Loan Rates Effective October 1, 2019

Consumer loan Rates

Effective Date: November 1, 2021

Fixed Rate Term Loans

New Auto (Current Model and 1 year old) Used Auto (1+ Model year up to 10 years old) Classic Cars (Over 10 years old) New Boat, RV and other Recreational Vehicles Used Boat, RV and other Recreational Vehicles New Off Road/Titled Vehicles Used Off Road/Titled Vehicles Personal Loans Caregiver Loan Bike Loan Share Secured Payday Relief Loan

Revolving Lines of Credit

Personal Line of Credit VISA Credit Card

Visa Platinum Visa Classic Visa New Beginnings

Real Estate Loans & Lines of Credit

Home Equity Line of Credit (HELOC) Owner Occupied Non-Owner Occupied

Fixed Home Equity Loan Owner Occupied Non-Owner Occupied

Mortgage Loans

Student Loans

Education Refinance Fixed Rate Education Refi Variable Rate In-School Fixed Rate In-School Variable Rate

Repayment Terms

Up to 84 months Up to 84 months Up to 72 months Up to 144 months Up to 144 months Up to 60 months Up to 60 months Up to 60 months Up to 12 months Up to 48 months Up to 60 months Up to 6 months

Description

Up to $15,000 Annual Fee None None $12

Repayment Terms

Annual Percentage Rate

1.49% to 15.74% 1

1.78% to 15.99% 1

4.28% to 17.99% 1

4.74% to 14.64% 1

4.99% to 14.89% 1

5.99% to 16.49% 1

6.39% to 16.89% 1

6.99% to 18.00% 1

9.99% to 14.99% 1

6.24%

1

3.99% + Share Rate 1

25.00% to 28.00% 1

Annual Percentage Rate

8.99% to 18.00% Annual Percentage Rate

8.75% 8.75% to 18.00%

18.00%

Annual Percentage Rate

264 months 264 months

3.50% to 5.50% 2 3.75% to 6.00% 2

Up to 180 months

3.22% to 5.76% 3

Up to 180 months

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Term

Annual Percentage Rate

Up to 180 months up to 180 months

144 months 144 months

2.99% to 7.50% 2.34% to 8.24% 4

3.99% to 7.99% 1.84% to 7.65% 4

Additional Information

90 DAYS NO PAYMENT 90 DAYS NO PAYMENT

Only available to PHS Employee Loan Amounts from $1,000 to $7,500

Loan Amount up to $1000

Additional Information

4.99% on balance transfers for Visa Platinum & Classic cards with no transfer fee.

Additional Information

Index HELOCs is the Wall Street Journal Prime(WSJP) plus Margin.

Fixed Rate & Payment for the life loan.

Additional Information

1 - Rate reflect Relationship Pricing which includes a rate discount of .25% for automatic payment and enrolled in free eStatements. 2- Variable Rate HELOC. The ANNUAL PRECENTAGE RATE (APR) is based on the value of an index, which is the Prime rate published in Wall Street Journal. The APR can change on the first day of each quarter following the index change. Any increase in the Index may increase the APR and may increase the amount of monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Margin, will depend upon the borrower's and co-borrower's (if applicable) credit qualification. The Interest Rate will not exceed 18.00%, regardless of the Index. Margin will be disclosed at account opening. This Margin is added to the Index to determine the calculated interest rate. Floor rate is in effect any time the calculated interest rate is below the assigned Floor rate. 3 - Fixed Annual Percentage Rate (APR) based on $100,000 loan amount includes $20 Application fee, $5 Credit Report Fee, $150 Origination Fee, $30 Automated Value Assessment, $10.25 Flood Cert. and est. Recording Costs of $250.

4- Variable Rate Student Loan. The ANNUAL PRECENTAGE RATE (APR) Your Interest Rate is variable and may be adjusted quarterly based on the assigned index. Any increase in the Index may increase the APR and may increase the amount of monthly payment. Current offered rate(s) are calculated by using the Index, Margin and Floor value(s) in effect. Your specific Index, Margin, Floor, and/or credit approval will depend upon the student borrower's and coborrower's (if applicable) credit qualification. Applications may apply with a creditworthy U.S. co-borrow which may result in a better chance of approval and/or lower interest rate. The Interest Rate will not exceed 18.00%, regardless of the Index. Margin will be disclosed at account opening. This Margin is added to the Index to determine the calculated interest rate. Floor rate is in effect any time the calculated interest rate is below the assigned Floor rate. The Floor rate will be disclosed at account opening. All rates are determined by the Board of Directors and may change without notice. Unless otherwise indicated, offered rates are current as of November 1, 2021.

6400 SE Lake Road, Ste 125, Milwaukie, OR 97222 (503) 215-6090 | (888) 849-5189 |

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