Personal Deposit Rates

Community Checking

N/A

$25 minimum opening balance

President's Club Checking

Balance APY*
$750-$9,999.99 0.15%
$10,000 and above 0.20%

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

$30,000 minimum in combined loans or deposits to avoid $7.50 service fee

*APY: Annual Percentage Yield.

Passport Checking

0.01%APY

$25 minimum opening balance

$750 minimum average daily balance to earn dividends

*APY: Annual Percentage Yield.

Share Savings

0.02%APY

$100 minimum balance

Youth Savings

0.02%APY

$5 minimum opening balance.

Christmas Club

0.02%APY

$0 minimum balance

Certificates of Deposit

Product APY Min Bal.
60 Month Certificate 1.00% $1,000
48 Month Certificate 1.00% $1,000
36 Month Certificate 1.00% $1,000
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12 Months
First Step
0.65% $100
3 Month Certificate 0.25% $1,000
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IRAs and ESAs

Product APY Min Bal.
Premier IRA
$10 Annual Fee
2.50% $0
Monthly IRA Share Account 0.20% $0
IRA Savings 0.15% $0
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12-Months First Step
Coverdell ESA
0.65% $100
     
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Personal Loan Rates

Auto Rates

Product APR*
New and Used Autos
up to 72 months
7.24% - 20.74%
New and Used Autos
73 - 84 months
7.74% - 20.74%
For a $20,000 new car loan for a term of 84 months with a 7.74% APR, the monthly payment will be $309.24

RVs

Product APR
2023-2024 Fixed Rate* 8.99% - 21.74%
2023-2024 Variable Rate 9.24% - 21.24%
2022 and older Fixed Rate* 9.99% - 22.74%
2022 and older Variable Rate 11.24% - 23.24%

*Includes .50% reduction for autopay and e-statements for fixed rates.

Marine

Product APR
Models 2022-2023 8.99% - 21.74%
2021 and older 9.99% - 22.74%

Includes .50% reduction for autopay and e-statements.

Goldline Plus

15.40%-26.65%APR

Line of Credit

Loan is subject to a $25 annual fee, and a $10 membership fee if borrower is not already a member. The APR will vary and changes quarterly based on the 26-week US Treasury Bill Rate. Current margin ranges between 9.90%-21.15%. The monthly minimum payment requirement is 2.5% of the outstanding balance, subject to a minimum of $15.00. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.

Personal Loan

Product APR
Fixed Rate 13.25% - 26.00%*
Variable Rate 16.00% - 22.50%

*Includes .50% reduction for autopay and e-statements. $60 loan fee applies.

Share Secured

8.50%APR

Secured by your Maps Share Account

Certificate Secured

+2.00%*APR

*Certificate Rate + 2.00% APR. Secured by your Maps Certificate Account.

For example, if the 60-month certificate is .45% + 2% = 2.45% APR

Home Equity Master Line

Repayment Terms APR Loan to Value
10 year draw & up to 15 years to repay 8.50% - 10.50% up to 85% LTV for select credit tiers

Minimum monthly payments during the draw period will be determined on the balance.

Lock-In Option - Variable

Repayment Terms APR
Terms 5, 10, 15, or 20 years 8.50%-10.50%

Lock-in a portion of your Home Equity Master Line to an interest rate that is fixed for 5, 10, 15, or 20 years based on Wall Street Journal plus a margin. As you repay the principal, your availability to borrow from your Home Equity Master Line will increase.  OR as you repay the principal portion that is locked in, these funds will be available to borrow through your Home Equity Master Line. Lock fee of $25 may apply.

Lock-in Option - Fixed

7.75%APR

Repayment Terms APR
Terms 5, 10, 15, or 20 years 7.75%-10.50%

Lock-in a portion of your Home Equity Master Line to a fixed interest rate for 5, 10, 15, or 20 years. As you repay the principal, your availability to borrow from your Home Equity Master Line will increase. Lock fee of $25 may apply.

Mastercard

Product APR
Platinum Mastercard Rewards %
World Mastercard Rewards %
Business Mastercard %
Youth Mastercard %

Mortgages

Swipe left to scroll table.
Program Name Rate APR Points Payment  
15 Year Fixed (Conforming) 6.500% 6.722% 0.375% $3,048.88  
30 Year Fixed (Conforming) 6.875% 6.977% 0.000% $2,299.25  
30 Year FHA 6.625% 7.243% 0.000% $2,241.09  
30 Year VA 6.750% 7.016% 0.000% $2,270.09  
30 Year USDA Rural Home Purchase 6.750% 7.170% 0.000% $2,270.09  
Zero Down 20 Year Fixed 7.250% 7.356% 0.125% $2,766.32  
Educator 100% 30 Year Fixed 8.750% 8.854% 0.250% $2,753.45  

The rates listed above are for a purchase loan amount of $350,000 and assume a 740+ credit score. Please reach out to a Mortgage Loan Officer for a specific rate quote.  Refinance Rates can be higher than what is listed here.


Rates good as of 2/22/2024 and are subject to change without notice. Rates may vary depending on each individual’s credit history and underwriting factors. All loan applications are subject to credit and property approval.

Payments shown are Principle and Interest Only and do not include any required mortgage insurance or any financed fees for government loans which may increase the mortgage balance and payments. 

The APR for 30-Year FHA includes the Upfront Mortgage Insurance Premium of 1.75% of the balance. The APR for the 30-Year VA includes an estimated funding fee of 2.15%. The APR for the 30-Year USDA includes the guaranteed fee of 1%. 

Zero Down
New purchase only. Maximum loan amount is based on FHA loan limits (ex. Maximum in Marion County is $498,257) . Property must be a single-family residence and located in Oregon. Mortgage Insurance and Escrow are required. Minimum contribution to cover fees and the appraisal must be the greater of $1000 or 1% of the purchase price.
 
Educator 100%
New purchase only. Maximum loan amount is based on FHA loan limits  (ex. Maximum in Marion County is $498,257). Property must be a single-family residence and located in Oregon. Escrow is required. Loan-to-Value may not exceed 100 percent. Borrower responsible for appraisal and closing costs. 15-year and 30-year term available.
 

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Business Rates

Basic Business Checking

0.00APY

$100 minimum opening balance

Monthly Service Fee $5.
To Avoid Service Fee: Maintain a Daily Balance of $500; or $2,500 Combined Balance; or 10 Debit Card Purchases

Growth Business Checking

Product APY*
Below $1,500 0.00%
$1,500 and above 0.05%

$100 minimum opening balance

Monthly Service Fee: $10
To Avoid Service Fee: Maintain a Daily Balance of $2,500; or $4,000 Combined Balance; or Active Business Loan/Line

Advanced Business Checking

APY

Product APY*
Below $1,500 0.00%
$1,500 and above 0.10%

$100 minimum opening balance

Monthly service fee $20

To Avoid Service Fee: Daily Balance of $7,500; or $15,000 Combined Balance; or Active Business Loan/Line

Business Share Savings

0.02%APY

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