Loan Rates Effective October 1, 2019

[Pages:1]Consumer Loan Rates

Effective Date: July 1, 2022

Fixed Rate Term Loans

New Auto (Current Model and 1 year old) Up to 125% financing available Up to 125% financing available Up to 125% financing available

Used Auto (1+ Model year up to 10 years old) Up to 125% financing available Up to 125% financing available Up to 125% financing available

Classic Cars (Over 10 years old)

New Boat, Motorcycle, RV, and other Rec Vehicles

Used Boat, Motorcycle, RV, and other Rec Vehicles

New Off Road/Titled Vehicles Used Off Road/Titled Vehicles Personal Loans Summer Loan Special Caregiver Loan (Available only to PHS Employee) Care Worker Loan (Available only to UDW Members) 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

Repayment Terms

Up to 36 months 37 - 60 months 61 - 84 months

Up to 36 months 37 - 60 months 61 - 84 months

Up to 36 months 37 - 60 months 61 - 72 months

Up to 60 months 61-144 months

Up to 60 months 61 to 144 months Up to 60 months Up to 60 months Up to 60 months Up to 36 months

6 - 12 months 6 - 12 months 12 - 48 months Up to 60 months 1 - 6 months

Description

Up to $15,000 Annual Fee

None None $12

Repayment Terms

Annual Percentage Rate

Additional Information

2.99% to 16.49% 1 3.24% to 16.74% 1 3.74% to 17.24% 1

90 DAYS NO PAYMENT

3.24% to 16.74% 1 3.45% to 16.95% 1 3.95% to 17.45% 1

90 DAYS NO PAYMENT

5.24% to 17.99% 1 5.45% to 17.99% 1 5.95% to 17.99% 1

4.99% to 14.49% 1 5.39% to 14.89% 1

5.24% to 14.74% 1

5.64% to 15.14% 1

5.99% to 16.49% 1

6.39% to 16.89% 1

8.49% to 17.00% 1

6.99% to 16.00% 1

9.99% to 14.99% 1

9.99% to 14.99% 1

6.24%

1

3.99% + Share Rate 1

25.00% to 28.00% 1

Annual Percentage Rate

10.49% to 18.00% Annual Percentage Rate

9.25% 9.25% to 18.00%

18.00%

Annual Percentage Rate

Loan amounts up to $20,000 Loan amounts up to $10,000 Discount with Auto Pay and Savings Discount with Auto Pay and Savings Loan amounts from $1,000 to $7,500

Loan amounts from $200 to $1,000; $20 app fee

Additional Information

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

Additional Information

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

Fixed Home Equity Loan Owner Occupied

Non-Owner Occupied Mortgage Loans

264 months 264 months

3.50% to 5.75% 2 4.00% to 6.25% 2

Up to 60 months 61 - 120 months 121 - 180 months Up to 180 months

4.68% to 5.93% 3 5.09% to 6.34% 3 5.31% to 6.56% 3 Contact the Credit Union

Visit for current rates or give us a call.*

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

Fixed Rate & Payment for the life of the loan

Student Loans

Term

Annual Percentage Rate

Additional Information

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

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 PERCENTAGE 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 anytime 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 PERCENTAGE RATE (APR) 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 co-borrower'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 anytime 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 July 1, 2022.

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

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