Oregon State Credit Union loan rates

At Oregon State Credit Union, competitive loan rates plus lower fees are yours. Meet your unique financing needs with Oregon State Credit Union’s full range of loan products and lines of credit.

Auto loan rates, fees and disclosures
Effective Date: Saturday, February 4th, 2023
Car and truck loans with competitive rates and flexible terms help you get the vehicle you need. Reduced rates available for auto payment or Member Merits, depending on your credit and the amount financed.
Vehicle typeAPR (Low)*APR (High)Repayment terms

Apply for an auto loan online || Choose a branch to apply for auto loans || Call 800-732-0173

New auto loans

New auto (2022 - 2023) 7.24% 17.49% Up to 72 months
New auto (2022 - 2023) 7.74% 17.74% 73-84 months

Used auto loans

Used auto (2008-2021) 7.49% 17.99% Up to 72 months
Used auto (2008-2021) 7.99% 18.24% 73-84 months
Classic used auto 7.49% 17.99% Up to 60 months

About these auto loan rates

* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Payment examples

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments:

  • A $10,000 new auto loan with a 60 month repayment term will have a 7.24% APR and a monthly payment of $199.15

  • A $20,000 used auto loan with a repayment term of 84 months will have a 7.99% APR and a monthly payment of $311.65.

  • 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-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.

We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.

 

RV, boat and other recreational vehicle loan rates
Effective Date: Saturday, February 4th, 2023
Vehicle typeAPR (Low)*APR (High)Repayment terms

Apply online: RV loan, boat loan or motorcycle loan || Choose a branch to apply for a loan || Call 800-732-0173

New or used boat or RV

New boat or RV (2022-2023) 7.99% 19.24% Up to 72 months
New boat or RV (2022-2023) 8.24% 19.49% 73-180 months
Used boat or RV (2013-2021) 8.49% 19.99% Up to 72 months
Used boat or RV (2013-2021) 8.74% 20.24% 73-180 months

ATVs, horse trailers, motorcycles, snowmobiles and personal watercraft

New (2022-2023) 6.49% 18.24% Up to 72 months
New (2022-2023) 6.74% 18.49% 73-84 months
Used (2017-2021) 7.49% 18.99% Up to 72 months
Used (2017-2021) 7.74% 18.99% 73-84 months

About these rates

*APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

Payment examples

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments.

  • A $10,000 new RV or boat loan with a 72 month repayment term will have a 7.99% APR and a monthly payment of $175.29.
  • A $20,000.00 new RV or boat loan with a repayment term of 120 months will have a 8.24% APR and a monthly payment of $245.23.
  • 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-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your Credit Union statement.

We may offer other rates in the future. We may be able to match rates from other lenders. All loans are subject to approval.

 

Personal Loan rates
Effective Date: Saturday, February 4th, 2023
Loan typeAPR (Low)*APR (High)Repayment terms

Apply online: Personal loan or Personal Line of Credit || Choose a branch to apply for a loan || Call 800-732-0173

Personal Loan 11.99% 19.24% 12-36 months
Personal Loan 16.24% 19.24% 37-60 months
Payday Advance 18.00% 18.00% Up to 30 Days
Personal Line of Credit (PLOC)** 11.25% 20.00% $25 or 2.50% of the total balance, whichever is greater.
Savings-secured loans:
  • The APR is set at 3% above the secured savings account's earning rate. 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. We may be able to match rates from other lenders. All loans are subject to approval.
Certificate-secured loans:
  • The APR is set at 3% above the certificate's earning rate. 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.

About these Personal Loan rates

* APR (Low) indicates the lowest annual percentage rate you may qualify for on the loan. The annual percentage rates shown in the table are reflective of a range of rates available. All loans are subject to approval. You may qualify for the lowest rates published depending upon your credit qualification, the amount financed, receiving a 0.25% APR reduction by maintaining an automatic loan payment each month and 0.25% APR reduction for qualifying for the Premier Member Merits category. The Member Merits rate discounts are subject to change.

** Personal line of credit is not eligible for the Member Merits or automatic payment decrease in APR. 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.

Payment examples

The following examples illustrate the expected monthly loan payments for members who qualify for the prime rate, premier member merit status and enroll in automatic monthly payments:

  • A $5,000 Personal (Signature) Loan with 11.99% APR for 36 months has a monthly payment of $166.04.
  • A $5,000 Personal (Signature) Loan with 16.24% APR for 60 months has a monthly payment of $122.23.
  • 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-quarter of one percent (0.25%) for the remaining term of the loan. This rate change will be reflected on your credit union statement.

See personal loan disclosures, rates and fees

 

Home loan rates

Click the links in the table below to learn about rates, loan options and descriptions, payment examples and more.

Purchase
Description Rate APR Points Disclosure
30 Year Fixed Rate 5.75% 6.264% 1%Disclosure
20 Year Fixed Rate 5.5% 5.873% 1%Disclosure
15 Year Fixed Rate 5.125% 5.513% 1%Disclosure
Description Rate APR Points Disclosure
30 Year 97% First Time Home Buyer Purchase 5.75% 6.227% 1%Disclosure
Jumbo Loan Purchase
Description Rate APR Points Disclosure
30 Year Fixed Rate 5.75% 5.854% 1%Disclosure
15 Year Fixed Rate 5.375% 5.547% 1%Disclosure
Land Loan Purchase
Description Rate APR Points Disclosure
Land Building Lot 7.125% 7.358% 1%Disclosure
Land unimproved Property 8.125% 8.365% 1%Disclosure
Home Equity
Description Rate APR Points Disclosure
Home Equity Line of Credit 7.5% 7.5% 0%Disclosure
Refinance
Description Rate APR Points Disclosure
30 Year Fixed Rate 5.875% 6.01% 1%Disclosure
20 Year Fixed Rate 5.625% 5.803% 1%Disclosure
15 Year Fixed Rate 5.25% 5.472% 1%Disclosure
Jumbo Loan Refinance
Description Rate APR Points Disclosure
30 Year Fixed Rate 5.75% 5.854% 1%Disclosure
15 Year Fixed Rate 5.375% 5.547% 1%Disclosure

 

Visa® credit card rates on purchases
Effective Date: Saturday, February 4th, 2023
Credit cardAPR (Low)*APR (High)Perks
Visa® Value 11.00% 21.00% Save on purchases and balance transfers. Get our lowest rates.
Visa Rewards 13.50% 24.00% Earn 1% cash back with each purchase.
Teen Visa 11.00% 21.00% A co-signed, starter card for teens to learn responsible credit use.
* APR is annual percentage rate. APR (Low) and APR (High) reflect the range of rates available. When you open a credit account, the applicable APR will be based on your creditworthiness. After that, your APR will vary with the market, based on the prime rate. Membership in this credit union is required to open a credit account.
Additional credit card information: 1) To calculate your balance, we use a method called “average daily balance” (including new purchases). 2) How to avoid paying interest: Your payment due date is approximately 27 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. 3) Credit card tips: Visit the website of the Consumer Financial Protection Bureau (CFPB) to learn more about factors to consider when applying for or using a credit card at consumerfinance.gov/learnmore. View disclosures: Visa credit card agreement and disclosureVisa Rewards Standard Protection Package - card guide benefitsVisa Value Standard Protection Package - card guide benefits.

See Visa credit card disclosures, rates and fees

 

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