Business Rates & Fees

Rates Effective: 10-13-2019

Rates Effective: 10-13-2019

Rates Effective: 10-13-2019

¹ APR will vary with the market based on the Prime Rate.

² Penalty APR – 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.

Grace period for repayment of purchase balance: 25 days

Method of computing the balance for purchases: Average daily balance method (including new purchases)

Rates Effective: 10-13-2019

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.

New and used auto loan rates available on passenger-type vehicles only. For new/used auto model years 2009 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, 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.

¹ Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. Bundle Rewards: Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. Auto payment from an OnPoint Checking or Savings account is required. Additional products and services are required to qualify for Bundle Rewards. Please see an OnPoint representative for more information or click here.

² New and Used Auto 84-month term requires $15,000 minimum loan amount.

³ Maximum LTV for Cargo Vehicles is 90%.

⁴ Examples of Business Specialty Vehicles include delivery trucks, cargo vans, dump trucks, and motor coach buses. For auto model years 2008 and older, and Business Specialty Vehicle loans, maximum LTV is 80% unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, NADA high value, MSRP, or purchase price, whichever is lowest. Alternative terms and additional conditions may apply when aggregate debt exceeds $50,000.

Rates Effective: 10-13-2019

All loan and line of credit rates are determined by credit union management and are subject to change at any time. Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. 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.

¹ Maximum loan amount is $25,000.
² Small Business Line of Credit minimum $10,000 limit, not to exceed $25,000.

Rates Effective: 10-13-2019