Rates

Personal Checking and Savings

Eco Checking

Balance

Dividend*

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West VISA credit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. VISA credit card loan subject to credit approval. See full rates details and disclosures >>

$0 - $15,000

2.50%

2.529%

$15,000+

No dividends

No APY

 

Bonus Checking

Balance

Dividend*

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West debit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. See full rates details and disclosures >>

$0 - $15,000

0.50%

0.501%

$15,000+

No dividends

No APY

 

Share Account (Savings)

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. No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month. See full rates details and disclosures >>

$0 - $9,999

0.000%

0.000%

$10,000 - $24,999

0.000%

0.000%

$25,000 - $49,999

0.000%

0.000%

$50,000 - $99,999

0.000%

0.000%

$100,000 +

0.000%

0.000%

 

Money Market Account

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 >>

$0 - $9,999

0.025%

0.025%

$10,000 - $24,999

0.050%

0.050%

$25,000 - $49,999

0.050%

0.050%

$50,000 - $99,999

0.125%

0.125%

$100,000+

0.250%

0.250%

 

Member+ Share Certificate of Deposit

Duration

Deposit

Dividend

APY*

*APY = Annual Percentage Yield. Member + Certificates require a Point West Checking Account and debit card, plus three of the following products/services: direct deposit,consumer loan, VISA credit card with activity, or eStatements. Conditions apply if not all criteria are maintained for the term of the certificate. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. See full rates details and disclosures >>

12 months

$500 - 200K

0.499%

0.50%

 

Regular Share Certificate of Deposit

Duration

Deposit

Dividend

APY*

*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. See full rates details and disclosures >>

12 months

$500 - 200K

0.449%

0.45%

24 months

$500 - 200K

0.747%

0.75%

36 months

$500 - 200K

0.995%

1.00%

48 months

$500 - 200K

1.490%

1.50%

60 months

$500 - 200K

1.982%

2.00%

Save To Win Certificate of Deposit

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 >>

12 months

$25

0.349%

0.35%

Personal Loans and Credit Cards

Platinum VISA Credit Card

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 >>

8.95%

8.95%

$0.00

$0.00

$30.00

$0.00

$20.00

3% of balance up to $25.00

Classic VISA Credit Card

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 >>

14.99%

14.99%

$0.00

$0.00

$30.00

$0.00

$20.00

3% of balance up to $25.00

Fresh Start VISA Credit Card

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 >>

17.90%

17.90%

$0.00

$0.00

$30.00

$0.00

$20.00

3% of balance up to $25.00

Share Secured VISA Credit Card

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 >>

14.99%

14.99%

$0.00

$0.00

$30.00

$0.00

$20.00

3% of balance up to $25.00

Personal Loan

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. You will receive written notification in advance of any increase. 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, 0.25% APR higher for members without a Point West checking account 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 >>

7.74% - 19.74%

 

Personal Line of Credit

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. You will receive written notification in advance of any increase. 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, 0.25% APR higher for members without a Point West checking account 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 >>

7.74% - 19.74%

 

Debt Consolidation Loan

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, 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, 0.25% APR higher for members without a Point West checking account 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 >>

5.99% - 18.49%

 

Share Secured Loan

APR (Fixed)*

*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 >>

1.24%

 

Home Equity Loans (Fixed)

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

3.75%

70%

8 - 15 years

4.00%

80%

1 - 7 years

4.25%

80%

8 - 15 years

4.50%

90%

1 - 7 years

4.75%

90%

8 - 15 years

5.00%

 

Home Equity Line of Credit (Fixed)

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 

3.75%

80%

2 year draw, 10 year repayment 

4.25%

90%

2 year draw, 10 year repayment 

4.75%

Home Equity Line of Credit (Variable)

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. You will receive written notification in advance of any increase. 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

3.50%

80%

7 year draw, 15 year repayment

4.00%

90%

7 year draw, 15 year repayment

4.50%

Auto Loan (New)

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 >>

1.74% - 11.49%

 

Auto Loan (Used)

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 >>

2.24% - 11.74%

 

Auto Loan (Older Used)

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 >>

3.49% - 11.99%

 

Boat & RV Rates

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 >>

5.00% - 17.50%

 

Bicycle Loans

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 >>

3.74% - 6.74%

Business Checking and Savings

Business Eco Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West VISA credit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. VISA credit card loan subject to credit approval. See full rates details and disclosures >>

$0 - $15,000

2.50%

2.529%

$15,000+

No dividend

No APY

 

Business Bonus Checking

Balance

Dividend

APY*

*APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must make a minimum of ten (10) Point West debit card transactions per month, be enrolled in Online Banking and eStatements, and have a direct deposit of at least $500 per month to their Point West account. See full rates details and disclosures >>

$0 - $15,000

0.50%

0.50%

$15,000+

No dividend

No APY

 

Business Share/Savings Account Rates

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. No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month. See full rates details and disclosures >>

$0 - $9,999

0.00%

0.00%

$10,000 - $24,999

0.00%

0.00%

$25,000 - $49,999

0.00%

0.00%

$50,000 - $99,999

0.00%

0.00%

$100,000 or more

0.00%

0.00%

Business Loans and Credit Cards

Secured Business Purpose Loan

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 >>

2.74% - 17.74%

 

Business Line of Credit / Unsecured Business Loan

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. You will receive written notification in advance of any increase. 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, 0.25% APR higher for members without a Point West checking account 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 >>

8.74% - 20.74%

 

Business Share Secured Loan

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 >>

2.24%

 

Business VISA Credit Card

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 >>

8.95%

8.95%

$0.00

$0.00

$0.00

$0.00

$20.00

3% of balance up to $25.00

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