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Loan Rates
The rates and terms applicable to your account are provided in its entirety at the credit union office. We may offer other rates for these accounts from time to time. Rates on this website may not be current.

* Discounts up to 0.75% are available when certain services are maintained within your credit union account. Qualifying services reduce the APR by 0.25% and up to three (3) qualifying services are available to certain loans stated above.
** Minimum loan amounts apply to these terms.
Home Equity Loans have a $100.00 application fee. Maximum APR is 18%. Rates may not be applicable to existing loans. Rates are set by the Board of Directors and subject to change without notice. Rates stated on this website may not be current rates. You must contact Oregon Pioneer FCU at 503-833-1540 for current rates. Rates are fixed rates unless the rate is followed by a "V" which means it is a Variable Rate loan. Variable Rate loan payment amounts generally do not adjust with rate changes unless the payment amount is a percentage of the loan balance. APR means Annual Percentage Rate.
Rates may be higher according to your credit history and credit score.


 Loan Type/Term APR *Discount Available Lowest APR Rate
 2015 & Newer Auto/Motorcycle/Van/Pickup
 36 mo. 2.99% 0.75% 2.24%
 48 mo.
2.99% 0.75% 2.24%
 60 mo. 2.99% 0.75% 2.24%
 72 mo.** 3.74% 0.75% 2.99%
 84 mo.** 4.49% 0.75% 3.74%
 2014 & Older Auto/Motorcycle/Van/Pickup
 36 mo. 3.50% 0.75% 2.75%
 48 mo.
3.50% 0.75% 2.75%
 60 mo. 3.50% 0.75% 2.75%
 72 mo.** 4.25% 0.75% 3.50%
 84 mo.** 5.00% 0.75% 4.25%
 2015 & Newer Boats/RV/ATV/Jet Ski
 36 mo. 5.24% 0.75% 4.49%
 48 mo.
5.49% 0.75% 4.74%
 60 mo. 5.74% 0.75% 4.99%
 72 mo.** 5.99% 0.75% 5.24%
 84 mo.** 5.50%V 0.75% 4.75%V
 120 mo.** 6.00%V 0.75% 5.25%V
 2014 & Older Boats/RV/ATV/Jet Ski
 36 mo. 6.50% 0.75% 5.75%
 48 mo.
6.75% 0.75% 6.00%
 60 mo. 7.00% 0.75% 6.25%
 72 mo.** 7.25% 0.75% 6.50%
 84 mo.** 6.50%V 0.75% 5.75%V
 120 mo.** 7.00%V 0.75% 6.25%V
 Share Secured 3.10%-4.80% -- 3.10%-4.80%
 Personal Loan 9.95% 0.75% 9.20%
 Draft Line of Credit 8.95% 0.75% 8.20%
 Home Equity Line of Credit 5.25%V -- 5.25%V
 Home Improvement Loan 5.49%F -- 5.49%F

Any loan used for business purposes will be the regular loan rate plus 100bp.

* Discounts up to 0.75% are available when certain services are maintained within your credit union account. Qualifying services reduce the APR by 0.25% and up to three (3) qualifying services are available to certain loans stated below.

** Minimum loan amounts apply to these terms.
Home Equity Loans have a $50.00 application fee. Maximum APR is 18%. Rates may not be applicable to existing loans. Rates are set by the Board of Directors and subject to change without notice. Rates stated on this website may not be current rates. You must contact Oregon Pioneer Federal Credit Union at 503-833-1540 for current rates. Rates are fixed rates unless the rate is followed by a "V" which means it is a variable rate loan. Variable Rate loan payment amounts generally do not adjust with rate changes unless the payment amount is a percentage of the loan balance. APR means Annual Percentage Rate. Rates may be higher according to your credit history and credit score.
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Your savings are now federally insured to at least $250,000.00 by the National Credit Union Administration (just like FDIC).
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