²²If at any time automatic payments are stopped, payment is returned NSF for 2 months in a row, Borrower is past due or the loan is not in repayment status, the rate discount 0.25% will not be applied. OCCU reserves the right to modify or discontinue Borrower Benefits at its discretion and without notice.

²⁰680 minimum credit score may increase to 720 based on the loan amount. Contact OCCU for more details.  

¹⁹3% down available on qualified one-unit, primary residence properties.

¹⁸Standard closing costs and prepaid escrows apply. Borrower is required to contribute a minimum of $1,000 and can be used toward closing costs. Borrower must have a minimum 680 credit score, other credit qualifications, conditions and restrictions apply.

¹⁷Motorcycle loan annual percentage rate range from 11.30% to 16.26%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on a motorcycle loan for $10,000 at 11.30% for 60 months, you would make 60 payments of $218.92.

¹³Investment advisory services offered through PFG Advisors, LLC, a SEC registered investment adviser. Securities offered through Osaic Wealth, Inc., member FINRA/SIPC. Insurance products offered through approved carriers. OCCU Investment Services, Oregon Community Credit Union, PFG Advisors, LLC, and Osaic Wealth, Inc. are separately owned entities and are not affiliated companies. Osaic Wealth, Inc.

¹⁶Boat loan annual percentage rate range from 12.30% to 17.26%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on a boat loan for $10,000 at 12.30% for 60 months, you would make 60 payments of $223.96.

¹⁵RV loan annual percentage rate range from 8.44% to 22.22%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on an RV loan for $10,000 at 8.44% for 60 months, you would make 60 payments of $204.88.

¹⁴Auto loan annual percentage rates range from 6.49% to 23.86%. Actual APR is based on year of collateral, loan to value, loan length, credit profile, market area and loan amount. Rates may change and are current as of 12/01/2024. For example, on an auto loan for $10,000 at 6.49% for 60 months, you would make 60 payments of $195.61.

¹²The IRA annual percentage yields (APY) and rates are current as of 12/09/2024. There is a minimum balance requirement of $500 to open a traditional or Roth IRA account and earn the APY. Early withdrawal penalties may apply. Fees could reduce earnings. See all rates and fees associated with OCCU certificate accounts here.