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Personal Loan Rates


Home Equity | Auto | Boat & RV | Other | Credit Card
Home Equity Rates1Rates Effective: 4/24/2014
Maximum Loan-to-Value Maximum Repayment Period Annual Percentage Rate (APR) with Automatic Payment4 Annual Percentage Rate (APR) with Regular Payment Maximum Amount Financed
EquityFlexTM Line of Credit            
  variable rate 80% LTV - 3.25%5 3.75%5 determined by equity value
  variable rate 100% LTV - 4.25%6 4.75%6 $20,000
EquityFlexTM Interest Only Line of Credit2            
  variable rate 80% LTV - 3.255 3.755 $100,000
EquityFlexTM Fixed Portion Option3            
  fixed rate 80% LTV 60 months 4.49% 4.99% up to current line of credit limit
  fixed rate 80% LTV 120 months 5.49% 5.99% up to current line of credit limit
  fixed rate 80% LTV 180 months 5.99% 6.49% up to current line of credit limit
  fixed rate 80% LTV 240 months 6.49% 6.99% up to current line of credit limit
  fixed rate 100% LTV 120 months 9.24% 9.74% up to current line of credit limit
  fixed rate 100% LTV 180 months 9.74% 10.24% up to current line of credit limit
Streamline First Lien Fixed Portion Option            
  fixed rate 70% LTV 60 months 3.75% 4.25% $250,000
  fixed rate 70% LTV 120 months 4.10% 4.60% $250,000
  fixed rate 70% LTV 180 months 4.50% 5.00% $250,000
Non-Owner EquityFlexTM Line of Credit            
  variable rate 65% LTV - 4.25%6 4.75%6 determined by equity value
Non-Owner Fixed Portion Option3            
  fixed rate 65% LTV 120 months 7.74% 8.24% up to current line of credit limit
  fixed rate 65% LTV 180 months 7.99% 8.49% up to current line of credit limit
  fixed rate 65% LTV 240 months 7.99% 8.49% up to current line of credit limit
1Maximum amount financed is determined by equity value. Certain restrictions and third party costs may apply. Members must pay closing costs, which generally range between $175 - $2,500. Ask us for details. Property insurance is required. Flood insurance and appraisal may be required. You 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. Rates subject to change.
2Maximum line amount is $100,000 for EquityFlex Interest Only Line of Credit.
3With EquityFlex Line of Credit, you have the option of converting portions of your line of credit into a fixed rate balance. Fixed portions 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.
4Automatic payments are deducted from your OnPoint checking or savings account.
5Rate is variable at Prime with automatic payment. Regular rate without automatic payment is Prime plus 0.50%. 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 each 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. $25 annual fee, waived for the first year.
6Rate is variable at Prime plus 1.00% with automatic payment. Rate without automatic payment is Prime plus 1.50%. Prime Rate is subject to adjustment on the 21st day of each month based on Prime Rate published in the Wall Street Journal on the 10th day of each 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. $25 annual fee, waived for the first year.


Auto Loan Promotional Rates1Rates Effective: January 1, 2014 - May 30, 2014
Maximum Repayment Period Annual Percentage Rate (fixed) with Automatic Payment2 Annual Percentage Rate (fixed) with Regular Payment Maximum Amount Financed
Cars, Trucks, Vans - New (2012 - 2014) 36 months 1.94% n/a 100%
  48 months 1.94% n/a 100%
  60 months 1.94% n/a 100%
  72 months 2.04% n/a 100%
  84 months3 2.34% n/a 100%
Cars, Trucks, Vans - Used (2005 - 2011) 36 months 1.94% n/a 100%
  48 months 1.94% n/a 100%
  60 months 1.94% n/a 100%
  72 months4 2.24% n/a 100%
1Promotional rates are subject to change. A 60-month New Auto Loan with an APR of 1.94% would have a monthly payment of $17.50 per $1,000 borrowed. Must meet OnPoint’s membership and credit requirements. Offer excludes Driver’s Seat auto loans, OnPoint’s “green” vehicle discount, and the refinance of existing OnPoint vehicle loans.
2Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used.
3Minimum loan amount is $15,000.00 on 84-month auto loan term.
472-month term is available only for 2009 - 2011 vehicle model years.

Auto Loan Rates5 4/24/2014
Maximum Repayment Period Annual Percentage Rate (fixed) with Automatic Payment1 Annual Percentage Rate (fixed) with Regular Payment Maximum Amount Financed
Cars, Trucks, Vans - New (2012 - 2014)2 36 months 2.14% 2.64% 100%
  48 months 2.14% 2.64% 100%
  60 months 2.14% 2.64% 100%
  72 months 2.44% 2.94% 100%
  84 months3 2.84% 3.34% 100%
Cars, Trucks, Vans - Used (2005 - 2011)2 36 months 2.44% 2.94% 100%
  48 months 2.44% 2.94% 100%
  60 months 2.44% 2.94% 100%
  72 months4 2.69% 3.19% 100%
1Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used.
2Vehicles meeting EPA SmartWay Elite standards receive a 0.25% discount off APR. Discount does not apply to existing OnPoint auto loans or promotional pricing.
3Minimum loan amount is $15,000.00 on 84-month auto loan term.
472-month term is available only for 2009 - 2011 vehicle model years.
5A 60-month New Auto Loan with an APR of 2.14% would have a monthly payment of $17.59 per $1,000 borrowed. A 60-month Used Auto Loan with an APR of 2.44% would have a monthly payment of $17.73 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Driver’s SeatSM Auto Loan Rates4Rates Effective: 4/24/2014
Maximum Repayment Period Annual Percentage Rate (fixed) with Automatic Payment2 Maximum Amount Financed
Cars, Trucks, Vans - New (2012 - 2014) 36 months 8.49%3 100%
  48 months 8.49%3 100%
  60 months 8.49%3 100%
  72 months 8.49%3 100%
  84 months1 8.74% 100%
Cars, Trucks, Vans - Used (2005 - 2011) 36 months 8.74%3 100%
  48 months 8.74%3 100%
  60 months 8.74%3 100%
1Minimum loan amount is $15,000.00 and maximum loan amount is $20,000 on 84-month auto loan term. Automatic payment required.
2Vehicles meeting EPA SmartWay Elite standards receive a 0.25% discount off APR. Discount does not apply to existing OnPoint auto loans or promotional pricing.
3Automatic payment required. Maximum loan amount is $20,000.
4A 60-month Driver's Seat New Auto Loan with an APR of 8.49% would have a monthly payment of $20.52 per $1,000 borrowed. A 60-month Driver's Seat Used Auto Loan with an APR of 8.74% would have a monthly payment of $20.64 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Boat & RV Loan Rates3Rates Effective: 4/24/2014
Maximum Repayment Period Automatic Payment APR (fixed)1 Annual Percentage Rate (fixed) Loan Amount 2
RVs, Boats - New (2013 & 2014) 60 Months 5.74% 6.24% Under $10,000
  120 Months 6.24% 6.74% $10,000 - $50,000
  180 Months 6.74% 7.24% Over $50,000
RVs, Boats - Used (2005 - 2012) 60 Months 6.24% 6.74% Under $10,000
  120 Months 6.74% 7.24% $10,000 - $50,000
  180 Months 7.24% 7.74% Over $50,000
1Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used.
2Maximum amount financed: 80% Loan to Value.
3A 60-month new boat & RV loan with an APR of 5.74% would have a monthly payment of $19.22 per $1,000 borrowed. A 60-month used boat & RV loan with an APR of 6.24% would have a monthly payment of $19.45 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Other Loan Rates4Rates Effective: 4/24/2014
Annual Percentage Rate with Automatic Payment Annual Percentage Rate without Automatic Payment Limit
Personal Loan (36 Month Repayment) fixed rate 12.00% 12.50% $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 3.05%2 3.55%2 Savings Balance
Savings or TDF Secured Line of Credit variable rate 3.05%2 3.55%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 8.50% 9.00% 80% LTV
Payday AdvantageTM 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.



Platinum Visa® with Rewards1Rates Effective: 4/24/2014
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 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 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
1How 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

Platinum Visa®1Rates Effective: 4/24/2014
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 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 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
1How 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


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.