PERSONAL LENDING & DEPOSIT RATES
Auto Rates
| Effective Date: March 7, 2024 | Annual Percentage Rate (APR) | Months |
|---|---|---|
| New Auto | 6.49% - 19.24% | Up to 60 months |
| 6.74% - 19.24% | 61 to 72 months | |
| 7.14% - 19.74% | 73 to 84 months | |
| 9.49% - 11.74% | 85 to 96 months | |
| Used Auto | 6.74% - 19.49% | Up to 60 months |
| 6.99% - 19.74% | Up to 72 months | |
| 7.39% - 19.99% | 73 to 84 months | |
| 10.49% - 10.99% | 85 to 96 months |
RV & Sports Craft
| Effective Date: March 14, 2024 | Annual Percentage Rate (APR) | Months |
|---|---|---|
| New Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers | 8.99% - 20.24% | Up to 84 months |
| 9.24% - 20.49% | 85 to 120 months | |
| 9.74% - 20.99% | 121 to 180 months | |
| Used Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailers | 9.49% - 20.74% | Up to 84 months |
| 9.74% - 20.99% | 85 to 120 months | |
| 10.24% - 21.49% | 121 to 180 months | |
| New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs | 8.99% - 24.00% | Up to 60 months |
| 9.24% - 24.00% | 61 to 72 months | |
| 9.49% - 24.00% | 73 to 84 months | |
| Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVs | 9.49% - 24.00% | Up to 60 months |
| 9.74% - 24.00% | 61 to 72 months | |
| 9.99% - 24.00% | 73 to 84 months |
Personal Loans
| Effective Date: April 26, 2024 | Annual Percentage Rate (APR)** | Term In Months | Periodic Rate Range |
|---|---|---|---|
| Personal Loan Up to 60 Months | 13.50% - 22.25% | Up to 60 months | 0.036986% to 0.060959% |
| Personal Loan 61-72 months | 14.50% - 22.25% | 61 to 72 months | 0.039726% to 0.060959% |
| Emergency Loan | 6.75% | Up to 24 months | 0.018493% |
Personal Line of Credit, Visa, & Other Loans
| Effective Date: April 26, 2024 | Annual Percentage Rate (APR)** | Periodic Rate Range | Margin Range |
|---|---|---|---|
| Personal Line of Credit | 13.50% - 23.50% | 0.036986% to 0.064384% | 5.00% - 15.00% |
| Visa Signature Rewards | 15.99% - 24.50% | 0.043808% - 0.067123% | 7.49% - 16.00% |
| Visa Platinum Low Rate | 11.99% - 23.50% | 0.032849% to 0.064384% | 3.49% - 15.00% |
| Visa Platinum Secured | 20.50% | 0.056164% | 12.00% |
| Community Partnership Unsecured Loan | 16.00% | 0.043836% | |
| Courtesy Loan | 10.00% | 0.027397% | |
| Savings Secured/Credit Builder | 5.00%*** | 5.00%*** | |
| Certificate Secured | Your APR is variable based on the interest paid on the certificate account, plus 3.00 percentage points. Your APR will be disclosed on the Funds Advance Voucher provided at the time of account open. |
Personal Deposit Rates
| Effective Date: October 2, 2023 | Interest Rate | Annual Percentage Yield | Minimum Opening Balance | Minimum Daily Balance to Earn Interest | Interest Compounded & Credited |
|---|---|---|---|---|---|
| Youth Membership/Kid Kash $5.00 - $9,999.99 | .05% | .05% | $5 | $5 | Quarterly |
| $10,000.00 - $24,999.99 | .05% | .05% | $5 | $5 | Quarterly |
| $25,000.00 and greater | .05% | .05% | $5 | $5 | Quarterly |
| Membership Account $100.00 - $9,999.99 | .05% | .05% | $5 | $100 | Quarterly |
| $10,000.00 - $24,999.99 | .05% | .05% | $5 | $100 | Quarterly |
| $25,000.00 and greater | .05% | .05% | $5 | $100 | Quarterly |
| Rainy Day Savings $100.00 - $9,999.99 | .05% | .05% | $25 | $100 | Quarterly |
| $10,000.00 - $24,999.99 | .05% | .05% | $25.00 | $100 | Quarterly |
| $25,000.00 and greater | .05% | .05% | $25.00 | $100 | Quarterly |
| Money Market Plus $0.01 - $1,000.00 | 1.14% | 1.15% | $25.00 | $0.01 | Monthly |
| $1,000.01 - $5,000.00 | 1.09% | 1.10% | $25 | $0.01 | Monthly |
| $5,000.01 - $10,000.00 | 0.80% | 0.80% | $25.00 | $0.01 | Monthly |
| $10,000.01 - $50,000.00 | 0.12% | 0.12% | $25.00 | $0.01 | Monthly |
| $50,000.01 - $100,000.00 | 0.10% | 0.10% | $25.00 | $0.01 | Monthly |
| $100,000.01 - $250,000.00 | 0.007% | 0.07% | $25.00 | $0.01 | Monthly |
| $250,000.01 and greater | 0.05% | 0.05% | $25.00 | $0.01 | Monthly |
| Choice Money Market $25,000.00 - $49,999.99 | 0.95% | 0.95% | $25,000 | $25,000 | Monthly |
| $50,000.00 - $99,999.99 | 1.00% | 1.00% | $25,000 | $25,000 | Monthly |
| $100,000.00 and greater | 1.04% | 1.05% | $25,000 | $25,000 | Monthly |
| First Time Homebuyer Savings | 0.10% | 0.10% | N/A | N/A | Monthly |
| IRA Deposit $100.00 - $9,999.99 | .10% | .10% | $100 | $100 | Quarterly |
| $10,000.00 and greater | .15% | .15% | $100 | $100 | Quarterly |
| Simply Checking* & MY Checking* | N/A | N/A | $25.00 | N/A | None |
| 50+ Checking | 0.05% | 0.05% | $25.00 | $0.01 | Monthly |
| Direct Interest Checking | 0.05% | 0.05% | $25.00 | $0.01 | Monthly |
| Premier Interest Checking $0.00 - $1,499.99 | 0.05% | 0.05% | $25.00 | $0.01 | Monthly |
| $1,500.00 - $24,999.99 | 0.07% | 0.07% | $25.00 | $0.01 | Monthly |
| $25,000.00 ‐ $49,999.99 | 0.09% | 0.009% | $25.00 | $0.01 | Monthly |
| $50,000.00 ‐ $99,999.99 | 0.11% | 0.11% | $25.00 | $0.01 | Monthly |
| $100,000.00 and Greater | 0.14% | 0.14% | $25.00 | $0.01 | Monthly |
Home Equity Loan Rates
| Effective date: August 9, 2023 | APR** | Months | Periodic Rate Range |
|---|---|---|---|
| Home Equity Loan | 8.50% - 10.50% | *Up to 240 Months | 0.023288% to 0.028767% |
| Home Equity Fixed For Five Years | 8.50% - 10.00% | 0.023288% to 0.027397% | |
| Plus Line - Variable Rate Terms | 8.50% - 10.25% | 0.023288% to 0.028082% | |
| Plus Line - Fixed Rate Terms | 8.75% - 11.25% | 0.023973% to 0.030822% | |
| Manufactured - Park Model | 8.50% - 10.00% | 0.023288% to 0.027397% |
Certificate Rates
| Effective Date: April 1, 2024 | Interest Rate $500 – $24,999.99 | APY $500- $24,999.99 | Interest Rate $25,000 – $99,999.99 | APY $25,000 – $99,999.99 | Interest Rate >$100,000 | APY >$100,000 | Interest Compounded & Credited |
|---|---|---|---|---|---|---|---|
| Certificates/IRA Certificates 6 Months | 1.24% | 1.25% | 1.24% | 1.25% | 1.24% | 1.25% | Monthly |
| 12 Months | 2.47% | 2.50% | 2.47% | 2.50% | 2.47% | 2.50% | Monthly |
| 18 Months | 2.57% | 2.60% | 2.57% | 2.60% | 2.57% | 2.60% | Monthly |
| 24 Months | 2.67% | 2.70% | 2.67% | 2.70% | 2.67% | 2.70% | Monthly |
| 36 Months | 2.76% | 2.80% | 2.76% | 2.80% | 2.76% | 2.80% | Monthly |
| 48 Months | 2.86% | 2.90% | 2.86% | 2.90% | 2.86% | 2.90% | Monthly |
| 60 Months | 2.96% | 3.00% | 2.96% | 3.00% | 2.96% | 3.00% | Monthly |
| Bump Certificates 12 Months | 2.23% | 2.25% | 2.23% | 2.25% | 2.23% | 2.25% | Monthly |
| 24 Months | 2.42% | 2.45% | 2.42% | 2.45% | 2.42% | 2.45% | Monthly |
| Flex 12 (Consumer, IRA, & Business) 12 Months | 5.48% | 5.62% | N/A | N/A | N/A | N/A | Monthly |
Note
- Approved APR will be 0.25% higher than the above APRs if you do not have autopay.
- Approved APR will be 0.25% higher than the above APRs if you do not receive your monthly statement via eStatements.
Disclosures
*Available term on Consumer Loans is based on amount borrowed and credit qualifications.
** The Annual Percentage Rate shown is a range of rates that may apply based upon your credit qualifications and other pricing factors. The Periodic Rate and ANNUAL PERCENTAGE RATE (for fixed rate loans), or the margin added to the index to determine the ANNUAL PERCENTAGE RATE (for variable rate loans), that will apply to your account may be based on a number of criteria, including your employment and residential status, current debt ratio, and your past credit experience.
*** For savings secured loans and Credit Builder, the ANNUAL PERCENTAGE RATE is fixed. Your ANNUAL PERCENTAGE RATE will be disclosed on the Funds Advance Voucher provided at the time your loan account is open.
****For Certificate secured loans, your ANNUAL PERCENTAGE RATE is variable based on the interest paid on the certificate account, plus 3.00 percentage points. Your ANNUAL PERCENTAGE RATE will be disclosed on the Funds Advance Voucher provided at the time your loan account is open.
Central Willamette Credit Union may offer other rates at any time.
For Real Estate Loan rates, call (541) 918-7424 or (800) 950-4536 toll free.
A default Annual Percentage Rate of 24.00% will be applied to all revolving loans (Personal Line of Credit) that become 60 days past due. This default rate remains in effect until the loan has a positive repayment history for 180 days with no delinquency greater than 10 days. The Credit Union may offer other rates in the future.
Membership requirements apply.