Contact Us | Membership | Locations & ATMs | Rates | Security | About OnPoint | Online Banking Login 
OnPoint Community Credit Union
  • Personal
  • Business
  • About Us
Search
Checking & Savings       Credit Cards & Loans       Merchant Services       Group Banking       Convenience Services

-
Not Yet a Member?
Join today and learn what 209,000 people already know.


Personal Loan Rates

Home Equity | Auto | Boat & RV | Other | Credit Card
Fixed-Rate Portion EquityFlex Promotion1Rates Effective: August 1, 2010
Maximum Repayment Period Annual Percentage Rate with Automatic Payment2 Annual Percentage Rate without Automatic Payment Maximum Amount Financed
80% Fixed-Rate Portion 60 Months 2.99% n/a $25,000
80% Fixed-Rate Portion 120 Months 3.99% n/a $25,000
1Promotional rate valid 8/1/10 through 9/30/10 and subject to change. One fixed-rate loan portion per membership at promotional rate. Promotional rate excludes existing fixed-rate portions and is not available for Non-Owner Occupied products. Promotional pricing cannot be applied to existing OnPoint debt.
2Automatic payments are deducted from your OnPoint checking or savings account.
80% Home Equity Loan Promotional Rates1Rates Effective: June 1, 2010
Maximum Repayment Period Annual Percentage Rate with Automatic Payment2
Promo - 80% Home Equity Loan fixed rate 60 months 4.79%
Promo - 80% Home Equity Loan fixed rate 120 months 4.79%
Promo - 80% Home Equity Loan fixed rate 180 months 5.49%
Promo - 80% Home Equity Loan fixed rate 240 months 5.99%
1 Promotional 80% Home Equity Loan rates are effective 6/1/10 through 10/31/10 and subject to change. With an APR of 4.79% over 5 years, the payment would be $18.78 per month for each $1,000 borrowed. Minimum loan amount or increase to an existing loan of at least $25,000 is required to qualify for promotional rate. Promotional rates may not be applied toward conversion of a portion of an EquityFlex Line of Credit to a fixed rate loan. Upon payoff/closure, a Deed of Trust reconveyance fee will be collected. Refer to the personal fee schedule at the time of payoff/closure for current amount due.
2Rate assumes home equity loan with automatic payment from an OnPoint checking or savings account. For rate without automatic payment add 0.50%. Certain restrictions and third party costs may apply. Members must pay closing costs, which generally range between $125 - $2,500. Ask us for details. Property insurance is required. Flood insurance and appraisal may be required. You must meet OnPoint's credit and underwriting requirements.
Home Equity Loan Rates1Rates Effective: August 11, 2009
Maximum Repayment Period Annual Percentage Rate with Automatic Payment Annual Percentage Rate
80% EquityFlex TM Line of Credit variable rate - 3.25%2 3.75%2
80% EquityFlexTM Interest Only Line of Credit variable rate - 3.25%2 3.75%2
100% EquityFlexTM Line of Credit variable rate - 4.25%3 4.75%3
80% Home Equity Loan fixed rate 60 months 4.99%4 5.49%4
80% Home Equity Loan fixed rate 120 months 6.49%4 6.99%4
80% Home Equity Loan fixed rate 180 months 6.64%4 7.14%4
80% Home Equity Loan fixed rate 240 months 6.84%4 7.34%4
100% Home Equity Loan fixed rate 120 months 9.24%4 9.74%4
100% Home Equity Loan fixed rate 180 months 9.74%4 10.24%4
65% Non-Owner Occupied Home Equity Loan fixed rate 120 months 7.74%4 8.24%4
65% Non-Owner Occupied Home Equity Loan fixed rate 180 months 7.99%4 8.49%4
65% Non-Owner Occupied Home Equity Loan fixed rate 240 months 7.99%4 8.49%4
65% Non-Owner Occupied EquityFlex Line of Credit variable rate - 4.25%3 4.75%3
65% Non-Owner Occupied EquityFlex Interest Only Line of Credit variable rate - 4.25%3 4.75%3
1Maximum amount financed is determined by equity value. Upon payoff/closure, a Deed of Trust reconveyance fee will be collected. Refer to the personal fee schedule at the time of payoff/closure for current amount due.
2Automatic Payment rate is Prime. Rate without automatic payment is Prime + 0.50%. Subject to adjustment on the 21st day of each month based on Prime Rate published in the Wall Street Journal on the 10th day of the month (or on the next business day if the 10th falls on a weekend). Prime rate has been 3.25% APR since 1/12/09. The maximum rate that may apply during the line of credit is 18% APR. $25 annual fee.
3Automatic Payment rate is Prime + 1.00%. Rate without automatic payment is Prime + 1.50%. Subject to adjustment on the 21st day of each month based on Prime Rate published in the Wall Street Journal on the 10th day of the month (or on the next business day if the 10th falls on a weekend). Prime rate has been 3.25% APR since 1/12/09. The maximum rate that may apply during the line of credit is 18% APR. $25 annual fee.
4Rate assumes home equity loan with automatic payment from an OnPoint checking or savings account. For rate without automatic payment add 0.50%. Certain restrictions and third party costs may apply. Members must pay closing costs, which generally range between $125 - $2,500. Ask us for details. Property insurance is required. Flood insurance and appraisal may be required. You must meet OnPoint's credit and underwriting requirements. Rates subject to change.

Auto Loan Rates5Rates Effective: July 1, 2010
Maximum Repayment Period Annual Percentage Rate (fixed) with Automatic Payment1 Annual Percentage Rate (fixed) with Regular Payment Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010)2 36 months 2.99% 3.49% 100%
  48 months 2.99% 3.49% 100%
  60 months 3.24% 3.74% 100%
  72 months 3.74% 4.24% 100%
  84 months3 4.24% N/A 100%
Cars, Trucks, Vans - Used (2001 - 2008)2 36 months 3.74% 4.24% 100%
  48 months 3.74% 4.24% 100%
  60 months 3.99% 4.49% 100%
  72 months4 4.49% 4.99% 100%
1Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used.
2Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans or promotional pricing.
3Minimum loan amount is $15,000.00 on 84-month auto loan term.
472-month term is available only for 2007 and 2008 vehicle model years.
5A 48-month new auto loan with an APR of 2.99% would have a monthly payment of $22.13 per $1,000 borrowed. A 48-month used auto loan with an APR of 3.74% would have a monthly payment of $22.46 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Drivers SeatSM Auto Loan Rates4Rates Effective: January 1, 2010
Maximum Repayment Period Annual Percentage Rate (fixed) with Automatic Payment2 Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010) 36 months 9.49%3 100%
  48 months 9.49%3 100%
  60 months 9.49%3 100%
  72 months 9.49%3 100%
  84 months1 9.74% 100%
Cars, Trucks, Vans - Used (2001 - 2008) 36 months 9.74%3 100%
  48 months 9.74%3 100%
  60 months 9.74%3 100%
1Minimum loan amount is $15,000.00 and maximum loan amount is $20,000 on 84-month auto loan term. Automatic payment required.
2Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans.
3Automatic payment required. Maximum loan amount is $20,000.
4A 60-month new Driver's Seat auto loan with an APR of 9.49% would have a monthly payment of $21.00 per $1,000 borrowed. A 60-month used Driver's Seat auto loan with an APR of 9.74% would have a monthly payment of $21.12 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Boat & RV Loans Rates3Rates Effective: January 1, 2010
Maximum Repayment Period Automatic Payment APR (fixed)1 Annual Percentage Rate (fixed) Loan Amount 2
RVs, Boats - New (2009 & 2010) 60 Months 7.49% 7.99% Under $10,000
  120 Months 7.49% 7.99% $10,000 - $50,000
  180 Months 7.49% 7.99% Over $50,000
RVs, Boats - Used (2001 - 2008) 60 Months 7.99% 8.49% Under $10,000
  120 Months 7.99% 8.49% $10,000 - $50,000
  180 Months 7.99% 8.49% Over $50,000
1Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used.
2Maximum amount financed: 80% Loan to Value.
3A 60-month new boat & RV loan with an APR of 7.49% would have a monthly payment of $20.03 per $1,000 borrowed. A 60-month used boat & RV loan with an APR of 7.99% would have a monthly payment of $20.27 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Other Loan Rates4Rates Effective: January 21, 2009
Annual Percentage Rate with Automatic Payment Annual Percentage Rate without Automatic Payment Limit
Personal Loan (36 Month Repayment) fixed rate 16.00% 16.50% $5,000
Personal Line of Credit (PLOC) variable rate 13.25%1 13.75%1 $100 - $25,000
Savings or TDF Secured Loan variable rate 3.10%2 3.60%2 Savings Balance
Savings or TDF Secured Line of Credit variable rate 3.10%2 3.60%2 Savings Balance
CD Secured Loan fixed rate declared rate on underlying CD + 3% declared rate on underlying CD + 3% CD Balance
Other Loans, older/other vehicles, other collateral (48 months) fixed rate 12.50% 13.00% 80% LTV
Payday Advantage Loan fixed rate 12.00%3 14.00%3 $50 - $6003
1Rate is variable at Prime + 10.00% with automatic payment. Regular rate without automatic payment is Prime +10.50%. Subject to adjustment the 21st day of each month based on Prime Rate published in the Wall Street Journal the 10th day of the month (or on the next business day if the 10th falls on a weekend). Prime rate has been 3.25% APR since 1/12/09. Annual fee of $24.00.
2Rate with automatic payment is variable at declared rate on underlying savings plus 3.00%. Regular rate without automatic payment is variable at declared rate on underlying savings plus 3.50%. Subject to adjustment.
3Rate with automatic payment is 12.00%. Regular rate without automatic payment is 14.00%. Maximum loan amount is 20% of member's next paycheck or $600, whichever is less.
4A 36-month personal loan with an APR of 16.00% would have a monthly payment of $35.16 per $1,000 borrowed. A 48-month "other loan" (older/other vehicles, other collateral) with an APR of 12.5% would have a monthly payment of $26.58 per $1,000 borrowed. Must meet OnPoint's membership and credit requirements.

Platinum Visa® with Rewards1Effective: August 20, 2010
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for purchases 3.99% Introductory period for 6 months
After that, your APR will be 8.9%-17.9% based on your credit worthiness
APR for balance transfers 6.99% Introductory period for 12 months
After that, your APR will be 10.9%-17.9% based on your credit worthiness
APR for cash advances 10.9%-17.9% based on your credit worthiness
Penalty APR, when it applies 17.9% - This APR may be applied to your account if:
 
  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Visa Credit Card Agreement.
How to avoid paying interest on purchases Your due date is at least 25 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.
For credit card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees  
Annual Fees None
Transaction Fees None
Penalty Fees  
  • Late Payment Fee
 $25 for balances >$1000
$20 for balances $100-$1000
$10 for balances <$100
  • Returned Item Fee
 $25
Other Fees  
  • Foreign Transaction Fee
 Up to 2% of the US dollar amount of the foreign transaction
1How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases)

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.

Platinum Visa®1Effective: August 20, 2010
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for purchases 3.99% Introductory period for 6 months
After that, your APR will be 7.9%-16.9% based on your credit worthiness
APR for balance transfers 6.99% Introductory period for 12 months
After that, your APR will be 9.9%-17.9% based on your credit worthiness
APR for cash advances 9.9%-17.9% based on your credit worthiness
Penalty APR, when it applies 17.9% - This APR may be applied to your account if:
 
  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Visa Credit Card Agreement
How to avoid paying interest on purchases Your due date is at least 25 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.
For credit card tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees  
Annual Fees None
Transaction Fees None
Penalty Fees  
  • Late Payment Fee
 $25 for balances >$1000
$20 for balances $100-$1000
$10 for balances <$100
  • Returned Item Fee
 $25
Other Fees  
  • Foreign Transaction Fee
 Up to 2% of the US dollar amount of the foreign transaction
1How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases)

We reserve the right to amend the VISA Credit Card Agreement as permitted by law.


All loan rates are determined by credit union management and subject to change at any time. The Credit Union may offer other rates in the future. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans subject to credit approval.

 
 
Sitemap  |  Privacy Policy  |  Careers  |  Contact Us
 
  copyright OnPoint Community Credit Union © 2010 All Rights Reserved
 
National Credit Union Association
Equal Housing Lender