For important lending terms and conditions, please see page 2.

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.

Auto Loans
New and Used Auto loan rates available on vehicles manufactured for passenger/household use only. For new/used auto model years 2016 and newer, maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. Used Auto 72-month term for model years 2016-2019 requires minimum $12,000 loan amount. New and Used Auto 84-month term requires $15,000 minimum loan amount. Used Auto 84-month term offered on model years 2020-2022 only. New Auto 96-month term requires minimum $25,000 loan amount and $15,000 maximum negative equity. Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR. Discount cannot be applied retroactively.

Business Equipment and Specialty Vehicles (2025 and newer)
Examples of Business Equipment and Specialty Vehicles include delivery trucks, dump trucks, motor coach buses, trailers, and non-titled business equipment manufactured in 2025 or newer, that has not been previously owned, titled, or subject to a UCC filing or other lien. Rates and terms are tiered by credit score and term length (36, 48, or 60 months). For Business Specialty Vehicle loans, the maximum LTV is 90% for the first four vehicle loans financed. After the fourth vehicle loan, the maximum LTV is 80%, unless otherwise noted. For non-titled equipment loans, the maximum LTV is 90%, with no restriction on the number of equipment loans financed. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP when the unit has not been previously titled. Alternative terms and additional conditions may apply.

Business Older Vehicles (2015 and older)
Business Older Vehicles include titled business vehicles in 2015 or earlier. Maximum term is 60 months. Maximum LTV is 100% for the first four vehicles financed. After the fourth vehicle, the maximum LTV reduces to 80%. LTV is calculated using Kelley Blue Book retail value, J.D. Power high value, or MSRP (when the vehicle has not been previously titled). Alternative terms and additional conditions may apply.

Small Business Line of Credit
Rate is variable based on the Prime Rate plus a margin of 4.00% – 6.00%, depending on creditworthiness. 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). As of 01/10/2026, Prime Rate is 6.75%. Small Business Line of Credit includes $50 Annual Fee. Small Business Line of Credit minimum $10,000 limit, not to exceed $100,000.

Small Business Term Loan
Minimum amount $500 and not to exceed $100,000.

OnPoint Business Rewards
OnPoint Community Credit Union will take 0.25% off business fixed APR (Annual Percentage Rate) vehicle loans. Discount does not apply to existing OnPoint auto loans or promotional rates. Additional products and services are required to qualify for OnPoint Business Rewards. Please see an OnPoint representative for more information.