27Lock and Shop agreement is not a loan approval or loan preapproval; borrower must qualify and be preapproved for loan; loan must close and fund no later than lock expiration date to receive the rate shown in the Lock and Shop agreement; rate lock not available on all OCCU loan programs; Lock and Shop rate and points are subject to change based on certain loan factors including, but not limited to, the loan amount, property value, credit qualifications, occupancy and property type.

Woman with glasses reviewing finances with calculator at the kitchen table.

What’s prime rate and how does it affect me?

If you see a difference in your monthly payments – you’re not alone. Chances are, it may be time to make some adjustments to your money plans. Learn more about prime rate, how it affects interest rates, and why it matters for your financial wellness.
Topics:
Basic Finances
Managing Debt & Credit
Four increasing stacks of dollar bills lined up in a row.

High yield savings account: How can it help me?

Are your savings stashed in a coffee can? Give your money a raise by putting it into a high-yield savings account. Yes, earning more money is that simple! Let’s get your money moving at max efficiency.
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Budgeting & Saving
Starting Out Financially
people in home

Introducing Lock & Shop: OCCU’s new mortgage lending benefit

Looking for a home but worried that interest rates could rise? We have the solution to give you confidence while you shop in today’s housing market. Learn more about our new Lock & Shop program – an OCCU mortgage lending benefit that helps you lock
Topics:
Owning a Home

25Introductory terms are for new cardholders only. If you have received the benefit of a card promotion on an OCCU credit card product in the past 24 months you are not eligible for this promotion. We will not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates. Membership and eligibility restrictions apply.

24Cash Advance APR will be 19.49% to 29.49%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer Fee / Cash Advance Fee, $10.00 or 3.00% of the amount of each balance transfer or cash advance, whichever is greater. Foreign Transaction Fee, None. Annual Fee, None.

23Purchase APR: 0.00% introductory APR for 12 months. After that 14.49% to 24.49%, based on creditworthiness and will vary with the market based on Prime rate. Balance Transfer APR: 0.00% introductory APR for 12 months from account opening date for balance transfers completed within 60 days from the account opening date. After that, Balance Transfer APR will be 14.49% to 24.49%, based on creditworthiness and will vary with the market based on Prime rate..

Chelsy McNeil
Chelsy McNeil
VP of Digital & Payment Services

21Rate current as of 12/01/2024. Variable rate based on prime plus margin. Margin amount depends on creditworthiness. Current APRs range from 7.75% to 11.75%. Maximum APR is 18.00%. Estimated account opening fees $0.00-$2,300.00; these fees vary depending on circumstances.

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