Business Rates & Fees

Business Checking
Business Checking

Deposit Amount

Annual Percentage Yield

Rates Effective: 10-13-2019

Business Checking

Deposit Amount

N/A

Annual Percentage Yield

N/A

Business Interest Checking

Deposit Amount

$0 - $999.99

Annual Percentage Yield

0.05%

Deposit Amount

$1,000 - $4,999.99

Annual Percentage Yield

0.05%

Deposit Amount

$5,000+

Annual Percentage Yield

0.05%

Business Savings
Business Savings

Deposit Amount

Annual Percentage Yield (APY)

Rates Effective: 10-13-2019

Learn more about Business Savings

Deposit Amount

$0 - $2,499.99

Annual Percentage Yield (APY)

0.05%

Deposit Amount

$2,500 - $9,999.99

Annual Percentage Yield (APY)

0.05%

Deposit Amount

$10,000 - $24,999.99

Annual Percentage Yield (APY)

0.05%

Deposit Amount

$25,000 - $49,999.99

Annual Percentage Yield (APY)

0.10%

Deposit Amount

$50,000 - $99,999.99

Annual Percentage Yield (APY)

0.10%

Deposit Amount

$100,000+

Annual Percentage Yield (APY)

0.15%

Business Money Market
Business Money Market

Deposit Amount

Annual Percentage Yield (APY)

Rates Effective: 10-13-2019

Learn more about Business Money Market

Deposit Amount

$0 - $4,999.99

Annual Percentage Yield (APY)

0.00%

Deposit Amount

$5,000 - $9,999.99

Annual Percentage Yield (APY)

0.05%

Deposit Amount

$10,000 - $24,999.99

Annual Percentage Yield (APY)

0.10%

Deposit Amount

$25,000 - $49,999.99

Annual Percentage Yield (APY)

0.10%

Deposit Amount

$50,000 - $99,999.99

Annual Percentage Yield (APY)

0.15%

Deposit Amount

$100,000 - $249,999

Annual Percentage Yield (APY)

0.20%

Deposit Amount

$250,000+

Annual Percentage Yield (APY)

0.25%

Business Certificates of Deposit
Business Certificates of Deposit

CD Term

Amount

Interest Rate

Annual Percentage Yield1

Interest Rate with Bundle Rewards2

APY with Bundle Rewards2

Rates Effective: 10-13-2019

Learn more about Business Certificates of Deposit

1 Annual Percentage Yield subject to change.

2 Additional products and services are required to qualify for the Bundle Rewards rate. Please see an OnPoint representative for more information or click here.

3 Subsequent deposits of $100 minimum each are allowed on Certificates of Deposit with terms of 3, 6, 12, 18, or 24 months. All deposits exclude promotional offerings unless otherwise stated.

4 Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.

CD Term

3 months3

Amount

$1,000 - $49,000

Interest Rate

1.49%

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

3 months3

Amount

$50,000+

Interest Rate

1.74%

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

6 months3

Amount

$1,000 - $49,000

Interest Rate

1.49%

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

6 months3

Amount

$50,000+

Interest Rate

1.74%

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

12 months3

Amount

$1,000 - $49,000

Interest Rate

1.49%4

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

12 months3

Amount

$50,000+

Interest Rate

1.74%4

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

18 months3

Amount

$1,000 - $49,000

Interest Rate

1.69%4

Annual Percentage Yield1

1.70%

Interest Rate with Bundle Rewards2

1.94%

APY with Bundle Rewards2

1.95%

CD Term

18 months3

Amount

$50,000+

Interest Rate

1.94%4

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

CD Term

24 months3

Amount

$1,000 - $49,000

Interest Rate

1.89%4

Annual Percentage Yield1

1.90%

Interest Rate with Bundle Rewards2

2.13%

APY with Bundle Rewards2

2.15%

CD Term

24 months3

Amount

$50,000+

Interest Rate

2.13%4

Annual Percentage Yield1

2.15%

Interest Rate with Bundle Rewards2

2.38%

APY with Bundle Rewards2

2.40%

CD Term

36 months

Amount

$1,000 - $49,000

Interest Rate

1.94%

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

CD Term

36 months

Amount

$50,000+

Interest Rate

2.18%

Annual Percentage Yield1

2.20%

Interest Rate with Bundle Rewards2

2.43%

APY with Bundle Rewards2

2.45%

CD Term

48 months

Amount

$1,000 - $49,000

Interest Rate

1.94%

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

CD Term

48 months

Amount

$50,000+

Interest Rate

2.18%

Annual Percentage Yield1

2.20%

Interest Rate with Bundle Rewards2

2.43%

APY with Bundle Rewards2

2.45%

CD Term

60 months

Amount

$1,000 - $49,000

Interest Rate

2.28%

Annual Percentage Yield1

2.30%

Interest Rate with Bundle Rewards2

2.52%

APY with Bundle Rewards2

2.55%

CD Term

60 months

Amount

$50,000+

Interest Rate

2.52%

Annual Percentage Yield1

2.55%

Interest Rate with Bundle Rewards2

2.77%

APY with Bundle Rewards2

2.80%
Business Platinum Visa® with Rewards
Business Platinum Visa® with Rewards

Interest Rates and Charges

APR1

Rates Effective: 10-13-2019

Learn more about Business Platinum Visa® with Rewards

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)

Interest Rates and Charges

Purchases

APR1

11.00% - 21.50% depending on your credit worthiness.

Interest Rates and Charges

Balance Transfers

APR1

13.00% - 23.50% depending on your credit worthiness.

Interest Rates and Charges

Cash Advances

APR1

13.00% - 23.50% depending on your credit worthiness.

Interest Rates and Charges

Penalty

APR1

3.0% above current Interest Rate.2

Business Auto Loans
Business Auto Loans

Available Terms

Annual Percentage Rate (Fixed)1

Estimated Minimum Monthly Payment

Rates Effective: 10-13-2019

Learn more about Business Auto Loans

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.

New Auto
(2016 and newer)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

3.74% - 7.19%

Estimated Minimum Monthly Payment

$276.86 based on a 60 month, $15,000 loan at 4.09% APR

New Auto
(2016 and newer)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

4.04% - 7.69%

Estimated Minimum Monthly Payment

$237.35 based on a 72 month, $15,000 loan at 4.39% APR

New Auto
(2016 and newer)

Available Terms

84 months2

Annual Percentage Rate (Fixed)1

4.39% - 8.04%

Estimated Minimum Monthly Payment

$211.59 based on an 84 month, $15,000 loan at 4.94% APR

Used Auto
(2009-2015)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

3.89% - 7.59%

Estimated Minimum Monthly Payment

$278.90 based on a 60 month, $15,000 loan at 4.39% APR

Used Auto
(2013-2015)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

4.19% - 7.99%

Estimated Minimum Monthly Payment

$239.42 based on a 72 month, $15,000 loan at 4.69% APR

Used Auto
(2013-2015)

Available Terms

84 months2

Annual Percentage Rate (Fixed)1

4.59% - 5.29%

Estimated Minimum Monthly Payment

$214.06 based on an 84 month, $15,000 loan at 5.29% APR

New Cargo Vehicle3
(2016-2019)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

4.74% - 8.19%

Estimated Minimum Monthly Payment

$283.69 based on a 60 month, $15,000 loan at 5.09% APR

New Cargo Vehicle3
(2016-2019)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

5.04% - 8.69%

Estimated Minimum Monthly Payment

$244.30 based on a 72 month, $15,000 loan at 5.39% APR

Used Cargo Vehicle3
(2009-2015)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

4.89% - 8.59%

Estimated Minimum Monthly Payment

$285.76 based on a 60 month, $15,000 loan at 5.39% APR

Used Cargo Vehicle3
(2013-2015)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

5.19% - 8.99%

Estimated Minimum Monthly Payment

$246.40 based on a 72 month, $15,000 loan at 5.69% APR

Business Specialty Vehicle4

Available Terms

Up to 60 months

Annual Percentage Rate (Fixed)1

8.50% - 9.50%

Estimated Minimum Monthly Payment

$512.91 based on a 60 month, $25,000 loan at 8.50% APR

Small Business Lines of Credit and Term Loans
Small Business Lines of Credit and Term Loans

Available Terms

Annual Percentage Rate

Estimated Minimum Monthly Payment

Rates Effective: 10-13-2019

Learn more about Small Business Lines of Credit and Term Loans

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.

 

Small Business Term Loan

Available Terms

Up to 60 Months

Annual Percentage Rate

10.00% - 16.00% Fixed Rate1

Estimated Minimum Monthly Payment

$460.05 based on a 5-year, $20,000 loan at 13.50% APR

Small Business Line of Credit

Available Terms

N/A

Annual Percentage Rate

9.25% - 11.25% Variable Rate2

Estimated Minimum Monthly Payment

2% of outstanding balance or $25, whichever is greater

Commercial Operating Lines of Credit, Term Loans and Real Estate
Commercial Operating Lines of Credit, Term Loans and Real Estate

Rates Effective: 10-13-2019

Learn more about Commercial Operating Lines of Credit, Term Loans and Real Estate

Business Lines of Credit

Get customized operating lines of credit designed just for your business. Please visit a branch to learn more.

Business Term Loans

Our term loans are a great option for working capital needs and equipment acquisitions. Please visit a branch to learn more.

Commercial Real Estate Loans

We offer competitive rates and terms for the purchase or refinance of commercial real estate. Please visit a branch to learn more.

Business Fees
Business Fees

Rates Effective: 10-13-2019

For more information please refer to the Business Account Information Sheet.

Account Research

$25.00 per hour

ACH Origination Monthly Fee

$10.00

ATM Withdrawal/Inquiry

$2.00 per transaction (No charge for OnPoint, MoneyPass, or CO-OP ATMs.)

Business Account Paper Statement Fee

$2.00 per statement cycle

Same Day Bill Payment

$12.95 per item

Overnight Check Bill Payment

$12.95 per item

Card Replacement (first replacement per year is free)

$5.00 per card

Postage Handling for Card/PIN Rush Delivery: Domestic

$25.00 per item sent

Postage Handling for Card/PIN Rush Delivery: International

$65.00 per item sent

Cashier's Check

$5.00 per item

Cash Order (Coin & Currency)

$5.00

Check Printing

Prices vary based on style

Check Processing Fee: Business Checking

$0.10 (first 200 per month free)

Check Processing Fee: Business Interest Checking

$0.15 (first 200 per month free)

Check Processing Fee: Analyzed Checking

$0.15

Check Sent for Collections: Domestic

$20.00 per check

Check Sent for Collections: International ($250.00 US dollar equivalent minimum)

$75.00 per check

Desktop Deposit (within Business Online Banking)

$30.00 per month

Foreign Checks: Foreign Fund Items

Free

Foreign Checks: US Currency Items (all countries, including Canada)

$5.00 per item

Foreign Returned Item

$30.00 per item

Garnishment/Levy Fee

$50.00 per order

Inactive Account Fee

$5.00 per month (for balances less than $150)

Legal Process Fee

$75.00 each

NSF Fee (items returned)

$30.00 per item

Online Banking

Free

Overdraft Fee (items paid)

$30.00 per item

Overdraft Transfer Service

$3.00 per transfer (1st each month free)

Payment by Phone (Debit Card or ACH)

$15.00 per request

Photo Copies: Statements, Checks, Transaction Slip

$2.00 per item

Photo Copies: Transaction Slip (Visa Card)

$12.00 per item

Returned Deposit Item

$15.00 per check or ACH

Special Item Handling

Prices vary based on request

Stop Payment (including payments made through Online Banking)

$25.00 per item

Unknown Address Fee

$5.00 per month

Verification of Deposit/Loan

$25.00 per request

Visa Foreign Transaction

Up to 1% of transaction amount

Zipper Bag

$4.00

Wire Transfer Fees
Wire Transfer Fees

per wire

fee

Rates Effective: 10-13-2019

per wire

Incoming (all)

fee

$8.00

per wire

Domestic (outgoing)

fee

$20.00

per wire

Foreign (outgoing)

fee

$40.00

Business Credit Card Fees
Business Credit Card Fees

Card

Type

Fees

Rates Effective: 10-13-2019

Card

Business Platinum Visa® with Rewards

Type

Annual fees

Fees

$25 (for each card number issued)

Card

Type

Late payment fee

Fees

$30 for balances > $1,000; $20 for balances $100-$1,000; $10 for balances < $100

Card

Type

Over-the-credit-limit fee

Fees

$30

Card

Type

Foreign transaction fee

Fees

Up to 1% of the U.S. dollar amount of the foreign transaction

Card

Type

Minimum payment

Fees

2% of outstanding balance or $10, whichever is greater

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