Rates & Fees

Rates

New and Used Auto Loans

Term    Rates as low as*

36 mo 1.74%APR
48 mo 1.99%APR
60 mo 2.24%APR
72 mo 2.49%APR
84 mo 2.74%APR

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* A.P.R.= Annual Percentage Rate. Actual A.P.R. may differ based on collateral, loan amount, term length, and borrower’s credit profile.
Payment example: APR based on “A” tier credit borrower. Rate is quoted with AutoPay discount. Loans without AutoPay are 0.50% higher. Monthly payments for a minimum $15,000 Auto Loan at 1.74% APR with a term of 3 years would result in 36 monthly payments of $427.96

New or Used Recreational Vehicles

Term      Rates as low as*

48 mo 3.99%APR
60 mo 3.99%APR
84 mo 4.24%APR
120 mo 4.99%APR
144 mo 5.24%APR
180 mo 5.49%APR

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* A.P.R.= Annual Percentage Rate. Actual A.P.R. may differ based on collateral, loan amount, term length, and borrower’s credit profile.
Payment example: APR based on “A” tier credit borrower. Rate is quoted with AutoPay discount. Loans without AutoPay are 0.50% higher. Monthly payments for a minimum $15,000 Recreational Vehicle at 3.99% APR with a term of 4 years would result in 48 monthly payments of $338.66

Card Type (Fixed Rate)

Visa
9.90% APR
Share Secured Visa
9.90%APR
Rewards Visa
11.90% APR
Business Visa
10.9%APR

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Loan (Variable Rate)

Anytime Moneyline Line of Credit
APR as low as 6.25%*
Personal
APR as low as 10.25%*

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*The rate is based on a margin over the Prime Rate of 3.25% as published in the Wall Street Journal as of April 1, 2020. The rate above is for ‘A’ credit borrowers, automatic payments1, 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.
1 Rates without automatic payments are .50% higher.
Home Equity Line of Credit (Fixed Rate)
APR as low as 3.74%*
Home Equity Line of Credit (Variable Rate)
APR as low as 3.49%**
In-House Purchase Mortgage (Fixed Rate)
APR as low as 3.49%***

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*This rate is for ‘A’ credit borrowers, 70% loan-to-value ratio, first lien position, approved collateral, owner-occupied and automatic payments1. 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.
**This rate is based on a margin of 0.24% over the Prime Rate as published in the Wall Street Journal as of April 1, 2020 as 3.25%. This rate is for ‘A’ credit borrowers, 70% loan-to-value ratio, first lien position, approved collateral, owner-occupied and automatic payments1. 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.
***This rate is for ‘A’ credit borrowers, 80% loan-to-value, first lien position, approved collateral, owner-occupied and automatic payments1. 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.
1 Rates without automatic payments are .50% higher.
Pathfinder Checking*
Balance    |    Dividend Rate    |    APY
$0-$1000             0.25%                  0.25%
Pathfinder Checking
Balance    |    Dividend Rate    |    APY
$1,000+               0.02%                   0.02%
*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.

 

Name
Deposit Range
Dividend
APY
Minimum Balance
Savings $0 0.02% 0.02% $0
Money Maximizer $1-$2,499 0.02% 0.02% $1*
Money Maximizer $2,500-$9,999 0.02% 0.02% $2,500
Money Maximizer $10,000 – $24,999 0.03% 0.03% $10,000
Money Maximizer $25,000 – $49,999 0.04% 0.04% $25,000
Money Maximizer $50,000 – $99,999 0.05% 0.05% $50,000
Money Maximizer $100,000 – $149,999 0.08% 0.08% $100,000
Money Maximizer $150,000 and Up 0.10% 0.10% $150,000
Individual Retirement Account $25 and Up 0.10% 0.10% $25
Health Savings Account $0 0.00% 0.00% $0
*Minimum $2,500.00 to open Money Maximizer account
Term
6 Month

Balance    |    Dividend Rate    |    APY
$500+                       0.10%                0.10%
12 Month

Balance    |    Dividend Rate    |    APY
$500+                      0.15%                0.15%
18 Month

Balance    |    Dividend Rate    |    APY
$500+                     0.20%                  0.20%
24 Month

Balance    |    Dividend Rate    |    APY
$500+                   0.25%                   0.25%
36 Month

Balance    |    Dividend Rate    |    APY
$500+                    0.30%                   0.30%
48 Month

Balance    |    Dividend Rate    |    APY
$500+                    0.35%                  0.35%
60 Month

Balance    |    Dividend Rate    |    APY
$500+                     0.40%                  0.40%
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.

All Rates and Terms are subject to change without notice. Fees can reduce earnings on the account. $1 par value membership share must remain on deposit to continue as a member. Subject to credit approval. Membership Requirements apply. Rates are effective as of July 20, 2021.