings and CD Secured Loan or Line of Credit limited to pledged amount on savings or CD balance.
  • 5Payday Advantage Loan amount limited to 20% of member's paycheck or $600, whichever is less. Payment is due within five days of next payday, not to exceed one month. Limited to no more than six Payday Advantage Loans in a twelve month rolling period. Interest rate assumes 2.00% discount for automatic payment from a qualifying OnPoint account.

Signature Visa with Rewards®

  •  Rates Effective 05-06-2015
Alert Me
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 2.99% for introductory period of 6 months. After that, your APR will be 7.9%-12.9% depending on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 4.99% for introductory period of 12 months. After that, your APR will be 9.9%-14.9% depending on your credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 9.9%-14.9% depending on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR 3.0% above current Interest Rate - This APR may be applied when:
  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement
How long will the Penalty apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees $50 at the beginning of each year the Account is open (except the first year). This fee will be added to your account during the billing cycle in which the anniversary of the date your account was opened occurs.
Transaction Fees
Foreign Transaction Fee None
Penalty Fees
Late Payment Fee $25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100
Returned Check Fee $25
Card Replacement Fee $5
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). Minimum Payment: 2% of outstanding balance or $50.00, whichever is greater. We reserve the right to amend the OnPoint Signature VISA® with Rewards Credit Card Agreement as permitted by law. The above rates and fees are current as of 05-06-2015.

Platinum Visa® with Rewards

  •  Rates Effective 05-06-2015
Alert Me
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 3.99% for introductory period of 6 months After that, your APR will be 6.9%-16.9% based on credit worthiness. This APR will vary with the maket based on the Prime Rate.
APR for Balance Transfers 6.99% for introductory period of 12 months After that, your APR will be 8.9%-18.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 8.9%-18.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR 3.0% above current Interest Rate - This APR may be applied when:
  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement
How long will the Penalty apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Consumer Financial Protection To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees None
Transaction Fees
Foreign Transaction Fee Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees
Late Payment Fee $25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100
Returned Check Fee $25
Card Replacement Fee $5
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases) Minimum Payment: 2% of outstanding balance or $10.00, whichever is greater. We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law. The above rates and fees are current as of 05-06-2015.

Platinum Visa®

  •  Rates Effective 05-06-2015
Alert Me
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 3.99% for introductory period of 6 months After that, your APR will be 5.9%-15.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 6.99% for introductory period of 12 months After that, your APR will be 7.9%-17.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 7.9%-17.9% based on credit worthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR 3.0% above current Interest Rate - This APR may be applied when:
  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement
How long will the Penalty apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month.
For Credit Card Tips from the Consumer Financial Protection To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fees None
Transaction Fees
Foreign Transaction Fee Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees
Late Payment Fee $25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100
Returned Check Fee $25
Card Replacement Fee $5
How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases) Minimum Payment: 2% of outstanding balance or $10.00, whichever is greater. We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law. The above rates and fees are current as of 05-06-2015.