Rates & Fees

New and Used Auto Loans

Term    Rates as low as*

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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

Card Type (Fixed Rate)

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Loan (Variable Rate)

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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.

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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.

*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.

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.