Today’s loan rates — call 800-732-0173 to apply.

All-purpose loan rates

Rates as of date

Description APR Repayment terms
All-purpose (Signature) 6.74% – 17.25% Up to 36 months
All-purpose (Signature) 13.00% – 17.25% 37 to 60 months
Payday Advance 18% Up to 30 days
Certificate secured** 3% above secured certificate
Description Variable APR Repayment terms
Personal line of credit 8.00%**** – 16.75%**** Payments: the greater of 2.5% of the total new balance, or $25
Savings secured 3% above secured savings account*****

† Standard rates: The above rates are reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payment, and .25% reduction for members in the Premier Member Merits category. Using this example, a $5,000 All-purpose (Signature) loan with 6.74% APR for 36 months has a monthly payment of $153.79. A $5,000 All-purpose (Signature) loan with 13.00% APR for 60 months has a monthly payment of $113.78. If you delete your automatic payment request or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.

** Advances secured by credit union certificates are made at a rate based upon the earning rate of the certificate. The Periodic Rate and the Annual Percentage Rate are set at the time of the advance that is the earning rate on the pledged certificate, plus 3%. For example, if you pledge an account earning 5.00% your Periodic Rate would be .021918% and your Annual Percentage Rate would be 8.00%. The actual rate will be disclosed on the Disbursement Receipt at the time of the advance.

**** The Periodic Rate and corresponding Annual Percentage Rate for the Personal Line of Credit loan is calculated by adding a graduated margin (the margin is based on a risk based pricing tier) to the month end Prime Rate for the previous calendar month as published by the Federal Reserve. The Annual Percentage Rate will never be more than 18% or the maximum rate allowed by applicable law.

***** There is a minimum periodic rate of .013699% which equals an Annual Percentage Rate of 5.0%

  • The credit union may offer other rates in the future.
  • Give us a chance to match competitive rates.

Auto loan rates

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Rates as of date

Description APR † Repayment terms
New auto 2016 – 2017 2.99% – 15.49% Up to 72 months
New auto 2016 – 2017 3.49% – 15.74% 73 to 84 months
Used auto 2002 – 2015 2.99% – 15.85% Up to 72 months
Used auto 2002 – 2015 3.49% – 16.10% 73 to 84 months
Classic used auto 2.99% – 15.85% Up to 60 months


  • † Standard rates: The above rates are reflective of a range of rates available, depending upon your credit qualification, the amount financed, a .50% reduction by maintaining automatic payment, and .25% reduction for members in the Premier Member Merits category. Using this example, a $10,000 new auto loan of 60 months will have a 2.99% APR and a monthly payment of $179.66. A $20,000.00 used auto loan of 84 months at 3.49% APR would have a monthly payment of $268.73. If you delete your automatic payment request or the credit union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.
  • The credit union may offer other rates in the future.
  • Give us a chance to match competitive rates.

Boat, RV and sport vehicle loan rates

Rates as of date

Description APR† Repayment
New boats, RVs 2016 – 2017 4.00%; – 15.20% Up to 72 months
New boats, RVs 2016 – 2017 4.25%; – 15.45% 73 – 180 months
Used boats, RVs 2007 – 2015* 4.50%; – 15.85% Up to 72 months
Used boats, RVs 2007 – 2015* 4.75%; – 16.10% 73 – 180 months
New other secured 2016 – 2017* 4.24% – 16.24% Up to 72 months
New other secured 2016 – 2017* 4.49% – 16.49% 73 – 84 months
Used other secured 2011 – 2015* 5.24% – 17.24% Up to 72 months
Used other secured 2011 – 2015* 5.49% – 17.24% 73 – 84 months

* Includes: ATVs, horse trailers, motorcycles, snowmobiles, watercraft.

Additional provisions:

  • Rates and terms are based on your credit qualifications and the amount financed.
  • † Standard rates: The above rates are reflective of a range of rates available, depending upon your credit qualification, a .50% reduction by maintaining automatic payment, and .25% reduction for members in the Premier Merits category. Using this example, a $10,000 new RV/Boat loan of 72 months at 4.00% APR will have a monthly payment of $156.46. A $20,000 new RV/Boat loan of 120 months at 4.25% APR will have a monthly payment of $204.89. If you delete your automatic payment request or the Credit Union terminates your automatic payment request due to insufficient available funds, this interest rate may be increased by one-half of one percent (.50%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.
  • Give us a chance to match competitive rates.

Credit card rates

Rates as of date

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 10.25% – 15.25%
Visa Rewards
7.75% – 17.75%
Visa Value
When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Cash Advances 10.25% – 15.25% Visa Rewards
7.75% – 17.75% Visa Value
When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 10.25% – 15.25% Visa Rewards
7.75% – 17.75% Visa Value
When you open your account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases Your due date is approximately 30 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee $25** Visa Rewards only
Card Replacement Fee $5
Transaction Fees
Foreign Transaction Fee
Up to 1% of the US dollar amount of the foreign transaction
Penalty Fees Late Payment Fee $25
Transfer Fee. $4

How we will calculate your balance: We use a method called “average daily balance” (including new purchases).

The above rates and fees are current as of date.

* Please contact Oregon State Credit Union for any changes in card terms disclosed.

** The annual fee may be reduced or waived depending on your Member Merits category. The annual fee will be due on the account anniversary date.

Home loan mortgage rates

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