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Rates

Savings, Investments, and Checking

Let us help you with your savings goals

Whether you are saving for a rainy day, that perfect vacation or retirement – we have the right account for you. Let us know if you have any questions about these deposit rates, we are happy to suggest the perfect account for your needs.

Click here to view Loan Rates.

Deposit and Savings Rates as of September 1st, 2018


rates-membership-share table

Membership Share

Dividend RateAPY*
0.05%0.05%

Account Disclosures and Details

*APY = APY = Annual Percentage Yield. Minimum balance to open is $5. Interest compounded and credited quarterly. View the full Rate Schedule & Account Disclosures.

rates-kids-club-freestyle table

Kids Club/Freestyle

Dividend RateAPY*
0.45%0.45%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open is $5. Minimum balance to earn APY is $0.01. Interest compounded and credited quarterly. View the full Rate Schedule & Account Disclosures.

rates-spring-fall-club table

Spring/Fall Club Accounts

Interest RateAPY*
0.40%0.40%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open and earn APY is $25.00. Interest compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

rates-save-4-it table

Save 4 It

Interest RateAPY*
0.45%0.45%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to earn APY is $0.01. Interest compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

rates-super-saver table

Super Saver

Interest RateAPY*
0.40%0.40%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open and earn APY is $25.00. Interest compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

rates-money-fund table

Money Fund

Account BalanceInterest RateAPY*
$1000.00 - $24,999.990.35%0.00% - 0.35%
$25,000 - $49,999.990.50%0.35% - 0.43%
$50,000.01 and up0.60%0.43% - 0.57%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open and earn APY is $1,000.00. Interest compounded and credited monthly. The Money Fund account is a Tiered Rate Account. Each Interest Rate will apply only to that portion of the account balance within each range. View the full Rate Schedule & Account Disclosures.

rates-advantage-plus table

Advantage + Money Market

Account BalanceInterest RateAPY*
$5,000.01 - $10,000.000.15%0.15%
$10,000.01 - $50,000.000.30%0.30%
$50,000.01 - $150,000.000.55%0.55%
$150,000.01 - $250,000.000.70%0.70%
$250,000.01 and over0.90%0.90%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum opening deposit is $50,000 and 50% ($25,000) must come from new money not currently on deposit with USAgencies Credit Union. Monthly service charge of $10 if balance falls below $10,000. Minimum balance to earn APY is $5,000.01. Interest is compounded and credited monthly.

rates-lifestyle-checking table

Lifestyle Checking Accounts

Interest RateAPY*
0.10%0.10%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open is $25.00. Minimum balance to earn APY is $2,000.00. Interest compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

rates-certificate-of-deposit table

Certificate of Deposit

TermMin Opening BalInterest RateAPY*
6 Months$5000.65%0.65%
12 Months$5000.75%0.75%
18 Months - Bump CD$5000.60%0.60%
24 Months$1,0001.00%1.01%
30 Months - Bump CD$5000.85%0.85%
36 Months$1,0001.25%1.26%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open and earn APY for 6 and 12 month CD’s is $500 for 24 and 36 months the minimum balance to open is $1,000. Interest is compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

rates-save-to-win table

Save To Win Certificate

TermMin Opening BalInterest RateAPY*
12 Months$250.50%0.50%

Account Disclosures and Details

*APY = Annual Percentage Yield. OREGON RESIDENTS ONLY. For ages 18+. Minimum balance to open and earn APY is $25. Interest is compounded and credited monthly. Maximum monthly deposit for certificate is $250. View the full Rate Schedule & Account Disclosures.

rates-kids-club-starter table

Kids Club Starter CD*

TermMin Opening BalInterest RateAPY*
3 Months$1001.50%1.51%

Account Disclosures and Details

*APY = Annual Percentage Yield. For ages 0-17. Minimum balance to open and earn APY is $100. Interest is compounded and credited monthly. Maximum deposit for CD is $500. You may have up to 3 Kids Club Starter CDs. View the full Rate Schedule & Account Disclosures.

rates-new-membership-youth table

New Membership Youth CD*

TermMin Opening BalInterest RateAPY*
3 Months$10010.00%10.47%

Account Disclosures and Details

*APY = Annual Percentage Yield. For ages 0-17. Minimum balance to open and earn APY is $100. Interest is compounded and credited monthly. Maximum deposit for CD is $500. Only one New Membership Youth CD is allowed and must be opened within 2 weeks of account opening. View the full Rate Schedule & Account Disclosures.

rates-ira-share table

IRA Share Account

Interest RateAPY*
0.50%0.50%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open is $100.00. Minimum balance to earn APY is $0.01. Interest compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

rates-ira-cod table

IRA Certificates of Deposit

TermInterest RateAPY*
6 Months0.70%0.70%
12 Months0.80%0.80%

Account Disclosures and Details

*APY = Annual Percentage Yield. Minimum balance to open is $100.00. Minimum balance to earn APY is $0.01. Interest compounded and credited monthly. View the full Rate Schedule & Account Disclosures.

Auto, Credit Card, Home Equity, and Other Loan Rates

Need a loan? We’ve got you covered!

Let us know if you have any questions about these loan rates - we are happy to help. Contact us today to apply for a loan.

Click here to view Deposit Rates.

Loan Rates as of July 1st, 2018

rates-new-used-autos table

New & Used Auto Loan Rates

Rate TypeTerms Up To
Fixed84 Months2.99% - 11.74%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age of vehicle. Offer valid on purchases and vehicles refinanced from other institutions. Existing USACU auto loans do not qualify. Loans are subject to credit approval. Rates quoted based on vehicles ten model years old and newer (vehicles must be three model years old and newer to qualify for terms greater than 72 months). Rates quoted do not include rate reduction for SmartWay ® Vehicle designation. Rate discounts are only offered on fixed rate loans. Vehicles over 10 model years old are subject to an additional 0.50% APR more than the published rate.

rates-new-used-rv-boat table

New & Used RV & Boat Loan Rates

Loan TypeTerms Up ToAPR*
RV**144 Months3.99% - 12.74%
Boat***144 Months3.99% - 12.74%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age and type of collateral. Offer valid on purchases and vehicles refinanced from other institutions. Loans are subject to credit approval. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
**RVs include Motorhomes, 5th Wheels, Travel Trailers, Camper and Tent Trailers. Repayment terms up to 144 months, provided the RV does have a bathroom, kitchen, and sleeping quarters. For terms greater than 84 months, the loan amount must be at least $30,000. Minimum down payment of 20% for loans $50,000-$75,000. For campers and tent trailers the maximum term is 60 months. Maximum loan amount is $75,000.
***Repayment terms up to 144 months, provided the Boat does have a bathroom, kitchen, and sleeping quarters. For terms greater than 84 months, the loan amount must be at least $30,000. Minimum down payment of 20% for loans $50,000-$75,000. Maximum loan amount is $75,000.

rates-new-used-motorcycle table

New & Used Motorcycle Loan Rates

Loan TypeTerms Up ToAPR*
Motorcycles72 Months3.99% - 12.74%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age and type of collateral. Offer valid on purchases and vehicles refinanced from other institutions. Existing USACU auto loans do not qualify. Loans are subject to credit approval. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.

rates-new-used-atvs table

New & Used ATV Loans

Loan TypeTerms Up ToAPR*
Personal Watercraft, ATV, Snow Mobiles60 Months6.75% - 16.00%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age and type of collateral. Offer valid on purchases and vehicles refinanced from other institutions. Existing USACU auto loans do not qualify. Loans are subject to credit approval. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.

rates-bicycle table

Bicycle Loans

Loan TypeTerms Up ToAPR*
Bicycle Loan36 Months6.75% - 13.00%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age and type of collateral. Loan amounts of $500 - $3,500. New bicycles only. Accessories may be financed, but cannot exceed 25% of the bicycle purchase price and must be itemized on the purchase receipt.

rates-personal-title-secured table

Personal Title Secured

Loan TypeTerms Up ToAPR*
Title Secured60 Months6.75% - 16.00%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness, term of the loan and age and type of collateral. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
Acceptable collateral for a Title Secured Loan: Autos, trucks, motorcycles, van conversions, motor homes, travel trailers, fifth wheels, campers, boats, and tent trailers.

rates-share-secured table

Share Secured

Loan TypeTerms Up ToAPR*
Share Secured120 Months1.80% - 4.30%

Click Here for Loan Disclosures and Details

*APR= Annual Percentage Rate. Rates are subject to change without notice. Conditions or restrictions may apply.

rates-credit-builder table

Credit Builder Loans

Loan TypeTerms Up ToAPR*
Share Secured12 Months8.00%

Click Here for Loan Disclosures and Details

*APR= Annual Percentage Rate. Credit will be pulled for educational purposes only. Minimum loan amount is $500.00, maximum is $2,000.00. Maximum term of 12 months. Rates are subject to change without notice. Conditions or restrictions may apply.

rates-cd-secured table

CD Secured Loan

Loan TypeTerms Up ToAPR*
CD SecuredMaturity Date of CDVaries

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Actual rate determined by current rate and term of certificate of deposit with USACU plus a margin. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.

rates-personal table

Personal Loan Rates(Signature Loans)

Loan TypeTerms Up ToAPR*
Personal Loan(Signature Loan)60 Months9.00% - 18.50%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant's credit and may vary on credit worthiness. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.

rates-lifestyle-line-of-credit table

Lifestyle Line of Credit

Loan RateTerms Up ToAPR*
Line of CreditRevolving Term9.00% - 17.00%

Click Here for Loan Disclosures and Details

*Variable Rate – Rate is based on Wall Street Journal Prime Rate plus a margin. Your margin is based on your credit worthiness. Rate can change monthly. Annual Percentage Rates (APR) are based on an evaluation of an applicant's credit and may vary on credit worthiness. $25 Annual Fee charged each year in February All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.

rates-heloc table

Home Equity Loans

Rate TypeTermInterest Rate as low as*APR as low as*
Primeline**Revolving5.00%Variable
Fixed Equity***Up to 10 Years4.50%5.50%
Fixed Equity***Up to 15 Years4.75%5.21%

Click Here for Loan Disclosures and Details

*APR = Annual Percentage Rate. Rates are based on your credit history, lien position and combined loan to value ratio. NOTE: Upon payoff/closure of any real estate secured loan, a Deed of Trust re-conveyance fee will be collected. Fee varies by state/county. Hazard insurance will be required; flood insurance and appraisal may be required.
**Primeline Home Equity Line of Credit: Rate is based on Wall Street Journal Prime Rate plus a margin. Your margin is based on your credit worthiness. Rate can change monthly. Requires a minimum line amount of $10,000 and is not to exceed a maximum line amount of $100,000. Credit Union pays up to $300 closing costs, any amounts over are paid by the member. Should an appraisal be necessary, fee will be member’s responsibility. $35 Annual fee. $300 prepayment penalty should line be cancelled within the first 3 years. The rate will never be less than 4.00% or greater than 15.00%. At the end of your 7 year draw period you will have 5 years to repay the loan in full or refinance (subject to credit worthiness and loan to value). Property must be used a primary residence and located in the states of Oregon or Washington.
*** A sample loan payment on a $10,000 First Mortgage Home Equity Loan at a rate of 4.50% with a corresponding APR of 5.50% for 10-years would be $103.64. A sample loan payment on a $15,000 First Mortgage Home Equity Loan at a rate of 4.75% with a corresponding APR of 5.21% for 15-years would be $116.67. Payments do not include amounts for taxes and insurance premiums, if applicable; actual payment obligation will be greater. Closing costs range from $450 - $1,500, depending on loan amount, loan position and appraisal costs. Underwriting approval required. Property must be located in the states of Oregon, Washington or Idaho.

rates-credit-card table

Credit Cards

Rate TypeRatesMaximum Limit*
Visa Platinum Rewards10.00% - 12.00%$20,000.00
Visa Gold11.95%$15,000.00
Secured Visa Gold11.95%$15,000.00

Click here for VISA Gold and VISA Secured Gold Disclosures, Terms, and Conditions
Click here for VISA Platinum Disclosures, Terms, and Conditions