--- title: "Benton County Schools Credit Union Rates - Oregon" description: "Current mortgage, vehicle loan, heloc, personal loan, credit card, and savings & cd rates from Benton County Schools Credit Union in Oregon. Updated daily with source verification. See who can join Benton County Schools Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/benton-county-schools" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Benton County Schools Credit Union Rates - Oregon ### Mortgage rates 8 offers | Product | Published | Rate | Term / condition | Status | | **First Mortgage Rates (3-1 ARM - Starting Rate)** 3 1 arm | — APR | 5.500% | — | Standard | | **First Mortgage Rates (5-1 ARM - Starting Rate)** 5 1 arm | — APR | 6.000% | — | Standard | | **First Mortgage Rates (15-Year - New Loan)** other | — APR | 6.500% | — | Standard | | **First Mortgage Rates (30-Year - New Loan)** other | — APR | 7.375% | — | Standard | | **First Mortgage Rates (15-Year - Refinance)** other | — APR | 6.500% | — | Standard | | **15-Year - Refinance** other | — APR | 6.500% | — | Standard | | **30-Year - Refinance** other | — APR | 7.000% | — | Standard | | **First Mortgage Rates (30-Year - Refinance)** other | — APR | 7.375% | — | Standard | Benton County Schools Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 15 offers | Product | Published | Rate | Term / condition | Status | | **Used RVs & Boats - Variable Rate (Up to 96 Months)** rv_used_96mo | — APR | 3.250% | 96 mo · used | Standard | | **New auto as defined below. Rate based on credit qualification.** auto_new_84mo | — APR | 4.490% | 84 mo · new | Standard | | **Used Vehicle (greater than 6 model years old) - Variable Rate Loans (Up to 72 Months)** auto_used_72mo | — APR | 4.500% | 72 mo · used | Standard | | **Used Vehicle (less than 6 model years old) - Variable Rate Loans (Up to 84 Months)** auto_used_84mo | — APR | 4.500% | 84 mo · used | Standard | | **New Vehicle - Variable Rate Loans (Up to 84 Months)** auto_new_84mo | — APR | 4.500% | 84 mo · new | Standard | | **Auto Loan** auto | — APR | 5.000% | — | Standard | | **Used Vehicle (less than 6 model years old) - Fixed Rate Loans (Up to 84 Months)** auto_used_84mo | — APR | 5.490% | 84 mo · used | Standard | | **Used Vehicle (greater than 6 model years old) - Fixed Rate Loans (Up to 72 Months)** auto_used_72mo | — APR | 5.990% | 72 mo · used | Standard | | **New RVs & Boats - Variable Rate (Up to 144 Months)** rv_new_144mo | — APR | 6.750% | 144 mo · new | Standard | | **New RVs & Boats - Variable Rate (Up to 120 Months)** rv_new_120mo | — APR | 6.750% | 120 mo · new | Standard | | **New RVs & Boats - Variable Rate (Up to 180 Months)** rv_new_180mo | — APR | 6.750% | 180 mo · new | Standard | | **New RVs & Boats - Fixed Rate (Up to 120 Months)** rv_new_120mo | — APR | 7.990% | 120 mo · new | Standard | | **New RVs & Boats - Fixed Rate (Up to 144 Months)** rv_new_144mo | — APR | 8.250% | 144 mo · new | Standard | | **New RVs & Boats - Fixed Rate (Up to 180 Months)** rv_new_180mo | — APR | 8.500% | 180 mo · new | Standard | | **Used RVs & Boats - Fixed Rate (Up to 96 Months)** rv_used_96mo | — APR | 8.990% | 96 mo · used | Standard | Benton County Schools Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **5-Year Draw Period** heloc | — APR | 4.000% | — | Standard | | **10-Year Draw Period** heloc | — APR | 4.500% | — | Standard | Benton County Schools Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 4.500% | 36 mo | Standard | | **Up to 60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 5.500% | 60 mo | Standard | | **24-Month Unsecured Personal Loan** personal_unsecured_24mo | — APR | 5.500% | 24 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 5.500% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 6.500% | 60 mo | Standard | Benton County Schools Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Other APRs (Cash advances and balance transfers)** credit_card_balance_transfer | — APR | 13.950% | — | Standard | Benton County Schools Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 26 offers | Product | Published | Rate | Term / condition | Status | | **Miscellaneous Savings** savings | — APY | 0.10% | — | Standard | | **Regular Shares (Min. $25.00)** savings | — APY | 0.10% | — | Standard | | **Money Market** money_market | — APY | 1.00% | — | Standard | | **Member Advantage** savings | — APY | 1.00% | — | Standard | | **IRAs** ira | — APY | 1.00% | — | Standard | | **Health Savings (HSA)** savings | — APY | 1.10% | — | Standard | | **9-Month Certificate** share_certificate_9mo | — APY | 1.15% | 9 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 1.15% | 12 mo | Standard | | **18-Month Certificate** share_certificate_18mo | — APY | 1.20% | 18 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 1.25% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 1.25% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 1.30% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 1.40% | 60 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 1.50% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 1.75% | 36 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 3.00% | 60 mo | Standard | | **6 Month Silver** cd_6mo | — APY | 3.00% | 6 mo | Standard | | **6 Month Gold** cd_6mo | — APY | 3.25% | 6 mo | Standard | | **180-Month Certificate** share_certificate_180mo | — APY | 3.25% | 180 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 3.50% | 6 mo | Standard | | **Loyalty Certificate** cd | — APY | 3.50% | — | Standard | | **6 Month Platinum** cd_6mo | — APY | 3.50% | 6 mo | Standard | | **300-Month Certificate** share_certificate_300mo | — APY | 3.50% | 300 mo | Standard | | **Traditional IRA** ira | — APY | 3.69% | 6 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.69% | 6 mo | Standard | | **6 Month New Money Special** cd_6mo | — APY | 4.00% | 6 mo | Standard | Benton County Schools Credit Union savings & cd rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **15-Year - New Loan** other | — % | 6.500% | — | Standard | | **30-Year - New Loan** other | — % | 7.000% | — | Standard | Benton County Schools Credit Union other rates as of November 12, 2026 Benton County Schools Credit Union is a credit union in Oregon. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/benton-county-schools) , verified from [Benton County Schools Credit Union's official website](https://bcscu.org/) Best statewide position **#3 of 32** Personal Loan (unsecured, best offer) Percentile band **Top 10%** among comparable OR offers Products tracked **5** in this dated snapshot Best-position spread **540 bp better than state median** 50 bp from state best | Product | Published rate | State rank | State best | State median | Position vs. median | | New Auto Loan (best offer, cars) | 4.49% APR | #3 of 14 · top 22% | 3.99% | 5.24% | 75 bp better than state median | | Used Auto Loan (best offer, cars) | 4.50% APR | #3 of 14 · top 22% | 3.65% | 5.49% | 99 bp better than state median | | HELOC (best offer) | 7.00% APR | #22 of 26 · top 85% | 3.99% | 6.74% | 26 bp behind state median | | Personal Loan (unsecured, best offer) | 4.50% APR | #3 of 32 · top 10% | 4.00% | 9.90% | 540 bp better than state median | | 12-Month CD (best APY) | 1.15% APY | #14 of 16 · top 88% | 3.50% | 3.20% | 205 bp behind state median | Published rate position by comparable product on August 1, 2026 Loading branch locator… ## About Benton County Schools Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.4K Assets $70.8M Founded 1953 Locations reported 2 NCUA charter 64059 Charter type Federally insured state-chartered credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Central Willamette** Corvallis Branch · Corvallis · OR · 97330 About 4.1 miles away](https://rateapi.dev/credit-unions/oregon/central-willamette) [**First Technology** Corvallis Onsite Experience Center · Corvallis · OR · 97330 About 4.2 miles away](https://rateapi.dev/credit-unions/california/first-technology) [**Oregon State** Financial Center · Corvallis · OR · 97330-2179 About 4.2 miles away](https://rateapi.dev/credit-unions/oregon/oregon-state) [**Onpoint Community** Corvallis · Corvallis · OR · 97330 About 5.1 miles away](https://rateapi.dev/credit-unions/oregon/onpoint-community) [**Oregon Community** Corvallis 9th Street · Corvallis · OR · 97330-6141 About 5.2 miles away](https://rateapi.dev/credit-unions/oregon/oregon-community) [**Selco Community** Albany · Albany · OR · 97322 About 8.8 miles away](https://rateapi.dev/credit-unions/oregon/selco-community) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Benton County Schools Credit Union Membership eligibility from Benton County Schools Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Benton County Schools Credit Union's website. Check the membership page below to confirm whether you qualify. - Location benton, linn — OR Verified from [Benton County Schools Credit Union's membership page](https://www.bcscu.org/join) . Final membership determination is always made by the credit union. ## Membership rules for Benton County Schools Credit Union Geography 2 counties · Family 2 4 published paths to membership, last verified August 27, 2026, quoted from Benton County Schools Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Benton County, OR - Linn County, OR “Benton County Schools Credit Union is open to anyone who works for a school district, city, county, or public organization in Benton or Linn County — plus retirees, volunteers, and family members.” > [source ↗](https://www.bcscu.org/join) ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member family member “plus retirees, volunteers, and family members.” > [source ↗](https://www.bcscu.org/join) - Family member (family member) of a member - Family of someone eligible family “Benton County Schools Credit Union is open to anyone who works for a school district, city, county, or public organization in Benton or Linn County — plus retirees, volunteers, and family members.” > [source ↗](https://www.bcscu.org/join) - Family member (family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Benton County Schools Credit Union? Yes No ## Work at Benton County Schools Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Benton County Schools Credit Union ranks against Oregon peers. - See which AI assistants fetched Benton County Schools Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oregon - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=benton-county-schools&state=oregon&code=OR&name=Benton%20County%20Schools%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Benton County Schools Credit Union offer? Benton County Schools Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Benton County Schools Credit Union rates updated? RateAPI verifies Benton County Schools Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Benton County Schools Credit Union's rate data? Rate data is collected directly from Benton County Schools Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Benton County Schools Credit Union? Benton County Schools Credit Union publishes its membership criteria on its own website. RateAPI tracks 4 published membership paths covering 2 counties for Benton County Schools Credit Union, each quoted from Benton County Schools Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Benton County Schools Credit Union's rates against national credit-union benchmarks. [More Oregon credit unions](https://rateapi.dev/credit-unions/oregon) [Oregon mortgage rate leaders](https://rateapi.dev/mortgage-rates/oregon) [Oregon auto loan rate leaders](https://rateapi.dev/auto-loan-rates/oregon) [Oregon HELOC rate leaders](https://rateapi.dev/heloc-rates/oregon) [Oregon personal loan leaders](https://rateapi.dev/personal-loan-rates/oregon) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://bcscu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Benton County Schools Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oregon credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Benton County Schools Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /benton-county-schools " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Benton County Schools Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oregon/benton-county-schools Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp