Rates
|
Card Type |
Balance |
Dividend* |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must meet outlined requirements for the month to be eligible. Members may only qualify for one of the stated rates above each month. **Transactions for Point West credit/debit cards must post between 28th of prior month and 27th of current month to qualify. ***Visa credit card loan subject to credit approval. Contact Point West Credit Union for complete details at 503.546.5000. Federally insured by NCUA. |
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|
Card Type Visa Debit Card Holder |
Balance $0 – $5,000 |
Dividend* 1.489% |
APY* 1.50% |
|
Card Type Visa Credit Card Holder |
Balance $0 – $15,000 |
Dividend* 2.959% |
APY* 3.00% |
|
Balance |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month. For active, qualifying 501(c)(3) non-profit organizations only. Subject to verification. For complete account terms, rates and fees, contact the credit union at 503.546.5000. Federally insured by NCUA. |
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|
Balance $0 – $100,000 |
Dividend 1.243% |
APY* 1.25% |
|
Balance $100,001 |
Dividend 0.100% |
APY* 0.10% |
|
Balance |
Dividend* |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Savings and Money Market Transfer Limitations – Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including Online Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club, including orders received through the Automated Clearing House (ACH)). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month. Minimum of $5.00 deposited in order to earn stated APY. See full rates details and disclosures >> |
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|
Balance Greater than $0 |
Dividend* 0.03% |
APY* 0.03% |
|
Balance |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Savings and Money Market Transfer Limitations – Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including Online Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club, including orders received through the Automated Clearing House (ACH)). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. See full rates details and disclosures >> |
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|
Balance $0 – $9,999 |
Dividend 0.100% |
APY* 0.10% |
|
Balance $10,000 – $24,999 |
Dividend 0.200% |
APY* 0.20% |
|
Balance $25,000 – $49,999 |
Dividend 0.300% |
APY* 0.30% |
|
Balance $50,000 – $99,999 |
Dividend 0.399% |
APY* 0.40% |
|
Balance $100,000 |
Dividend 0.499% |
APY* 0.50% |
|
Term |
Deposit |
Dividend |
APY* |
Additional deposit and rate bump? |
|---|---|---|---|---|
|
*APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. 36, 48 and 60 month certificates allow one (1) additional deposit and one (1) rate bump during the certificate term. Bumped rate will only apply to dividends accrued on currently deposited funds through the remainder of the maturity term. See full rates details and disclosures >> |
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|
Term 3 months |
Deposit $500 – 200K |
Dividend 0.698% |
APY* 0.70% |
Additional deposit and rate bump? |
|
Term 12 months |
Deposit $500 – 200K |
Dividend 3.687% |
APY* 3.75% |
Additional deposit and rate bump? |
|
Term 24 months |
Deposit $500 – 200K |
Dividend 2.472% |
APY* 2.50% |
Additional deposit and rate bump? |
|
Term 36 months |
Deposit $500 – 200K |
Dividend 2.570% |
APY* 2.60% |
Additional deposit and rate bump? (Once per certificate term) |
|
Term 48 months |
Deposit $500 – 200K |
Dividend 2.325% |
APY* 2.35% |
Additional deposit and rate bump? (Once per certificate term) |
|
Term 60 months |
Deposit $500 – 200K |
Dividend 2.472% |
APY* 2.50% |
Additional deposit and rate bump? (Once per certificate term) |
|
Term |
Min. Deposit |
Dividend |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Contact Point West at 503.546.5000 for complete details. See full rates details and disclosures >> |
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|
Term 12 months |
Min. Deposit $25 |
Dividend 3.687% |
APY* 3.75% |
|
Credit Card Type |
Purchase APR* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
|
|
Credit Card Type Platinum VISA Credit Card |
Purchase APR* 8.95% |
|
Credit Card Type Classic VISA Credit Card |
Purchase APR* 14.99% |
|
Credit Card Type Fresh Start VISA Credit Card |
Purchase APR* 17.90% |
|
Credit Card Type Share Secured VISA Credit Card |
Purchase APR* 14.99% |
|
Term |
APR (Variable)* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. Longest term available for loans greater than $15,000. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 1 – 60 months |
APR (Variable)* 9.25% – 24.00% |
|
APR (Variable)* |
|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
|
APR (Variable)* 9.50% – 24.75% |
|
Term |
APR (Variable)* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. Automatic payments are required for lowest rate. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 1 – 48 months |
APR (Variable)* 10.24% |
|
Term 49 – 60 months |
APR (Variable)* 10.74% |
|
Term |
APR (Variable)* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Loan not eligible for rate discounts. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 1 – 120 months |
APR (Variable)* 2.24% |
|
Term |
APR (Fixed) As Low As* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 24 months |
APR (Fixed) As Low As* 5.24% |
|
Term 36 months |
APR (Fixed) As Low As* 5.24% |
|
Term 48 months |
APR (Fixed) As Low As* 5.24% |
|
Term 60 months |
APR (Fixed) As Low As* 5.49% |
|
Term 72 months |
APR (Fixed) As Low As* 5.74% |
|
Term 84 months |
APR (Fixed) As Low As* 5.99% |
|
Term |
APR (Fixed) As Low As* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 24 months |
APR (Fixed) As Low As* 5.49% |
|
Term 36 months |
APR (Fixed) As Low As* 5.49% |
|
Term 48 months |
APR (Fixed) As Low As* 5.49% |
|
Term 60 months |
APR (Fixed) As Low As* 5.74% |
|
Term 72 months |
APR (Fixed) As Low As* 5.99% |
|
Term 84 months |
APR (Fixed) As Low As* 6.49% |
|
Term |
APR (Fixed) As Low As* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 1-60 months |
APR (Fixed) As Low As* 6.99% |
|
Term |
APR (Fixed)* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. Longest term available for loans greater than $60,000. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 1-120 months |
APR (Fixed)* 6.50% – 19.50% |
|
Term |
Finance Up To |
APR (Fixed)* |
|---|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. 24 month term available with a 0.5% increase in APR. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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|
Term 12 months |
Finance Up To $5,000 |
APR (Fixed)* 5.74% – 8.49% |
|
Loan to Value (LTV, with Autopay) |
Term |
APR* (as low as) |
|---|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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Loan to Value (LTV, with Autopay) 70% |
Term 1 – 7 years |
APR* (as low as) 6.00% |
|
Loan to Value (LTV, with Autopay) 70% |
Term 8 – 15 years |
APR* (as low as) 6.25% |
|
Loan to Value (LTV, with Autopay) 80% |
Term 1 – 7 years |
APR* (as low as) 6.50% |
|
Loan to Value (LTV, with Autopay) 80% |
Term 8 – 15 years |
APR* (as low as) 6.75% |
|
Loan to Value (LTV, with Autopay) 90% |
Term 1 – 7 years |
APR* (as low as) 6.75% |
|
Loan to Value (LTV, with Autopay) 90% |
Term 8 – 15 years |
APR* (as low as) 7.25% |
|
Loan to Value (LTV, with Autopay) |
Term |
APR* (as low as) |
|---|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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Loan to Value (LTV, with Autopay) 70% |
Term 2 year draw, 10 year repayment |
APR* (as low as) 6.00% |
|
Loan to Value (LTV, with Autopay) 80% |
Term 2 year draw, 10 year repayment |
APR* (as low as) 6.50% |
|
Loan to Value (LTV, with Autopay) 90% |
Term 2 year draw, 10 year repayment |
APR* (as low as) 7.25% |
|
Loan to Value (LTV) |
Term |
APR* (as low as) |
|---|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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Loan to Value (LTV) 70% |
Term 7 year draw, 15 year repayment |
APR* (as low as) 5.75% |
|
Loan to Value (LTV) 80% |
Term 7 year draw, 15 year repayment |
APR* (as low as) 6.25% |
|
Loan to Value (LTV) 90% |
Term 7 year draw, 15 year repayment |
APR* (as low as) 7.00% |
|
Card Type |
Balance |
Dividend* |
APY* |
|---|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must meet outlined requirements for the month to be eligible. Members may only qualify for one of the stated rates above each month. **Transactions for Point West credit/debit cards must post between 28th of prior month and 27th of current month to qualify. ***Visa credit card loan subject to credit approval. Contact Point West Credit Union for complete details at 503.546.5000. Federally insured by NCUA. Learn More |
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|
Card Type Visa Debit Card Holder** |
Balance $0 – $5,000 |
Dividend* 1.489% |
APY* 1.50% |
|
Card Type Visa Credit Card Holder*** |
Balance $0 – $15,000 |
Dividend* 2.959% |
APY* 3.00% |
|
Balance |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Savings and Money Market Transfer Limitations – Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic, overdraft, and telephone transfers (including Online Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club, including orders received through the Automated Clearing House (ACH)). There is no limit on the number of transactions you may make to another Point West Credit Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM. No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month. Minimum of $5.00 deposited in order to earn stated APY. See full rates details and disclosures >> Learn More |
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|
Balance Greater than $0 |
Dividend 0.03% |
APY* 0.03% |
|
Card Type |
Purchase APR* |
|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All loans are subject to credit approval. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
|
|
Card Type Business Visa Credit Card |
Purchase APR* 8.95% |
|
Loan Type |
Term |
APR (Fixed) |
|---|---|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment. Rate is 0.25% APR higher for non-auto pay loan payments. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> **APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. Automatic payments are required for lowest rate. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> ***APR = Annual Percentage Rate. All rates and programs are subject to change at any time. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. Loan not eligible for rate discounts. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
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Loan Type Secured Business Purpose Loan |
Term 1 – 84 months |
APR (Fixed) 5.74% – 20.00%* |
|
Loan Type Business Debt Consolidation |
Term 1 – 60 months |
APR (Fixed) 10.24% – 25.49%** |
|
Loan Type Business Share Secured Loan |
Term 1 – 120 months |
APR (Fixed) 2.24%*** |
|
APR (Variable)* |
|---|
|
*APR = Annual Percentage Rate. All rates and programs are subject to change at any time. All rates are variable unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment, member must have a Point West checking account, and member must enroll in direct deposit. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. Contact Point West at 503.546.5000 or 888.468.5826 for the latest complete rates and terms. See full rates details and disclosures >> Learn More |
|
APR (Variable)* 9.25% – 24.75% |