Rate Sheet

Below is a listing of our current savings and loan rates. Feel free to use these loan & savings calculators to determine loan payments and compounded savings. Or, review our complete Share & Loan Fee Schedule by clicking here.

Loan Rates | Share & Certificate Rates

Loan Rates

Loan Type

Annual Percentage Rate (APR)

Vehicles (fixed rates)
New and Used Autos As low as 2.49% APR*
New and Used Recreational Vehicles As low as 3.99% APR**
*This rate is for 'A' credit borrowers, automatic payments, approved collateral, auto loans of $15,000+ up to 36 months. Higher rates apply to longer terms. Rates are fixed for the life of contract.
**This rate is for 'A' credit borrowers, automatic payments, approved collateral, recreational vehicle loans of $20,000+ up to 60 months. Higher rates apply to longer terms. Rates are fixed for the life of contract.
No Payment for 90 days option: interest accrues on the first date loan is funded.
Credit Cards (fixed rates)
VISA 9.90% APR (fixed rate)
Share Secured VISA 9.90% APR (fixed rate)
Rewards VISA 11.90% APR (fixed rate)
Real Estate
Home Equity Loans (fixed rate) As low as 4.49% APR*
*This rate is for 'A' credit borrowers, 70% loan-to-value ratio, first lien position, approved collateral, owner-occupied and automatic payments. Posted rates for fixed-rate loans are subject to change at any time. All third party closing fees are due and payable upon commitment. Minimum $10,000 line of credit.
Home Equity Loans (variable rate) As low as 4.99% APR*
*This rate is based on a margin of 0.24% over the Prime Rate as published in the Wall Street Journal as of July 1, 2018 as 5%. This rate is for 'A' credit borrowers, 70% loan-to-value ratio, first lien position, approved collateral, owner-occupied and automatic payments. Rates are subject to change, with a maximum rate of 18% and a minimum rate of 3.49%. Rate changes occur on the first day of the month. A $75 annual fee applies on each anniversary. Minimum $10,000 line of credit.
In-House Purchase Mortgage (fixed rate) As low as 4.49% APR*
*This rate is for ‘A’ credit borrowers, 80% loan-to-value, first lien position, approved collateral, owner occupied and automatic payments. Higher rates for longer terms. Property must be located within the State of Oregon. Appraisal required and all third party closing fees are due and payable upon commitment.
Personal Loans (variable rates)
Anytime Moneyline Line of Credit As low as 7.75% APR*
Personal As low as 11.75% APR*
*The rate is based on a margin over the Prime Rate of 5% as published in the Wall Street Journal as of July 1, 2018. The rate above is for 'A' credit borrowers, automatic payments, and based on the Prime Rate plus a margin of 3% (for ATML) and a margin of 7% (for a Personal loan). Rates are subject to change, with a maximum of 18% APR. Rate changes occur on the first day of the month.
Share Secured Loans (variable rates)
APR is 3.00% over the dividend rate on the secured funds with automatic payment. APR will vary with the dividend rate. Available only on Regular (Savings) Shares and (non-IRA) Certificates.
Credit Builder Loans (fixed rate)
Credit Builder is 9.90% APR (fixed rate) with automatic payment.

Share & Certificate Rates

Share Account Type

Dividend Rate %

Annual Percentage Yield %

Minimum Deposit

Transaction Accounts
Savings/Membership Share 0.02% 0.02% APY $0
Pathfinder Checking (with requirements met in the month)*
First $1,000 of Daily Balance 0.25% 0.25%* APY $0
Portion of Daily Balance Exceeding $1,000 0.02% 0.02% APY $0
Money Maximizer 0.02%
0.02%
0.04%
0.06%
0.07%
0.08%
0.10%
0.02%
0.02%
0.04%
0.06%
0.07%
0.08%
0.10%
$1**
$2,500
$10,000
$25,000
$50,000
$100,000
$150,000
Individual Retirement Account (Traditional, SEP, Roth, Coverdell ESA) 0.10% 0.10% APY $25
Health Savings Account (HSA) 0.00% 0.00% APY $0

Share Certificates (Including IRA Share Certificates)

Dividend Rate %

Annual Percentage Yield %

Minimum Deposit

Non-Transaction Accounts
3 Month 0.05% 0.05% APY $500
6 Month 0.15% 0.15% APY $500
12 Month 0.20% 0.20% APY $500
18 Month 0.25% 0.25% APY $500
24 Month 0.45% 0.45% APY $500
36 Month 0.70% 0.70% APY $500
48 Month 0.90% 0.90% APY $500
60 Month 1.09% 1.10% APY $500

All Rates and Terms are subject to change without notice. Rates shown are effective as of July 1, 2018. Fees can reduce earnings on the account. $1 par value membership share must remain on deposit to continue as a member. Share Certificates may be subject to a penalty for early withdrawal; principal may be forfeited. The penalty is the greater of a flat $250 minimum ($100 for terms of one year or less), or 15 days of dividends for each month of the original certificate term based on the original dividend rate for the certificate. Accounts do not earn dividends while maintaining a foreign address, or where the primary owner must file a W-8BEN, is not a 'US Person,' or lacks a valid US TIN.

*PATHFINDER CHECKING: The 0.25% APY only applies to that portion of the Daily Balance up to $1,000.00. Any portion of the Daily Balance exceeding $1,000.00 earns 0.02% APY. In each calendar month, earning dividends (and any applicable ATM surcharge refund) requires enrollment in eStatements, at least twelve Cascade debit and/or credit card purchases, and at least one electronic deposit to or withdrawal from the account. This account does not earn dividends in each month requirements are not met.

**Minimum $2,500.00 to open Money Maximizer account.