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Rates

Deposit Rates

 (Download PDF)   |   Rates Effective 11/11/1111
Product Tier Annual Percentage Yield (APY)
Fusion Checking $0.01 - $10,000 2.00%1

$10,000.01 - $25,000 1.50%1

$25,000.01 or more 0.10%1
Start Checking n/a  n/a3
Cashback Checking n/a n/a4
Access Checking n/a n/a5
HSA Interest Checking $0 - $2,499.99 0.05%6

$2,500 - $9,999.99 0.05%6

$10,000 or more 0.05%6

1*APY= Annual Percentage Yield. Rates are subject to change after account opening. Minimum opening deposit is $25.00. When Fusion requirements are met, balances over $25,000 earn 0.10% APY. To earn Fusion rate and ATM fee refunds you must satisfy the following requirements during the requirement cycle: have at least 12 debit card transactions post and clear; have at least one automatic payment or direct deposit post and clear; and receive statements electronically. Requirement cycles begin on the last calendar day of the month and end on the next to last calendar day of the month (at close of business on a Monday through Saturday and 5:00 pm on a Sunday). To ensure you receive the highest interest rate tier, all Fusion requirements must be met by within the disclosed requirement cycle. ATM transactions do not count toward the 12 check card transactions. International ATM fees are not eligible for ATM fee refund. Interest and ATM refunds will be paid on the last day of the month in which it is earned. If account requirements are not met, the rate will be 0.05% APY and ATM fees will not be refunded.

3Minimum amount to open a Start Checking is $25. To earn cash back you must be signed up to receive eStatements from Advantis. You will earn $0.10 on every qualifying purchase that posts during the account cycle. A qualifying purchase is a purchase of $3.00 or more that is made with the debit card tied to your Start Checking account, including purchases made with your card through a Digital Wallet supported by Advantis and purchases made with your debit card online. For purposes of the Start Checking account, the account cycle runs from the first day of the month to the last day of the month. Your cashback will be posted to your Start Checking account on the first day of the month following the close of the account cycle. You will not receive any cashback for any purchases posted during the same month you close your account. You must be between the ages of 14 to 22 years old in order to qualify for the Start Checking account. On the first day of the month following your 23rd birthday, your Start Checking account will convert to a Cashback Checking account.

4 Minimum to open a Cash Back Checking is $25. Your cash back will be posted to your Cashback Checking account on the first day of the month following the close of the account cycle. The account cycle runs from the first day of the month to the last day of the month. If you close your Cashback Checking account, you will not receive any cash back for purchases posted during the month you close your account. Only applicable to purchases made with your debit card tied to your Cashback Checking account.

5Minimum to open an Access Checking account is $5. Courtesy Pay (Discretionary Overdraft) is not available on this account. Any items presented for payment on this account will be returned unpaid or declined if the available balance in the account is not sufficient to pay the item. 

6The APY may change after account opening. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.

Product Tier Annual Percentage Yield (APY)
New Member Savings* $0 - $499.99 4.25%

$500 - $2,499.99 4.25%

$2,500 - $9,999.99 4.25%

$10,000 or more 4.25%
Regular Savings $0 - $499.99 0.00%

$500 - $2,499.99 0.05%

$2,500 - $9,999.99 0.05%

$10,000 or more 0.05%
Holiday and Tax Account $0 - $499.99 0.00%

$500 - $2,499.99 0.05%

$2,500 - $9,999.99 0.05%

$10,000 or more 0.05%
Youth Account n/a 0.05%
Start Savings Account $0.01–$500 1.00%

$500.01 or more 0.05%

The APY may change after account opening. Minimum amount to open a New Member Savings, Regular Savings, Youth Savings, Start Savings or Holiday and Tax Account is $5.

New Member Savings available to new members only, existing members are not eligible for the New Member Savings. One account per member. “New Members” are individuals or businesses that have not had an account as primary owner within the previous 6 months. To qualify for the New Member Savings, you must be a new member, open and maintain, in good standing, a qualified Advantis checking account and maintain a monthly direct deposit (ACH) of at least $100 to your Advantis checking account. The direct deposit must post and settle within each calendar month. New Member Savings account requirements are waived for your first statement cycle. When New Member Savings requirements are met, balances will earn a higher interest rate than the regular savings account for 12 months from the date the membership is opened. The account will automatically convert to Regular Savings on the last day of the calendar month following the 12 months from opening your New Member Savings.  If you fail to meet the monthly requirements your account will be permanently converted to a Regular Saving account on the last day of the calendar month that qualifications were not met, and you will not qualify for the New Member Savings rate. Qualified checking accounts include any Advantis checking except HSA checking accounts.

You must be between the ages of 14 to 22 years old in order to qualify for the Start Savings account. Only one Start Savings account per member and member number (membership). No Primary member can have two Start Savings accounts (they can be joint on another account that has a different primary member.) For Start Savings accounts, on the first day of the month following your 23rd birthday, your account will convert to a Regular Savings account. Transaction restrictions apply.

Product Tier Annual Percentage Yield (APY)
High-Growth Money Market $0.01–$9,999.99 0.15%

$10,000–$24,999.99 0.15%

$25,000–$99,999 0.30%

$100,000–$249,999 0.70%

$250,000 or more
 0.70%
1The APY may change after account opening. Minimum amount to open a High-Growth Money Market account is $2,500. Transaction Limitations apply.
High Growth CDs IRA option available on all terms
Term $500-$49,999.99 $50,000 – $99,999.99 $100,000 or more
6 Months 1.70% APY 1.70 % APY 1.70% APY
12 Months 2.00% APY 2.00 % APY 2.00% APY
24 Months 2.10% APY 2.10% APY 2.10% APY
36 Months 2.20% APY 2.20% APY 2.20% APY
48 Months 2.30% APY 2.30% APY 2.30% APY
60 Months 2.35% APY 2.35% APY 2.35% APY
Bump Certificate Range Interest Rate Annual Percentage Yield (APY)
18 Month Bump Certificate*
*Only available for existing accounts
 $2,500 or more 2.96% 3.00%

Featured Offers

Product Amount Interest Rate Annual Percentage Yield (APY)
9 Month Promo Certificate $500–$49,999.99
$50,000–$99,999.99
$100,000 or more
3.93%
3.93%
3.93%
4.00%
4.00%
4.00%
1Minimum amount to open a Certificate account is $500. 1Minimum amount to open a 18-month Bump Certificate account is $2,500. Rates are subject to change without notice. For 18-month Bump Certificates, you may increase your rate twice during the certificate term to the rate currently in effect for the 18-month Bump Certificate.  Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.
Product Tier Annual Percentage Yield (APY)
High-Growth IRA $0.00-$24,999 0.05%

$25,000–$49,999 0.10%

$50,000–$99,999 0.10%

$100,000 or more 0.10  %
1The APY may change after account opening. Minimum amount to open a High-Growth IRA Savings Account is $5. Transaction restrictions apply. IRA Plan closure fee may reduce earnings.
Health Savings Account Certificates1
Term $500 – $49,999 $50,000 – $99,999 $100,000 or more
6 Months 1.70% APY 1.70% APY 1.70% APY
12 Months 2.50% APY 2.50% APY 2.00% APY
24 Months 2.10% APY 2.10% APY 2.10% APY
36 Months 2.20% APY 2.20% APY 2.20% APY
1Minimum amount to open an HSA Certificate account is $500. There is a service fee if a minimum balance is not maintained in the plan. Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information. There may be a penalty for early withdrawal. Rates are subject to change without notice. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings.








Loan Rates

 (Download PDF)   |   Rates Effective 11/11/1111

Mortgages1


Loan Type Rate APR Points 1-month payment*
15 Year Fixed Rate 6.500% 6.642% 0.000% $3832.87
20 Year Fixed Rate 7.125% 7.245% 0.000% $3444.41
30 Year Fixed Rate 6.875% 7.044% 0.796% $2890.49
5/6 ARM 100% 6.875%  7.697% n/a n/a
5/6 ARM 30 Year 6.250% 7.441% n/a n/a

Jumbo Mortgages2

 Rates Effective December 16- December 21, 2024
Term Rate APR
30-year fixed

7.25 - 8.25%

7.336 – 8.346%


1The annual percentage rates (APRs) for the 30 Year Fixed (360 Monthly Payments), 15 Year Fixed (180 Monthly Payments), and 5 Year adjustable rate loans (30-year term) are calculated based on a purchase of single family, owner occupied residence with a down payment of 20%, a loan amount of $440,000.00, and a property located in Multnomah County, Oregon. The annual percentage rates (APRs) for the 5 Year adjustable rate 100% Loan to Value (LTV) loans (30-year term) are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $440,000.00 and located in Multnomah County, Oregon.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $1650 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. ARM interest rates and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 ARM and 5/5 ARM, 7 years for a 7/6 ARM and 10 years for a 10/6 ARM).

5/6 ARM loan payment example:
The initial 60 monthly payments with a rate of 6.0% is $2638.02. Followed by 300 monthly payments based on a 6-month rate adjustment frequency.  The maximum first adjusted rate for this loan will never be more than 8.0%, with a maximum first payment of $3433. The maximum lifetime rate will never be more than 11.0% with an estimated maximum monthly payment of $3993.

100% LTV 5/6 ARM loan payment example:
The initial 60 monthly payments with a rate of 6.625% is $2817.37. Followed by 300 monthly payments based on a 6-month rate adjustment frequency.  The maximum first adjusted rate for this loan will never be more than 8.625%, with a maximum first payment of $3636. The maximum lifetime rate will never be more than 11.625% with an estimated maximum monthly payment of $4211.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums. Additional rates and programs are available.

2The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $767,000 and a 80% Loan to Value. The property is located in Multnomah county, OR . The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740. The rate lock period is 60 days. Payment for a 30-year fixed rate Jumbo Mortgage Loan at 7.25% interest rate, 7.336% APR would be $5232 for 360 months. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Please contact one of our Mortgage Loan Officers for all other scenarios and get a customized rate quote.

LOAN TYPE TERM INTEREST RATE ANNUAL PERCENTAGE RATE (APR)
Home Equity Line of Credit n/a 7.90% to 11.40% 7.90% to 11.40% Variable
1All home equity rates are based on your credit history, current credit report and loan to value ratio. The HELOC is a variable rate loan. All loans are subject to underwriting approval. For all real estate loans property insurance is required and flood insurance may be required. APR is based on Wall Street Journal Prime Rate plus or minus a margin. As of 12/01/2024 the Prime rate is 7.75%. Maximum APR is 12.00%.Floor APR is 3.99%. First loan conversion is free; the fee for a second conversion is $50.00. The fee to reconvert back to an adjustable rate credit line is $100.00. The rate for the fixed rate conversion will be set at the time of conversion and will be based on Prime Rate plus a margin. Closing costs range from $603.00 to $3376.00, depending on loan amount, loan position, and appraisal costs.

Auto


 TERMS ANNUAL PERCENTAGE RATE TYPE
2020 & newer up to 6 Yrs As low as 6.49% Fixed

up to 7 Yrs As low as 6.99% Fixed

up to 8 Yrs As low as 8.24% Fixed
2019 -2015 up to 6 Yrs As low as 6.99% Fixed

up to 7 Yrs As low as 7.49% Fixed
2014 & older up to 5 Yrs As low as 7.99% Fixed
Start Auto Loan up to 6 Yrs See rates above Fixed
1APRs on auto loans range from 6.74% to 20.09% for purchase transactions or refinance of non-Advantis loans. APR for refinance of existing Advantis debt may be higher. Finance up to 120% of MSRP or Kelley Blue Book plus title, license and registration fees. For all auto loans the APR, maximum repayment period and maximum loan-to-value will be based on credit qualifications, loan amount and collateral. Payments on a 72-month fixed rate loan at 6.74% APR would be $16.92/month per $1000 borrowed. Payments on a 72-month fixed rate loan at 19.09%APR would be $23.43/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 7.24% would be $15.21/month per $1000 borrowed; Payments on an 84-month fixed rate loan at 14.09% would be $18.79/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 8.49% would be $14.39/month per $1000 borrowed; Payments on a 96-month fixed rate loan at 10.49% would be $15.43/month per $1000 borrowed; Payments on a 60-month fixed rate loan at 8.24% APR would be $20.39/month per $1000 borrowed; Payments on 60-month fixed rate loan at 20.09% APR would be $26.54/month per $1000 borrowed. Underwriting approval is required. Annual Percentage Rate (APR), loan term, and LTV will be based on credit qualifications, loan amount and collateral. The Start Auto Loan Program is subject to credit approval, terms are limited up to 72 months with financing of up to 100% of MSRP/Kelley Blue Book; collateral mileage must be less than 125k. Applies to autos less than 10 years old.



Motorcycles


 TERMS ANNUAL PERCENTAGE RATE TYPE
2015 & newer up to 5 Yrs 8.56% to 10.56% Fixed

up to 6 Yrs 9.06% to 11.06% Fixed

up to 7 Yrs 9.56% to 11.56% Fixed
1For all Motorcycle loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 8.56% would be $20.55/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 10.56% would be $21.52/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 9.56% would be $16.37/month for 84 months per $1000 borrowed; payments on a 7- year loan at 11.56% would be $17.42/month for 84 months per $1000 borrowed. All loans are subject to underwriting approval. Maximum LTV for Motorcycles is up to 125% MSRP or NADA Retail but may be lower depending upon qualifications.

Boat


 TERMS ANNUAL PERCENTAGE RATE TYPE
New (2019 & newer) 10 Yrs 9.39% to 12.39% Fixed

15 Yrs 9.89% to 12.89% Fixed
Used (2018 & older) 10 Yrs 11.19% to 14.19% Fixed

15 Yrs 11.69% to 14.69% Fixed
1For all Boat loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new & used Boats is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Payment examples: Payments on a 10-year loan at 9.39% APR would be $12.88/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 14.19% APR would be $15.64/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 9.89% APR would be $10.68/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 14.69% APR would be $13.78/month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.

RV


 TERMS ANNUAL PERCENTAGE RATE TYPE
New & Used (2019 & newer) 10 Yrs 10.06% to 13.06% Fixed

15 Yrs 10.56% to 13.56% Fixed
Used (2018 & older) 10 Yrs 11.36% to 14.36% Fixed

15 Yrs 11.86% to 15.86% Fixed
1For all RV loans actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Maximum LTV for new RV is up to 90% of MSRP or average NADA Retail plus title, license and warranty. Maximum LTV for used RVs is up to 85% of average NADA retail, plus title, license and warranty. Payment examples: Payments on a 10-year loan at 10.06% APR would be $13.25/month for 120 months per $1000 borrowed. Payments on a 10 year loan at 14.36% APR would be $15.74/month for 120 months per $1000 borrowed. Payments on a 15 year loan at 10.56% APR would be $11.09/month for 180 months per $1000 borrowed. Payments on a 15 year loan at 15.86% APR would be $14.59 /month for 180 months per $1000 borrowed. All loans are subject to underwriting approval.

Personal RV


 TERMS ANNUAL PERCENTAGE RATE TYPE
New units only up to 5 Yrs 9.89% to 11.89% Fixed

up to 6 Yrs 10.39% to 12.39% Fixed

up to 7 Yrs 10.89% to 12.89% Fixed
1For all Personal RV loans the actual APR, LTV and loan term will be based on credit qualifications, loan amount and collateral. Payment example: Payments on a 5-year loan at 9.89% APR would be $21.19/month for 60 months per $1000 borrowed; Payments on a 5-year loan at 11.89% APR would be $22.19/month for 60 months per $1000 borrowed. Payments on a 7-year loan at 10.89% APR would be $17.06/month for 84 months per $1000 borrowed; Payments on a 7-year loan at 12.89% APR would be $18.13/month for 84 months per $1000 borrowed. This loan type is intended for financing of UTVs, ATVs, personal watercraft, snowmobiles, scooters, dirt bikes, cargo trailers, utility trailers, and drift boats. All loans are subject to underwriting approval. Maximum LTV for personal RV is up to 90% MSRP, plus tax, title, license, and warranty.


CARD TYPE ANNUAL PERCENTAGE RATE1 TYPE
Signature Cashback Rewards 14.74% to 23.74% Variable
Platinum 12.74% to 21.74% Variable
Start Credit Card Program 12.74% to 21.74% Variable
Secured 19.74% Variable
Business Cashback Rewards 15.74% to 23.99% Variable
1APR=Annual Percentage Rate. APR is a variable rate equal to “The Wall Street Journal” Prime Rate (currently 7.75%) plus a margin. APR is accurate as of 09/18/2024. The APR is based on your credit qualifications. Foreign currency conversion fee up to 1% may apply. Credit limits between $250-$30,000. Underwriting approval is required. Cashback Rewards program restrictions, limitations and exclusions apply. Refer to Cashback Rewards Program Rules, Terms, and Conditions for further details.
LOAN TYPE TERMS ANNUAL PERCENTAGE RATE TYPE
Start Personal Loan1 Up to 3 yrs 16.40% to 24.40% Fixed


 1APR=Annual Percentage Rate. APRs range from 16.40% to 24.40% and will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 3-year personal loan at 16.40% would be $35.35per $1000 borrowed for 36 months. The Start Personal Loan Requires a Parent or other co-signer if under 18 years old.
LOAN TYPE TERMS ANNUAL PERCENTAGE RATE TYPE
Personal Loan1
Special Offer Rates		 Up to 5 yrs 11.99% to 19.99 % Fixed

1APR=Annual Percentage Rate. APRs range from 11.99% to 19.99%. APRs will be based on your credit qualifications. All loans subject to underwriting approval. Payment example on a fixed-rate 5-year personal loan at 11.99% would be $22.24 per $1000 borrowed.

LOAN TYPE TERMS ANNUAL PERCENTAGE RATE TYPE
Personal Flex Line of Credit1 N/A 14.74% to 23.74% Variable
1Variable rate line of credit from $250 to $30,000. The APR is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal.






Business Rates

 (Download PDF)   |   Rates Effective 11/11/1111
TIER ANNUAL PERCENTAGE YIELD (APY*)
under $2,500 0.05%
$2,500 - $24,999 0.05%
$25,000 - $49,999 0.05%
$50,000 or more 0.05%
1APY may change after account opening. Minimum deposit to open a Business Solutions Checking account is $100. Fees may reduce earnings.
TIER ANNUAL PERCENTAGE YIELD (APY*)
under $500 0.00%
$500 - $2,499 0.05%
$2,500 - $9,999 0.05%
$10,000 or more 0.05%
1The APY may change after account opening. Minimum amount to open a Business Savings Account is $5. Transaction restrictions apply.

TIER ANNUAL PERCENTAGE YIELD (APY*)
under $2,500 0.00%
$2,500 - $9,999.99 0.15%
$10,000 - $24,999.99 0.15%
$25,000 - $99,999.99 0.30%
$100,000 - $249,999.99 0.70%
$250,000 or more 0.70%
1The APY may change after account opening. Minimum amount to open a Money Market account is $2,500. Transaction Limitations apply.
Business Certificates
Term $500-$49,999.99 $50,000 – $99,999.99 $100,000 or more
6 Months 1.70% APY 1.70% APY 1.70% APY
12 Months 2.00% APY 2.00% APY 2.00% APY
24 Months 2.10% APY 2.10% APY 2.10% APY
36 Months 2.20% APY 2.20% APY 2.20% APY
48 Months 2.30% APY 2.30% APY 2.30% APY
60 Months 2.35% APY 2.35% APY 2.35% APY
Bump Certificate* Range Interest Rate Annual Percentage Yield (APY)
18 Month Bump Certificate*
*Only available for existing accounts
 $2,500 or more 2.96% 3.00%

Featured Offers

Product Amount Interest Rate Annual Percentage Yield (APY)
9 Month Promo Certificate $500–$49,999.99
$50,000–$99,999.99
$100,000 or more
3.93%
3.93%
3.93%
4.00%
4.00%
4.00%
1Minimum amount to open a Certificate account is $500.  Credit Union reserves the right to stop offering this product at any time in its discretion. There may be a penalty for early withdrawal. APY assumes that all interest will remain on deposit until maturity, a withdrawal will reduce earnings. For IRA accounts: Fees may reduce earnings. Contribution limits apply. Consult your tax advisor for specific tax information.


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