Loan & VISA Rates
July 1, 2014 (rates are subject to change)
th
718 NE 12 Ave, Portland, OR 97232 | pointwestcu.com | main 503.546.5000 | toll-free 888.468.5826
Loan Type
Terms & Special Features
Interest Rate (APR)
New and Used Auto
Finance up to 115% of purchase price on new autos.
Finance up to 115% Kelly Blue Book, applies to vehicles 7
years old or newer. Terms to 84 months. Lowest rate
stated is for 60 month term and A+ credit.
Older Used Auto
Finance up to 105% Kelly Blue Book, applies to vehicles 810 years old. Terms to 60 months. Lowest rate stated is
for 60 month term and A+ credit.
New or Used RV/Boat
Finance up to 100% of purchase price on new, and 100%
Kelly Blue Book on used. Terms to 15 years. Applies to
RVs and boats 7 years old or newer.
7.75% - 27.75% (Variable)
Bike
Minimum loan of $750, maximum loan of $5,000. Terms
up to 36 months. Lowest rate requires auto pay and is
based on credit.
4.49% - 12.74% (Variable)*
Line of Credit / Personal Loan
Advance the Line of Credit online at pointwestcu.com or
through SpeedyLine, our telephone teller. Terms of 60
months for personal loans.
10.00% - 28.00% (Variable)*
Share Secured
A loan to help members repair their credit. Deposit funds
into a Point West share account or share certificate to
secure the loan. Borrow up to 100% of the share balance.
Loan status is reported to the credit bureaus.
1.24% (Fixed)
VISA Platinum
No annual or international transaction fees, auto rental
and travel accident insurance, worldwide acceptance. Use
as a charge card, ATM card, or for point-of-sale access.
25-day grace period, payment 3% of balance.
8.95% purchase rate
12.45% cash advance rate + $5 fee
VISA Classic
No annual or international transaction fees, 25-day grace
period, accepted worldwide. Use as a charge card or ATM
card or for point-of-sale access. Payment 3% of balance.
14.99% purchase rate
18.49% cash advance rate + $5 fee
SilverLine VISA
No annual or international transaction fees, 25-day grace
period, accepted worldwide. Use as a charge card, ATM
card, or for point-of-sale access. Payment 3% of balance.
13.99% purchase rate
17.49% cash advance rate + $5 fee
Fresh Start VISA
$25 initial processing fee, 25-day grace period, accepted
worldwide. Use as a charge or ATM card, or for point-ofsale access. Payment 3% of balance. No international
transaction fees.
17.90% purchase rate
21.40% cash advance rate + $5 fee
1.99% - 20.99% (New Fixed)*
2.24% - 20.99% (Used Fixed)*
3.24% - 22.99% (Fixed)*
*For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments. Typical payment is
$12.89 per $1000 borrowed.
APR= Annual Percentage Rate. All rates are subject to change. All rates are variable, unless noted otherwise, and are tied to the Prime Rate. Rate
changes the 1st day of the month after the Prime Rate index changes. You will receive written notification in advance of any increase. Rates are based
on your credit history and current credit report. Loan term may be based on amount financed, age of collateral, and your credit score. All loans are
subject to credit approval. Call Point West’s Consumer Loan Center at 503.546.5000 or 888.468.5826 for the latest rates and terms.
Home Mortgage & Home Equity Loans
July 1, 2014 (rates are subject to change)
718 NE 12th Ave, Portland, OR 97232 | pointwestcu.com | main 503.546.5000 | toll-free 888.468.5826
Loan Type
Features
Rates (APR) and Terms
Home Equity Line of Credit
(HELOC)1 - Variable
Access an equity line of credit for up to 80% loan to value
(LTV). Variable rate, tied to the federal prime rate. Access
funds by check or transfer. Minimum rate of 2.50% APR.
65% to 80% Loan to Value (LTV)
Prime Rate + Interest Margin
Margin as low as +0.00% APR2
As low as 3.00% APR2
Home Equity Line of Credit
(HELOC)1 - Fixed
Lock in a fixed rate on your home equity line of credit for
up to 15 years. Access an equity line of credit for up to
80% loan to value (LTV). No annual fee. Access funds by
check or transfer.
65% to 80% Loan to Value (LTV)
As low as 4.00% APR2
Home Equity Fixed Term Loan
Access an equity loan for up to 80% loan to value (LTV). A
fixed rate with no annual fee.
65% to 80% Loan to Value (LTV)**
As low as 3.25% APR2
Purchases & Refinances
Visit our website at pointwestcu.com and click on “Home”
in the “Loans” section for details on purchases and
refinances through Point West.
Call 503.546.5047 or
503.546.5024 for details
1
To qualify for a HELOC, member must have sufficient home equity to qualify for minimum line of $5,000. Rates change the first day of the following
month after Prime Rate index changes. Minimum payment 1.5% of outstanding balance. The margin connected to Prime Rate is determined by credit
score. Maximum rate of 18.00% APR. Typical payment is $7.54 per $1000 borrowed.
2
APR= Annual Percentage Rate. Rates for all Point West Credit Union loans connected to home equity are determined by credit score and loan to value.
Rates stated above are based on A+ credit. Minimum Line of Credit for the Fixed HELOC is $5,000. Payment must be made via automatic payment. Rate
is 0.25% APR higher for non-auto loan payments.
Checking Accounts
July 1, 2014 (rates are subject to change)
718 NE 12th Ave, Portland, OR 97232 | pointwestcu.com | main 503.546.5000 | toll-free 888.468.5826
Earn with Eco Checking.
Good for you. Good for us all.
Point West Credit Union is rooted in the cooperative nature of credit unions- we are all about
people helping people. And in this case, we are people helping people and the environment, with
some earnings, all mixed in. Use your credit union to the fullest and earn more with Eco Checking.
It is good for you, and good for your credit union. Account details are listed below. Speak with a
Member Service Representative if you have any questions.
Account Type/Minimum Balance
Features
Dividend Rate / APY*
Eco Checking/$0
Features 2.50% APY on balances up to
$25,000, plus 0.25% APR discount on loans,
no monthly fee, no minimum balance, and
special promotions just for Eco Checking
members.1
$0 – $25,000 | 2.50% / 2.529%
Above $25,000 | No Dividends
Bonus Checking/$0
Features 0.50% APY on balances up to
$25,000, plus 0.25% APR discount on loans,
no monthly fees, and special promotions just
for Bonus Checking members.2
$0 - $25,000 | 0.50% / 0.501%
Above $25,000 | No Dividends
Standard Checking/$0
Features 0.25% APR discount on loans, no
minimum balance, and no monthly fee with
enrollment in paperless e-Statements ($10
monthly fee for mailed paper statements).3
No Dividends
Fresh Start Checking/$0
For members who do not qualify for Standard
Checking because of damaged credit and/or a
Chex Systems record. Includes a $10 monthly
service fee. Ask a Member Service
Representative for details
No Dividends
*Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $25,000. Dividend
Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary
member. Requirement period runs from the 28th of the prior month to the 27th of the current month.
1
Eco Checking requires 5 credit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source,
and enrollment in e-Statements in the requirement period. Loan discounts do not apply to VISA credit cards or real estate loans.
2
Bonus Checking requires 5 debit card purchases, a successful login to online banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source,
and enrollment in e-Statements in the requirement period. Loan discounts do not apply to VISA credit cards or real estate loans.
3
Standard Checking features no monthly fee if member enrolls in e-Statements. Otherwise there is a monthly fee of $10 for mailed paper statements. Members 55 years of age
or older will not receive a monthly fee should they opt for mailed paper statements. Loan discounts do not apply to VISA credit cards or real estate loans.
APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be
guaranteed. Dividends on High Yield Passbook, Club Accounts, and IRAs are computed from day of deposit to day of withdrawal and posted on the last day of the month. The
Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency on compounding for an
annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at pointwestcu.com. Call Member
Services at 503.546.5000 for additional service or assistance.
Federally insured by the NCUA
Savings Accounts & Investments
July 1, 2014 (rates are subject to change)
718 NE 12th Ave, Portland, OR 97232 | pointwestcu.com | main 503.546.5000 | toll-free 888.468.5826
Account Type/Minimum Balance
Special Features
Dividend Rate / APY
High Yield Savings†/$5
Club Accounts†/$0
Early daily dividends, paid monthly. Deposit,
withdraw, or transfer with an ATM Card,
featuring worldwide ATM access. Or save for
taxes or special occasions with our Club
Accounts. No ATM access to club accounts.
Money Market†/$2,500
Up to 6 withdrawals or transfers per month.
Make transfers through Online Banking,
Speedy Line telephone teller, or in person.
This account does not pay dividends on
balances of less than $2,500.
Share Certificates
Dividends are calculated daily and paid monthly. Penalties are assessed for early
withdrawal. NCUA insurance is $250,000 per member. Ask a Member Service
Representative for details regarding NCUA insurance. For details on Share Certificates,
please contact Point West at 503.546.5000 to speak with a Member Service
Representative.
Certificate Type
$0 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 or more
$0 - $9,999
$10,000 - $24,999
$25,000 - $49,999
$50,000 - $99,999
$100,000 or more
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0.00% / 0.000%
0.00% / 0.000%
0.00% / 0.000%
0.00% / 0.000%
0.00% / 0.000%
0.025% / 0.025%
0.050% / 0.050%
0.050% / 0.050%
0.125% / 0.125%
0.250% / 0.250%
Term
Deposit
Member+ Share Certificates
12 months
$500 - $200,000
0.499% / 0.500%
Regular Share Certificates2
12 months
24 months
36 months
$500 - $200,000
$500 - $200,000
$500 - $200,000
0.250% / 0.250%
0.499% / 0.500%
0.747% / 0.750%
1
Dividend Rate / APY
1
Member + Share Account Disclosures: Minimum Certificate deposit of $500, maximum deposit of $200,000. Member + Certificates require a Point West Checking
Account and debit card, plus three of the following products/services: direct deposit, consumer loan, VISA credit card with activity, e-Statements, or youth saving account
affiliation with automatic transfer to the youth account. Conditions apply if not all criteria are maintained for the term of the certificate. For complete details please speak
with a Member Service Representative. 09.2013
2
Regular Share Account Disclosures: Minimum Certificate deposit of $500, maximum deposit of $200,000. Terms and conditions apply. Penalties for early withdrawal will
be assessed. Contact Point West at 503.546.5000 for details. 09.2013
Individual Retirement Account (IRA)
IRA accounts may be invested into Share Certificates or Savings Accounts. Save
and defer taxes up to $5,500 per wage earner per year if you qualify. No set-up,
annual, or transfer fees. Insured separately by the NCUA to $250,000. Dividends
are calculated daily and paid monthly. Roth, SEP, and Education IRAs also
available. Contact your tax advisor. You may qualify, if you are 50 years or older,
for the catch-up, which could be $6,500 per year.
†Savings and Money Market Transfer Limitations – Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized,
automatic, overdraft, and telephone transfers (including Speedy Line and Online Banking) to another account of yours or a third party. A preauthorized transfer includes
any arrangement with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health
club, including orders received through the Automated Clearing House (ACH)). There is no limit on the number of transactions you may make to another Point West Credit
Union account or withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM.
APY = Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current earnings. Future rates cannot be
guaranteed. Dividends on High Yield Passbook, Club Accounts, and IRAs are computed from day of deposit to day of withdrawal and posted on the last day of the month.
The Annual Percentage yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of
compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at
pointewestcu.com. Call Member Services at 503.546.5000 for additional service or assistance.
Federally insured by the NCUA.
Business Accounts & Services
July 1, 2014 (rates are subject to change)
718 NE 12th Ave, Portland, OR 97232 | pointwestcu.com | main 503.546.5000 | toll-free 888.468.5826
Account Type/Minimum Balance
Features
Business Savings†/$5
Earn daily dividends, paid monthly. Minimum
Balance of $25.
Business Eco Checking/ $0
Checking account featuring 2.50% APY on
balances up to $25,000, plus 0.25% APR discount
on loans, no monthly fees, and special promotions
just for Eco Checking members. See * below for
Eco Checking requirements and limitations.
Money Market†/$2,500
Up to 6 withdrawals or transfers per month. Make
transfers through Online Banking, SpeedyLine
telephone teller, or in person. This account does
not pay dividends on balances of less than $2,500.
Merchant Card Services
Dividend Rate / APY*
$0 - $9,999
$10,000 - $24,999
$25,000-$49,999
$50,000-$99,999
$100,000 or more
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0.00% / 0.000%
0.00% / 0.000%
0.00% / 0.000%
0.00% / 0.000%
0.00% / 0.000%
$0 - $25,000 | 2.50% / 2.529%*
Above $25,000 | No Dividends
$0 - $9,999
$10,000 - $24,999
$25,000-$49,999
$50,000-$99,999
$100,000 or more
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0.025% / 0.025%
0.050% / 0.050%
0.050% / 0.050%
0.125% / 0.125%
0.250% / 0.250%
If your business is expanding, the need for a flexible credit card payment system can be critical to your
continuing success. Choosing the right financial partner for your merchant program can be equally
important. Point West Credit Union’s Merchant Bankcard Service Program uses a state-of-the-art system.
Credit card and purchase card transactions can be processed electronically through a point-of-sale (POS)
terminal, a touch-tone phone, or PC, and automatically deposited into your business account.
Point West Credit Union’s Merchant Bankcard Service Program provides the following:
Straightforward pricing with month-to-month service agreement.
Complete training for your staff.
Competitive discount rates designed to give you the best rate based on your processing method
and volumes.
24-hour customer service.
Detailed statements identifying bankcard activity each month by location.
Varied processing options, including automated response (ARU), PC processing or merchant
terminal processing.
Experienced personnel who understand merchant bankcard services and applications.
A helpful, solution-focused customer service representative when you call with a problem or
inquiry.
*Dividend Rate/APY may change at any time. No enrollment is necessary to receive Dividend Rate/APY. Dividend Rate/APY are applied to balances up to $25,000. Dividend
Rate/APY is accrued daily and paid monthly. Dividend Rate/APY is applied to one checking suffix per account. Dividend Rate/APY is only applied to one account per primary
member. Requirement period runs from the 28th of the prior month to the 27th of the current month. Eco Checking requires 5 credit card purchases, a successful login to online
banking, a direct deposit or multiple direct deposits totaling $500 or more from an external source, and enrollment in e-Statements in the requirement period. Eco Checking
features no monthly fee if member enrolls in e-Statements. Otherwise there is a monthly fee of $10 for mailed paper statements. Members 55 years of age or older will not
receive a monthly fee should they opt for mailed paper statements. Loan discounts do not apply to VISAs or real estate loans.
†
Savings and Money Market Transfer Limitations- Up to six (6) transfers per calendar month, per suffix/account. The transfer limitation applies to preauthorized, automatic,
overdraft, and telephone transfers (including SpeedyLine and Online Banking) to another account of yours or a third party. A preauthorized transfer includes any arrangement
with Point West Credit Union to pay a third party from your account upon written or oral orders (such as your automobile insurance company or health club), including orders
received through the Automated Clearing House (ACH). There is no limit on the number of transactions you may make to another Point West Credit Union account or
withdrawals (checks made directly to you) when such transfer or withdrawal is initiated in person, by mail or at an ATM.
APR= Annual Percentage Rate. APY=Annual Percentage Yield. Point West Credit Union is a member-owned cooperative and pays dividends/interest based on current
earnings. Future rates cannot be guaranteed. Dividends on High Yield Passbook, Club Accounts, and IRAs are computed from day of deposit to day of withdrawal and posted on
the last day of the month. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and
frequency on compounding for an annual period. See our Fee Schedule for complete details on individual fees charged for specific services. You can also find our rates online at
pointwestcu.com. Call Member Services at 503.546.5000 for additional service or assistance.
Federally insured by the NCUA