Personal Rates & Fees
Minimum to Open | Interest Rate | Annual Percentage Yield | Minimum Balance to Avoid Service Fees | Monthly Service Fee if Below Minimum Balance | |
|---|---|---|---|---|---|
Rates Effective: 10-30-2020 View our Truth-In-Savings disclosure for additional information. 1 Waived if under 18 years of age. | |||||
Minimum to Open $50 | Interest Rate N/A | Annual Percentage Yield N/A | Minimum Balance to Avoid Service Fees N/A | Monthly Service Fee if Below Minimum Balance N/A | |
Minimum to Open $50 | Interest Rate N/A | Annual Percentage Yield N/A | Minimum Balance to Avoid Service Fees N/A | Monthly Service Fee if Below Minimum Balance $71 | |
Deposit Amount | Interest Rate | Annual Percentage Yield1 | Minimum Balance to Avoid Service Fees | Monthly Service Fee if Below Minimum Balance2 |
|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about interest checkingView our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. 2 Fees could reduce earnings on the account. | ||||
Deposit Amount $0 - $999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance to Avoid Service Fees $500 Avg/Month | Monthly Service Fee if Below Minimum Balance2 $7.00 |
Deposit Amount $1,000 - $4,999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance to Avoid Service Fees $500 Avg/Month | Monthly Service Fee if Below Minimum Balance2 $7.00 |
Deposit Amount $5,000 and higher | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance to Avoid Service Fees $500 Avg/Month | Monthly Service Fee if Below Minimum Balance2 $7.00 |
Deposit Amount | Interest Rate | Annual Percentage Yield1 | Minimum Balance to Avoid Service Fees2 | Monthly Service Fee if Below Minimum Balance2 |
|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about HSA checkingView our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. | ||||
Deposit Amount $0 - $2,500 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance to Avoid Service Fees2 N/A | Monthly Service Fee if Below Minimum Balance2 N/A |
Deposit Amount $2,500 - $9,999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance to Avoid Service Fees2 N/A | Monthly Service Fee if Below Minimum Balance2 N/A |
Deposit Amount $10,000 - $24,999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance to Avoid Service Fees2 N/A | Monthly Service Fee if Below Minimum Balance2 N/A |
Deposit Amount $25,000 and higher | Interest Rate 0.10% | Annual Percentage Yield1 0.10% | Minimum Balance to Avoid Service Fees2 N/A | Monthly Service Fee if Below Minimum Balance2 N/A |
Interest Rate | Annual Percentage Yield1 | Minimum Balance | Minimum Balance to Earn Interest | |
|---|---|---|---|---|
Rates Effective: 10-30-2020 View our Truth-In-Savings disclosure for additional information. * Rate and Annual Percentage Yield also apply to Teachers Deposit Fund (TDF). 1 Annual Percentage Yield subject to change. | ||||
Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance $5 | Minimum Balance to Earn Interest $5 | |
Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance $0.01 | Minimum Balance to Earn Interest $0 | |
Deposit Amount | Interest Rate | Annual Percentage Yield1 | Minimum Balance |
|---|---|---|---|
Rates Effective: 10-30-2020 Parent or legal guardian must be on the membership and present to open the OnPoint Savers Account. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers. Limit one OnPoint Savers Account per member. Account must be established for member age 17 or younger by parent or guardian with a minimum $25 deposit. When primary attains the age of 18, account will be converted to a Regular Saving account, earning that account’s published APY at the time. View our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. | |||
Deposit Amount $5.00 - $500.00 | Interest Rate 4.89% | Annual Percentage Yield1 5.00% | Minimum Balance $5.00 |
Deposit Amount $500.01 and higher | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance |
Deposit Amount | Interest Rate | Annual Percentage Yield1 |
|---|---|---|
Rates Effective: 10-30-2020 Learn more about Bundle Rewards SavingsAdditional products and services are required to qualify for the Bundle Rewards Savings. Please see an OnPoint representative for more information or click here. View our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. | ||
Deposit Amount $0 - $49,999.99 | Interest Rate 0.40% | Annual Percentage Yield1 0.40% |
Deposit Amount $50,000 - $99,999.99 | Interest Rate 0.45% | Annual Percentage Yield1 0.45% |
Deposit Amount $100,000 - $249,999.99 | Interest Rate 0.50% | Annual Percentage Yield1 0.50% |
Deposit Amount $250,000 and higher | Interest Rate 0.60% | Annual Percentage Yield1 0.60% |
Deposit Amount | Interest Rate | Annual Percentage Yield1 |
|---|---|---|
Rates Effective: 10-30-2020 Learn more about FlexSmart Money MarketView our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. | ||
Deposit Amount $0-4,999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% |
Deposit Amount $5,000-$9,999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% |
Deposit Amount $10,000-$49,999.99 | Interest Rate 0.10% | Annual Percentage Yield1 0.10% |
Deposit Amount $50,000-$99,999.99 | Interest Rate 0.15% | Annual Percentage Yield1 0.15% |
Deposit Amount $100,000+ | Interest Rate 0.20% | Annual Percentage Yield1 0.20% |
Deposit Amount | Interest Rate | Annual Percentage Yield1 | Minimum Balance | Monthly Service Fee if Below Minimum Balance |
|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Money Market IRAView our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. | ||||
Deposit Amount $0-$9,999.99 | Interest Rate 0.05% | Annual Percentage Yield1 0.05% | Minimum Balance $0 | Monthly Service Fee if Below Minimum Balance $0 |
Deposit Amount $10,000-$24,999.99 | Interest Rate 0.10% | Annual Percentage Yield1 0.10% | Minimum Balance $0 | Monthly Service Fee if Below Minimum Balance $0 |
Deposit Amount $25,000-$49,999.99 | Interest Rate 0.10% | Annual Percentage Yield1 0.10% | Minimum Balance $0 | Monthly Service Fee if Below Minimum Balance $0 |
Deposit Amount $50,000-$99,999.99 | Interest Rate 0.15% | Annual Percentage Yield1 0.15% | Minimum Balance $0 | Monthly Service Fee if Below Minimum Balance $0 |
Deposit Amount $100,000-$249,999.99 | Interest Rate 0.20% | Annual Percentage Yield1 0.20% | Minimum Balance $0 | Monthly Service Fee if Below Minimum Balance $0 |
Deposit Amount $250,000 and higher | Interest Rate 0.25% | Annual Percentage Yield1 0.25% | Minimum Balance $0 | Monthly Service Fee if Below Minimum Balance $0 |
CD Term | Amount | Interest Rate | Annual Percentage Yield1 | Interest Rate with Bundle Rewards2 | APY with Bundle Rewards2 |
|---|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Certificates of DepositView our Truth-In-Savings disclosure for additional information. 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. For minors 17 years of age or younger opening a 3, 6, 12, 18, or 24 month Certificate of Deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed. 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+ | Interest Rate 0.30% | Annual Percentage Yield1 0.30% | Interest Rate with Bundle Rewards2 0.55% | APY with Bundle Rewards2 0.55% |
CD Term 6 months3 | Amount $1,000+ | Interest Rate 0.30% | Annual Percentage Yield1 0.30% | Interest Rate with Bundle Rewards2 0.55% | APY with Bundle Rewards2 0.55% |
CD Term 12 months3 | Amount $1,000+ | Interest Rate 0.30%4 | Annual Percentage Yield1 0.30% | Interest Rate with Bundle Rewards2 0.55% | APY with Bundle Rewards2 0.55% |
CD Term 18 months3 | Amount $1,000+ | Interest Rate 0.40%4 | Annual Percentage Yield1 0.40% | Interest Rate with Bundle Rewards2 0.65% | APY with Bundle Rewards2 0.65% |
CD Term 24 months3 | Amount $1,000+ | Interest Rate 0.40%4 | Annual Percentage Yield1 0.40% | Interest Rate with Bundle Rewards2 0.65% | APY with Bundle Rewards2 0.65% |
CD Term 36 months | Amount $1,000+ | Interest Rate 0.40% | Annual Percentage Yield1 0.40% | Interest Rate with Bundle Rewards2 0.65% | APY with Bundle Rewards2 0.65% |
CD Term 48 months | Amount $1,000+ | Interest Rate 0.45% | Annual Percentage Yield1 0.45% | Interest Rate with Bundle Rewards2 0.70% | APY with Bundle Rewards2 0.70% |
CD Term | Amount | Interest Rate | Annual Percentage Yield1 | Interest Rate with Bundle Rewards2 | APY with Bundle Rewards2 | Minimum Balance to Open |
|---|---|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Annual Withdrawal Certificate of DepositView our Annual Withdrawal CD Truth-In-Savings disclosure for additional information. 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. | ||||||
CD Term 60 months | Amount $1,000+ | Interest Rate 0.50% | Annual Percentage Yield1 0.50% | Interest Rate with Bundle Rewards2 0.75% | APY with Bundle Rewards2 0.75% | Minimum Balance to Open $5,000 |
CD Term1 | Amount | Interest Rate | Annual Percentage Yield2 | Interest Rate with Bundle Rewards3 | APY with Bundle Rewards3 |
|---|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Traditional & Roth IRA Certificates of DepositView our Truth-In-Savings disclosure for additional information. 1 Subsequent deposits can be made on Traditional and Roth IRA Certificates of Deposit. 2 Annual Percentage Yield subject to change. 3 Additional products and services are required to qualify for the Bundle Rewards rate. Please see an OnPoint representative for more information or click here. 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 Term1 3 months | Amount $1,000+ | Interest Rate 0.30% | Annual Percentage Yield2 0.30% | Interest Rate with Bundle Rewards3 0.55% | APY with Bundle Rewards3 0.55% |
CD Term1 6 months | Amount $1,000+ | Interest Rate 0.30% | Annual Percentage Yield2 0.30% | Interest Rate with Bundle Rewards3 0.55% | APY with Bundle Rewards3 0.55% |
CD Term1 12 months4 | Amount $1,000+ | Interest Rate 0.30%4 | Annual Percentage Yield2 0.30% | Interest Rate with Bundle Rewards3 0.55% | APY with Bundle Rewards3 0.55% |
CD Term1 18 months4 | Amount $1,000+ | Interest Rate 0.40%4 | Annual Percentage Yield2 0.40% | Interest Rate with Bundle Rewards3 0.65% | APY with Bundle Rewards3 0.65% |
CD Term1 24 months4 | Amount $1,000+ | Interest Rate 0.40%4 | Annual Percentage Yield2 0.40% | Interest Rate with Bundle Rewards3 0.65% | APY with Bundle Rewards3 0.65% |
CD Term1 36 months | Amount $1,000+ | Interest Rate 0.40% | Annual Percentage Yield2 0.40% | Interest Rate with Bundle Rewards3 0.65% | APY with Bundle Rewards3 0.65% |
CD Term1 48 months | Amount $1,000+ | Interest Rate 0.45% | Annual Percentage Yield2 0.45% | Interest Rate with Bundle Rewards3 0.70% | APY with Bundle Rewards3 0.70% |
CD Term1 60 months | Amount $1,000+ | Interest Rate 0.50% | Annual Percentage Yield2 0.50% | Interest Rate with Bundle Rewards3 0.75% | APY with Bundle Rewards3 0.75% |
Interest Rates and Charges | Intro APR | APR1 |
|---|---|---|
Rates Effective: 10-30-2020 Learn more about Platinum Visa® with Rewards1 APR will vary with the market based on the Prime Rate. 2 Penalty APR – This APR may be applied when:
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 https://www.consumerfinance.gov/learnmore. 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. | ||
Interest Rates and Charges Purchases | Intro APR 3.99% for introductory period of 6 months | APR1 9.00% - 19.50% based on creditworthiness |
Interest Rates and Charges Balance Transfers | Intro APR 6.99% introductory APR for 12 months from account opening | APR1 11.00% - 21.50% based on creditworthiness |
Interest Rates and Charges Cash Advances | Intro APR N/A | APR1 11.00% - 21.50% based on creditworthiness |
Interest Rates and Charges Penalty2 | Intro APR N/A | APR1 3.0% above current Interest Rate |
Interest Rates and Charges | Intro APR | APR1 |
|---|---|---|
Rates Effective: 10-30-2020 Learn more about Signature Visa® with Rewards1 APR will vary with the market based on the Prime Rate. 2 Penalty APR – This APR may be applied when:
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 https://www.consumerfinance.gov/learnmore. 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. | ||
Interest Rates and Charges Purchases | Intro APR 2.99% for introductory period of 6 months | APR1 10.00% - 14.50% depending on your creditworthiness |
Interest Rates and Charges Balance Transfers | Intro APR 4.99% introductory APR for 12 months from account opening | APR1 12.00% - 16.50% depending on your creditworthiness |
Interest Rates and Charges Cash Advances | Intro APR N/A | APR1 12.00% - 16.50% depending on your creditworthiness |
Interest Rates and Charges Penalty2 | Intro APR N/A | APR1 3.0% above current Interest Rate |
Interest Rates and Charges | Intro APR | APR1 |
|---|---|---|
Rates Effective: 10-30-2020 Learn more about Platinum Visa®1 APR will vary with the market based on the Prime Rate. 2 Penalty APR – This APR may be applied when:
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 https://www.consumerfinance.gov/learnmore. 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. | ||
Interest Rates and Charges Purchases | Intro APR 3.99% for introductory period of 6 months | APR1 8.00% - 18.50% based on creditworthiness |
Interest Rates and Charges Balance Transfers | Intro APR 6.99% introductory APR for 12 months from account opening | APR1 10.00% - 20.50% based on creditworthiness |
Interest Rates and Charges Cash Advances | Intro APR N/A | APR1 10.00% - 20.50% based on creditworthiness |
Interest Rates and Charges Penalty2 | Intro APR N/A | APR1 3.0% above current Interest Rate |
Terms | Rate | APR* | Points | 1-Month Payment* |
|---|---|---|---|---|
Rates Effective: 10-29-2020 Learn more about Mortgage Purchase Loans View Mortgage Refinance RatesThe Annual Percentage Rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year Adjustable Rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $180,000.00, and a property located in Multnomah County, Oregon. The Annual Percentage Rates (APRs) for the Homeroom and Just for Starters Fixed Rate Loans are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $240,000.00 and located in Multnomah County, Oregon. The Annual Percentage Rates (APRs) for the 30 Year Jumbo Fixed Rate and 5/5 Jumbo ARM are calculated based on a purchase of a single family, owner occupied residence with a down payment of 25%, a loan amount of $525,000, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $745.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. | ||||
Terms 30 Year Fixed Rate | Rate 2.875% | APR* 2.960% | Points 0.250% | 1-Month Payment* $746.81 |
Terms 30 Year Jumbo Fixed Rate | Rate 3.250% | APR* 3.285% | Points 0.000% | 1-Month Payment* $2,284.83 |
Terms 15 Year Fixed Rate | Rate 2.375% | APR* 2.490% | Points 0.000% | 1-Month Payment* $1,189.66 |
Terms Homeroom | Rate 4.250% | APR* 4.313% | Points 0.000% | 1-Month Payment* $1,180.66 |
Terms Just for Starters | Rate 4.250% | APR* 4.313% | Points 0.000% | 1-Month Payment* $1,180.66 |
Terms 5/5 ARM | Rate 3.500% | APR* 4.153% | Points 0.250% | 1-Month Payment* $808.28 |
Terms 5/5 Jumbo ARM | Rate 3.250% | APR* 4.009% | Points 0.000% | 1-Month Payment* $2,284.83 |
Terms | Rate | APR* | Points | 1-Month Payment* |
|---|---|---|---|---|
Rates Effective: 10-29-2020 Learn more about Mortgage Refinance Loans View Mortgage Purchase RatesThe Annual Percentage Rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year Adjustable Rate loans are calculated based on the mortgage refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $180,000.00, and a property located in Multnomah County, Oregon. The Annual Percentage Rates (APRs) for the Homeroom Fixed Rate Loans are calculated based on the mortgage refinance of a single family, owner occupied residence with a loan amount of $240,000.00 and located in Multnomah County, Oregon. The Annual Percentage Rates (APRs) for the 30 Year Jumbo Fixed Rate and 5/5 Jumbo ARM are calculated based on the mortgage refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $525,000, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $745.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 740 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. | ||||
Terms 30 Year Fixed Rate | Rate 3.250% | APR* 3.318% | Points 0.000% | 1-Month Payment* $783.37 |
Terms 30 Year Jumbo Fixed Rate | Rate 3.500% | APR* 3.536% | Points 0.000% | 1-Month Payment* $2,357.48 |
Terms 15 Year Fixed Rate | Rate 3.000% | APR* 3.121% | Points 0.000% | 1-Month Payment* $1,243.05 |
Terms Homeroom | Rate 4.250% | APR* 4.313% | Points 0.000% | 1-Month Payment* $1,180.66 |
Terms 5/5 ARM | Rate 3.750% | APR* 4.243% | Points 0.250% | 1-Month Payment* $833.61 |
Terms 5/5 Jumbo ARM | Rate 3.500% | APR* 4.098% | Points 0.000% | 1-Month Payment* $2,357.48 |
Maximum Loan-To-Value | Available Terms | Annual Percentage Rate1 | Estimated Minimum Monthly Payment | |
|---|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Home Equity Lines of CreditAll 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. 1 Bundle Rewards: Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for Bundle Rewards. Please see an OnPoint representative for more information or click here. 2 Maximum loan to value and maximum amount financed are 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. 3 Line 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). As of 4/10/20, Prime Rate is 3.25%. 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. 4 With 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. Eligibility for first lien position requires that the property does not have another first mortgage loan from any institution, including OnPoint. The fixed portion amount must be at least $5,000 and no more than the total existing line of credit limit. $25 fee to convert line of credit to fixed portion, fee waived for the first fixed portion. $50 fee to convert fixed portion back to line of credit. 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. | ||||
EquityFlex Line of Credit | Maximum Loan-To-Value Up to 80% LTV2 | Available Terms 10-year draw period | Annual Percentage Rate1 3.25% - 3.75% | Estimated Minimum Monthly Payment 1.5% of outstanding balance or $25, whichever is greater |
Maximum Loan-To-Value 80.01% - 100% LTV2 | Available Terms 10-year draw period | Annual Percentage Rate1 5.25% - 5.75% | Estimated Minimum Monthly Payment 1.5% of outstanding balance or $25, whichever is greater | |
EquityFlex Interest Only Line of Credit | Maximum Loan-To-Value Up to 80% LTV | Available Terms 10-year draw period | Annual Percentage Rate1 3.25% - 3.75% | Estimated Minimum Monthly Payment Accrued interest on balance owed |
EquityFlex Fixed Portion Option4 | Maximum Loan-To-Value Up to 80% LTV | Available Terms 5 - 20 years | Annual Percentage Rate1 5.15% - 8.70% | Estimated Minimum Monthly Payment $309.72 based on a 15-year, $35,000 loan at 6.75% APR |
Maximum Loan-To-Value 80.01% - 100% LTV | Available Terms 10 - 15 years | Annual Percentage Rate1 8.50% - 11.75% | Estimated Minimum Monthly Payment $217.99 based on a 15-year, $20,000 loan at 10.25% APR | |
EquityFlex Fixed Portion Option - in first lien position4 | Maximum Loan-To-Value Up to 80% LTV | Available Terms 5 - 20 years | Annual Percentage Rate1 3.40% - 6.95% Fixed APR | Estimated Minimum Monthly Payment $276.78 based on a 15-year, $35,000 loan at 5.00% APR |
Non-Owner Occupied EquityFlex Line of Credit | Maximum Loan-To-Value Up to 65% LTV | Available Terms 10-year draw period | Annual Percentage Rate1 5.00% - 5.50% | Estimated Minimum Monthly Payment 1.5% of outstanding balance or $25, whichever is greater |
Non-Owner Occupied Fixed Portion Option4 | Maximum Loan-To-Value Up to 65% LTV | Available Terms 10 - 20 years | Annual Percentage Rate1 7.25% - 10.45% | Estimated Minimum Monthly Payment $344.66 based on a 15-year, $35,000 loan at 8.50% APR |
Available Terms | Annual Percentage Rate (Fixed)1 | Estimated Minimum Monthly Payment | |
|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Auto LoansAll 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. For auto model years 2010 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 Bundle Rewards – Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. 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 For auto model years 2009 and older and other titled vehicles, maximum LTV is 80% unless otherwise noted. Other titled vehicles includes (but not limited to) ATVs, jet skis, and cargo trailers. LTV calculated using Kelley Blue Book retail value, NADA high value, MSRP, or purchase price, whichever is lowest. Subject to credit approval and collateral evaluation. | |||
Cars, Trucks, Vans - New (2017 and newer) | Available Terms 36-60 months | Annual Percentage Rate (Fixed)1 3.39% - 6.84% | Estimated Minimum Monthly Payment $274.49 based on a 60 month, $15,000 loan at 3.74% APR |
Cars, Trucks, Vans - New (2017 and newer) | Available Terms 72 months | Annual Percentage Rate (Fixed)1 3.49% - 7.14% | Estimated Minimum Monthly Payment $233.59 based on a 72 month, $15,000 loan at 3.84% APR |
Cars, Trucks, Vans - New (2017 and newer) | Available Terms 84 months2 | Annual Percentage Rate (Fixed)1 3.84% - 7.49% | Estimated Minimum Monthly Payment $207.74 based on an 84 month, $15,000 loan at 4.39% APR |
Cars, Trucks, Vans - Used (2010-2016) | Available Terms 36-60 months | Annual Percentage Rate (Fixed)1 3.54% - 7.24% | Estimated Minimum Monthly Payment $276.52 based on a 60 month, $15,000 loan at 4.04% APR |
Cars, Trucks, Vans - Used (2014-2016) | Available Terms 72 months | Annual Percentage Rate (Fixed)1 3.64% - 7.44% | Estimated Minimum Monthly Payment $235.64 based on a 72 month, $15,000 loan at 4.14% APR |
Cars, Trucks, Vans - Used (2014-2016) | Available Terms 84 months2 | Annual Percentage Rate (Fixed)1 4.19% - 4.89% | Estimated Minimum Monthly Payment $211.23 based on an 84 month, $15,000 loan at 4.89% APR |
Cargo Vehicle - New3 | Available Terms 36-60 months | Annual Percentage Rate (Fixed)1 4.39% - 7.84% | Estimated Minimum Monthly Payment $281.29 based on a 60 month, $15,000 loan at 4.74% APR |
Cargo Vehicle - New3 | Available Terms 72 months | Annual Percentage Rate (Fixed)1 4.49% - 8.14% | Estimated Minimum Monthly Payment $240.46 based on a 72 month, $15,000 loan at 4.84% APR |
Cargo Vehicle - Used3 | Available Terms 36-60 months | Annual Percentage Rate (Fixed)1 4.54% - 8.24% | Estimated Minimum Monthly Payment $283.34 based on a 60 month, $15,000 loan at 5.04% APR |
Cargo Vehicle - Used3 | Available Terms 72 months | Annual Percentage Rate (Fixed)1 4.64% - 8.44% | Estimated Minimum Monthly Payment $242.55 based on a 72 month, $15,000 loan at 5.14% APR |
Auto 2009 and older, other titled vehicles4 | Available Terms Up to 60 months | Annual Percentage Rate (Fixed)1 8.50% -9.50% | Estimated Minimum Monthly Payment $123.30 based on a 48 month, $5,000 loan at 8.50% APR |
Available Terms1 | Annual Percentage Rate (Fixed)2 | Estimated Minimum Monthly Payment | |
|---|---|---|---|
Rates Effective: 10-30-2020 Learn more about Motorcycle, Boat & RV LoansAll 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. For new and used motorcycle, boat and RVs, maximum LTV is 90% unless otherwise noted. 1 Maximum loan term determined by loan amount and collateral. Maximum term for motorcycles (any amount) is 60 months. For Boat and RV: $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. 2 Bundle Rewards: Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for Bundle Rewards. Please see an OnPoint representative for more information or click here. 3 For motorcycle, boat and RV model years 2010 and older and other titled vehicles, maximum LTV is 80% unless otherwise noted. Other titled vehicles includes (but not limited to) ATVs, jet skis, and cargo trailers. LTV calculated using Kelley Blue Book retail value, NADA high value, or purchase price, whichever is lowest. Subject to credit approval and collateral evaluation. | |||
Motorcycles, Boats and RVs | Available Terms1 60 months | Annual Percentage Rate (Fixed)2 4.94% - 8.44% | Estimated Minimum Monthly Payment $293.07 based on a 60 month, $15,000 loan at 6.44% APR |
Boats and RVs | Available Terms1 120 months | Annual Percentage Rate (Fixed)2 5.14% - 8.64% | Estimated Minimum Monthly Payment $171.39 based on a 120 month, $15,000 loan at 6.64% APR |
Boats and RVs | Available Terms1 180 months | Annual Percentage Rate (Fixed)2 5.44% - 8.94% | Estimated Minimum Monthly Payment $134.32 based on a 180 month, $15,000 loan at 6.94% APR |
Motorcycles, Boats and RVs | Available Terms1 60 months | Annual Percentage Rate (Fixed)2 5.44% - 8.94% | Estimated Minimum Monthly Payment $296.59 based on a 60 month, $15,000 loan at 6.94% APR |
Boats and RVs | Available Terms1 120 months | Annual Percentage Rate (Fixed)2 5.64% - 9.14% | Estimated Minimum Monthly Payment $175.25 based on a 120 month, $15,000 loan at 7.14% APR |
Boats and RVs | Available Terms1 180 months | Annual Percentage Rate (Fixed)2 5.94% - 9.44% | Estimated Minimum Monthly Payment $138.54 based on a 180 month, $15,000 loan at 7.44% APR |
Motorcycles, Boats and RVs | Available Terms1 Up to 60 months | Annual Percentage Rate (Fixed)2 8.50% - 9.50% | Estimated Minimum Monthly Payment $123.30 based on a 48 month, $5,000 loan at 8.50% APR |
Available Terms | Annual Percentage Rate | Estimated Minimum Monthly Payment | |
|---|---|---|---|
Rates Effective: 10-30-2020 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. 1 Bundle Rewards – Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for Bundle Rewards. Please see an OnPoint representative for more information or click here. 2 Personal 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). As of 4/10/20, Prime Rate is 3.25%. Personal Line of Credit includes $24 Annual Fee. Personal Line of Credit minimum $100 limit, not to exceed $25,000. 3 Personal Loan amount not to exceed $25,000. 4 Savings and CD Secured Loan or Line of Credit limited to pledged amount on savings or CD balance. 5 Payday Advantage Loan amount limited to 20% of gross monthly income, up to a maximum of $600. Minimum loan amount is $200. Payment is due in two monthly payments of equal amounts. Limited to no more than three Payday Advantage Loans within the past six months. | |||
Available Terms N/A | Annual Percentage Rate 13.25% - 15.25% Variable Rate1, 2 | Estimated Minimum Monthly Payment 2% of outstanding balance or $25, whichever is greater | |
Available Terms Up to 60 Months | Annual Percentage Rate 10.00% - 16.00% Fixed Rate1 | Estimated Minimum Monthly Payment $265.80 based on a 4-year, $10,000 loan at 12.50% APR | |
Available Terms N/A | Annual Percentage Rate Pledged account interest rate plus 3.00%1 | Estimated Minimum Monthly Payment Loan: 2% of original balance or $25, whichever is greater | |
Available Terms See Terms and Conditions5 | Annual Percentage Rate 12.00% Fixed Rate | Estimated Minimum Monthly Payment Two payments of $152.28 based on a $300 payday advance at 12.00% | |
Rates Effective: 10-30-2020 | |
Savings Accounts – Minimum Balance Required to Maintain an Active Membership | $5.00 |
OnPoint Checking, Access Checking Accounts – Minimum Opening Deposit | $50.00 |
Interest Checking Account – Minimum Average Monthly Balance Required (to avoid a monthly fee) | $500.00 |
Rates Effective: 10-30-2020 | |
Interest Checking (if below $500 average monthly balance) | $7.00 |
Access Account (waived if under 18) | $7.00 |
Rates Effective: 10-30-2020 | |
ATM Withdrawal/Inquiry (No charge for OnPoint, MoneyPass or CO-OP ATMs, Free with Interest Checking) | $2.00 |
Card Replacement (First replacement per year is free) | $5.00 |
Postage Handling for Card/Pin Rush Delivery (Domestic) | $35.00 |
Postage Handling for Card/Pin Rush Delivery (International) | $65.00 |
Visa Gift Card Purchase Fee | $4.95 |
Visa Foreign Transaction | Up to 1% of transaction amount |
Rates Effective: 10-30-2020 | |
Online Banking | Free |
Same Day Bill Payment | $12.95 |
Overnight Check Bill Payment | $12.95 |
Rates Effective: 10-30-2020 | |
Check sent for Collections - Domestic (per check) | $20.00 |
Check Sent for Collections -International (per check, $250.00 US equivalent minimum) | $75.00 |
Returned Deposit Item (per check or ACH) | $15.00 |
Foreign Returned Item (per item) | $30.00 |
NSF Fee (items returned) | $30.00 per presentment |
Overdraft Fee (item paid) | $30.00 per presentment |
Overdraft Transfer Service (per transfer,1st each month refunded) | $3.00 |
Rates Effective: 10-30-2020 | |
EquityFlex Line of Credit Annual Fee | $25.00 |
Fixed Portion Fee (waived for the first fixed portion) | $25.00 |
Fixed Portion Conversion to Line of Credit | $50.00 |
Personal Line of Credit Annual Fee | $24.00 |
Deed of Trust Reconveyance Fee (Oregon) | $123.00 |
Deed of Trust Reconveyance Fee (Washington) | $146.00 |
Loan Subordination Fee (per request) | $150.00 |
Rate Reduction/Modification (Auto Loan) | $150.00 |
Verification of Deposit/Loan (per request) | $25.00 |
Skip Pay (when offered, per loan) | $35.00 |
Rates Effective: 10-30-2020 | |
Foreign Fund Check | Free |
Foreign Check in US Currency (including Canada) | $5.00 |
Foreign Currency Exchange (orders under $300 US dollars) | $10.00 |
Foreign Currency Exchange (orders over $300 US dollars) | Free |
Foreign Currency Expedited Delivery (standard overnight) | $10.00 |
Foreign Currency Expedited Delivery (priority overnight) | $15.00 |
Rates Effective: 10-30-2020 | |
Incoming (all) | $8.00 |
Domestic (outgoing) | $20.00 |
Foreign (outgoing) | $40.00 |
Rates Effective: 10-30-2020 | |
Members – First $750 per calendar month, per person | Free |
Any amounts over $750, per person, per month | 10% |
Non-members – any amount | 15% |
Rates Effective: 10-30-2020 | |
Account Research (per hour) | $25.00 |
Garnishment/Levy Fee (per order) | $50.00 |
Legal Process Fee | $75.00 |
Photocopies of Statements, Checks, Transaction Slip (per item) | $2.00 |
Photocopies of Transaction Slip (Visa, per item) | $12.00 |
Rates Effective: 10-30-2020 | |
Cashier's Check (free with Interest Checking or when accessing OnPoint loan products) | $5.00 |
Check Printing (first order free with Interest Checking) | Varies |
HSA Checking (annual fee on anniversary date) | $25.00 |
Inactive Account (per month, balances less than $150) | $5.00 |
Payment by Phone (excluding OnPoint Credit Card) | $15.00 |
Special Item Handling | Prices vary based on request |
Stop Payment (including payments made through Bill Payment) | $25.00 |
Unknown Address (per month) | $5.00 |
Card | Type | Fees |
|---|---|---|
Rates Effective: 10-30-2020 | ||
Card Signature Visa® with Rewards | Type Annual Fees | Fees None |
Card | Type Foreign Transaction Fee | Fees None |
Card | Type Late Payment Fee | Fees $25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100 |
Card | Type Returned Check Fee | Fees $25 |
Card | Type Card Replacement Fee | Fees $5 |
Card Platinum Visa® with Rewards | Type Annual Fees | Fees None |
Card | Type Foreign Transaction Fee | Fees Up to 1% of the US dollar amount of the foreign transaction |
Card | Type Late Payment Fee | Fees $25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100 |
Card | Type Returned Check Fee | Fees $25 |
Card | Type Card Replacement Fee | Fees $5 |
Card Platinum Visa® | Type Annual Fees | Fees None |
Card | Type Foreign Transaction Fee | Fees Up to 1% of the US dollar amount of the foreign transaction |
Card | Type Late Payment Fee | Fees $25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100 |
Card | Type Returned Check Fee | Fees $25 |
Card | Type Card Replacement Fee | Fees $5 |
This Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, IRA, TDF and Certificate of Deposit Accounts at OnPoint at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.