View our rates
Checking and Savings
|
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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|
Visa Debit Card Holder |
$0 - $5,000 |
1.489% |
1.50% |
|
Visa Credit Card Holder |
$0 - $15,000 |
2.959% |
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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|
$0 - $100,000 |
1.243% |
1.25% |
|
$100,001 |
0.100% |
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 Speedy Line and 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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|
$0 - $9,999 |
0.100% |
0.10% |
|
$10,000 - $24,999 |
0.200% |
0.20% |
|
$25,000 - $49,999 |
0.300% |
0.30% |
|
$50,000 - $99,999 |
0.399% |
0.40% |
|
$100,000 |
0.499% |
0.50% |
|
Term |
Dividend |
APY* |
|---|---|---|
|
*APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. $15,000 new money required. Contact Point West at 503.546.5000 for complete details. See full rates details and disclosures. |
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|
13 months |
4.89% |
5.00% |
|
Duration |
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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|
12 months |
$25 |
2.716% |
2.75% |
Credit Cards
|
Purchase APR* |
Cash Advance APR* |
Annual Fee |
Cash Advance Fee |
Late Fee |
Min. Finance Charge |
Return Payment Fee |
Min. Payment |
|---|---|---|---|---|---|---|---|
|
*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 >> |
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|
8.95% |
8.95% |
$0.00 |
$0.00 |
$27.00 |
$0.00 |
$27.00 |
3% of balance up to $25.00 |
|
Purchase APR* |
Cash Advance APR* |
Annual Fee |
Cash Advance Fee |
Late Fee |
Min. Finance Charge |
Return Payment Fee |
Min. Payment |
|---|---|---|---|---|---|---|---|
|
*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 >> |
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|
14.99% |
14.99% |
$0.00 |
$0.00 |
$27.00 |
$0.00 |
$27.00 |
3% of balance up to $25.00 |
|
Purchase APR* |
Cash Advance APR* |
Annual Fee |
Cash Advance Fee |
Late Fee |
Min. Finance Charge |
Return Payment Fee |
Minimum Payment |
|---|---|---|---|---|---|---|---|
|
*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 >> |
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|
17.90% |
17.90% |
$0.00 |
$0.00 |
$27.00 |
$0.00 |
$27.00 |
3% of balance up to $25.00 |
Vehicle Loans
|
APR (Fixed)* |
Applies to |
|---|---|
|
*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 >> |
|
|
5.49% - 17.49% |
Current Year - 2 Year Old Vehicles |
|
APR (Fixed)* |
Applies to |
|---|---|
|
*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 >> |
|
|
5.74% - 18.24% |
3-8 Year Old Vehicles |
|
APR (Fixed)* |
Applies to |
|---|---|
|
*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 >> |
|
|
6.99% - 19.24% |
9-12 Year Old Vehicles |
|
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. 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 >> |
|
6.50% - 19.50% |
|
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 >> |
|
5.74% - 8.49% |
Home Loans and HELOC
|
Loan to Value (LTV, with Autopay) |
Loan Period |
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 >> |
||
|
70% |
1 - 7 years |
6.00% |
|
70% |
8 - 15 years |
6.25% |
|
80% |
1 - 7 years |
6.50% |
|
80% |
8 - 15 years |
6.75% |
|
90% |
1 - 7 years |
6.75% |
|
90% |
8 - 15 years |
7.25% |
|
Loan to Value (LTV) |
Loan Terms |
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 >> |
||
|
70% |
2 year draw, 10 year repayment |
6.50% |
|
80% |
2 year draw, 10 year repayment |
7.00% |
|
90% |
2 year draw, 10 year repayment |
8.00% |
|
Loan to Value (LTV) |
Loan Terms |
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 >> |
||
|
70% |
7 year draw, 15 year repayment |
6.50% |
|
80% |
7 year draw, 15 year repayment |
7.00% |
|
90% |
7 year draw, 15 year repayment |
7.75% |
Personal Loans
|
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 >> |
|
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 >> |
|
9.50% - 24.75% |
|
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. 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 >>
|
|
10.24% - 25.49% |
Business Accounts and Loans
|
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. |
|||
|
Visa Debit Card Holder |
$0 - $5,000 |
1.50% |
1.489% |
|
Visa Credit Card Holder |
$0 - $15,000 |
3.00% |
2.959% |
|
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 >> |
|
5.49% - 20.00% |
|
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. 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 >>
|
|
10.24% - 25.49% |
|
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 >>
|
|
9.25% - 24.75% |
|
Purchase APR* |
Cash Advance APR* |
Annual Fee |
Cash Advance Fee |
Late Fee |
Min. Finance Charge |
Return Payment Fee |
Min. Payment |
|---|---|---|---|---|---|---|---|
|
*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 >> |
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|
8.95% |
8.95% |
$0.00 |
$0.00 |
$27.00 |
$0.00 |
$27.00 |
3% of balance up to $25.00 |