Attention: Changes have been made to the MoneyPass ATM network affecting surcharge-free ATMs. Please visit the MoneyPass ATM Locator at https://www.moneypass.com/atm-locator.html to see surcharge-free ATMs in your area. PDX8FCU will be adding the CO-OP network, which will add 30,000+ surcharge-free ATMs as well as shared branching access in the future. 
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Loans

Consumer Lending Rates

EFFECTIVE 02/01/2019

Credit Tier according to Credit Score

Loan Grade A B C D E
Credit Score 680+ 640-679 580-639 540-579 539 & below

Auto Loans

New Auto Loans 2018 & Newer**
(Vehicle with more than 15k miles will be assessed at used vehicle rates)

Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months
A 1.99% 2.49% 2.99% 3.49% 4.49%
B 2.99% 3.49% 3.99% 4.49% 5.49%
C 8.99% 9.49% 9.99% 10.49% 10.99%
D 15.99% 16.49% 16.99% 17.49% N/A
E 16.49% 16.99% 17.49% 17.99% N/A

** For Motorcycles add 0.50% to all auto loan rates**

Used Auto Loans 2008-2017, and Classic Vehicles at least 30 years old in Good condition**

Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months
A 2.99% 3.49% 3.99% 4.49% 4.99%
B 4.99% 5.49% 5.99% 6.49% 6.99%
C 10.99% 11.49% 11.99% 12.49% 12.99%
D 15.99% 16.49% 16.99% 17.49% N/A
E 16.49% 16.99% 17.49% 17.99% N/A

Used Auto Loans 2007 & Older**

Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months
A 3.99% 4.49% 4.99% 5.49% 5.99%
B 6.99% 7.49% 7.99% 8.49% 8.99%
C 11.99% 12.49% 12.99% 13.49% 13.99%
D 16.49% 16.99% 17.49% 17.99% N/A
E 17.49% 17.99% N/A N/A N/A

**For Motorcycles add 0.50% to rates**


Other Recreational Collateral

New Other Recreational Collateral 2018 & Newer
(Never been titled or owned)

Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months 120 Months
A 4.99% 5.24% 5.49% 5.74% 5.99% 6.24%
B 5.99% 6.24% 6.49% 6.99% 7.24% 7.49%
C 8.99% 9.24% 9.49% 9.74% 9.99% 10.24%
D 14.99% 15.49% 15.99% 16.49% 16.99% N/A
E 15.99% 16.49% 16.99% 17.49% 17.99% N/A

**All terms of 120 months are subject to loan balance of $50k and above**

Used Other Recreational Collateral 2018 & Older

Loan Grade 36 Months 48 Months 60 Months 72 Months 84 Months 120 Months
A 5.99% 6.24% 6.49% 6.74% 6.99% 7.24%
B 6.99% 7.24% 7.49% 7.74% 7.99% 8.24%
C 10.99% 11.24% 11.49% 11.74% 11.99% 12.49%
D 15.49% 15.99% 16.49% 16.99% 17.49% N/A
E 16.99% 17.24% 17.49% 17.74% 17.99% N/A

**All Terms of 120 Months are subject to loan balances of $50K and above**

Unsecured Line of Credit 60 Month Term

Loan Grade A B C D E
Rate 8.99% 10.99% 15.99% 17.49% 17.99%

Home Equity Line of Credit**

Loan Grade A B C D E
Rate 6.75% 7.25% 7.75% 9.25% 9.75%

**180 month term with a fixed rate. Lines have a 60 month draw period. Minimum initial advance is $10k; subsequent advances afterward are $1,000.00**

VISA Classic Credit Card 36 Month Term

Loan Grade A B C D E
Rate 6.99% 8.99% 14.99% 17.49% 17.99%

* Rates are subject to change. All loan rates quoted as annual percentage rates. Loan rates may vary depending on credit qualifications including term of loan, year of vehicle, and credit history. Please call or come in for your qualifying rate.

Signature Loans

Loan Grade 36 Months 48 Months 60 Months
A 6.99% 7.99% 8.99%
B 8.99% 9.99% 10.99%
C 14.99% 15.49% 15.99%
D 16.99% 17.49% N/A
E 17.49% 17.99% N/A
Loan Type Origination Fee Rate
Tax Refund Loan $125.00 7.99%
Vacation Check Loan $125.00 7.99%
Shared Secured Loan N/A 3% plus dividend rate

Gold Checking get 0.50% Discount on Loans


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