--- title: "Oregonians Credit Union Rates: Vehicle 8.75%, Mortgage 7.03%" description: "Oregonians Credit Union rates today: 30 year fixed mortgage 7.03% APR, vehicle loans from 8.75% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Oregonians Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/oregonians" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Oregonians Credit Union Rates: Vehicle 8.75%, Mortgage 7.03% ### Mortgage rates 18 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.875% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.025% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.025% APR | 6.875% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 7.050% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.455% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.489% APR | 6.250% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.489% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.125% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.362% | — | Standard | | **10-Year Fixed** 10 year fixed | 6.462% APR | 6.125% | — | Standard | | **10-Year Fixed** 10 year fixed | — APR | 6.462% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.750% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.940% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.944% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.944% APR | 6.750% | — | Standard | | **Apply** other | — APR | 4.500% | — | Standard | | **Non-Owner Occupied Equity Loan 1** other | — APR | 7.290% | — | Standard | Oregonians Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 33 offers | Product | Published | Rate | Term / condition | Status | | **New & Used Auto Loan Rates (2022 & Newer)** auto_any_36mo | — APR | 5.360% | 36 mo · any | Standard | | **36-Month Auto Loan (2022 and Newer)** auto_any_36mo | — APR | 5.360% | 36 mo | Standard | | **Apply** auto_any_36mo | — APR | 5.360% | 36 mo | Standard | | **New & Used Auto Loan Rates (2022 & Newer)** auto_any_60mo | — APR | 5.410% | 60 mo · any | Standard | | **Apply** auto_any_60mo | — APR | 5.410% | 60 mo | Standard | | **60-Month Auto Loan (2022 and Newer)** auto_any_60mo | — APR | 5.410% | 60 mo | Standard | | **New & Used Auto Loan Rates (2022 & Newer)** auto_any_72mo | — APR | 5.450% | 72 mo · any | Standard | | **72-Month Auto Loan (2022 and Newer)** auto_any_72mo | — APR | 5.450% | 72 mo | Standard | | **Apply** auto_any_72mo | — APR | 5.450% | 72 mo | Standard | | **Apply** auto_any_84mo | — APR | 5.480% | 84 mo | Standard | | **New & Used Auto Loan Rates (2017-2021)** auto_any_36mo | — APR | 5.860% | 36 mo · any | Standard | | **36-Month Auto Loan (2017–2021)** auto_any_36mo | — APR | 5.860% | 36 mo | Standard | | **60-Month Auto Loan (2017–2021)** auto_any_60mo | — APR | 5.910% | 60 mo | Standard | | **New & Used Auto Loan Rates (2017-2021)** auto_any_60mo | — APR | 5.910% | 60 mo · any | Standard | | **New & Used Auto Loan Rates (2017-2021)** auto_any_72mo | — APR | 5.950% | 72 mo · any | Standard | | **72-Month Auto Loan (2017–2021)** auto_any_72mo | — APR | 5.950% | 72 mo | Standard | | **New & Used Auto Loan Rates (2016 & Older)** auto_any_36mo | — APR | 6.360% | 36 mo · any | Standard | | **36-Month Used Auto Loan (2016 and Older)** auto_used_36mo | — APR | 6.360% | 36 mo · used | Standard | | **New & Used Auto Loan Rates (2016 & Older)** auto_any_60mo | — APR | 6.410% | 60 mo · any | Standard | | **60-Month Used Auto Loan (2016 and Older)** auto_used_60mo | — APR | 6.410% | 60 mo · used | Standard | | **New & Used Auto Loan Rates (2016 & Older)** auto_any_72mo | — APR | 6.450% | 72 mo · any | Standard | | **72-Month Used Auto Loan (2016 and Older)** auto_used_72mo | — APR | 6.450% | 72 mo · used | Standard | | **Bicycle & Electric Bike** auto_any_36mo | — APR | 6.910% | 36 mo | Standard | | **Motorcycles (>1000cc)** motorcycle_any_60mo | — APR | 7.910% | 60 mo | Standard | | **Toy Loans 2** auto_any_36mo | — APR | 8.250% | 36 mo | Standard | | **RV 1** rv_any_36mo | — APR | 8.250% | 36 mo | Standard | | **RV 1** rv_any_120mo | — APR | 8.500% | 120 mo | Standard | | **RV 1** rv_any_144mo | — APR | 8.750% | 144 mo | Standard | | **RV 1** rv | 8.750% APR | 8.500% | — | Standard | | **Motorcycles (<1000cc)** motorcycle_any_60mo | — APR | 8.910% | 60 mo | Standard | | **RV 1** rv_any_72mo | — APR | 9.000% | 72 mo | Standard | | **First-Time Auto Buyer Loan Rates (First Time Auto Buyer)** auto_any_72mo | — APR | 12.110% | 72 mo | Standard | | **First Time Auto Buyer** auto_any_120mo | — APR | 12.110% | 120 mo | Standard | Oregonians Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 11 offers | Product | Published | Rate | Term / condition | Status | | **HELOC Rates (Non-Owner Occupied HELOC)** heloc_variable | — APR | 4.500% | — | Standard | | **Home Equity Balloon 1** heloc | — APR | 7.000% | — | Standard | | **Home Equity Loan 1** heloc_fixed | — APR | 7.040% | — | Standard | | **Non-Owner Occupied Home Equity Balloon 1** heloc | — APR | 7.250% | — | Standard | | **Home Equity Loan Fixed Rates* (Home Equity Loan 1)** heloc_fixed | — APR | 7.290% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.500% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 7.500% | — | Standard | | **Non-Owner Occupied HELOC** heloc_variable | — APR | 7.500% | — | Standard | | **Home Equity Loan Fixed Rates* (Non-Owner Occupied Equity Loan 1)** heloc_fixed | — APR | 7.540% | — | Standard | | **Equity Balloon Loan Fixed Rates* (Home Equity Balloon 1)** heloc_fixed | — APR | 7.620% | — | Standard | | **Equity Balloon Loan Fixed Rates* (Non-Owner Occupied Home Equity Balloon 1)** heloc_fixed | — APR | 7.870% | — | Standard | Oregonians Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Home Improvement 1** personal_unsecured_120mo | — APR | 9.040% | 120 mo | Standard | | **84-Month Personal Line of Credit** ploc_variable | — APR | 11.900% | 84 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 11.900% | 60 mo | Standard | Oregonians Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 67 offers | Product | Published | Rate | Term / condition | Status | | **High-Yield Checking (Standard Rate)** checking | — APY | 0.02% | — | Standard | | **Standard Rate** savings | — APY | 0.02% | — | Standard | | **3.75% APY* on balances up to $100,000 (Standard Rate)** cd_60mo | — APY | 0.02% | 60 mo | Standard | | **Saver Hounds Club (Over $500)** savings | — APY | 0.09% | — | Standard | | **Business Checking** checking | — APY | 0.13% | — | Eligibility restricted | | **Open Now** savings | — APY | 0.13% | — | Standard | | **Saver Hounds Club (Up to $500)** savings | — APY | 0.19% | — | Standard | | **3.75% APY* on balances up to $100,000 (High-Yield Tier 2 Rate)** cd_60mo | — APY | 0.50% | 60 mo | Standard | | **High-Yield Tier 2 Rate** savings | — APY | 0.50% | — | Standard | | **High-Yield Checking (High-Yield Tier 2 Rate)** checking | — APY | 0.50% | — | Standard | | **Up to 84-Month Certificate (Up to $2,500)** cd_84mo | — APY | 0.71% | 84 mo | Standard | | **Features and Benefits (Up to $2,500)** savings | — APY | 0.71% | — | Standard | | **Features and Benefits ($2,501 - $10,000)** savings | — APY | 0.87% | — | Standard | | **Open Now** savings | — APY | 0.87% | — | Standard | | **84-Month Certificate ($2,501–$10,000)** cd_84mo | — APY | 0.87% | 84 mo | Standard | | **Features and Benefits ($10,001 - $25,000)** savings | — APY | 0.95% | — | Standard | | **Open Now** savings | — APY | 0.95% | — | Standard | | **84-Month Certificate ($10,001–$25,000)** cd_84mo | — APY | 0.95% | 84 mo | Standard | | **Features and Benefits (Over $25,000)** savings | — APY | 1.11% | — | Standard | | **84-Month Certificate ($25,000+)** cd_84mo | — APY | 1.11% | 84 mo | Standard | | **120-Month Certificate ($25,000+)** cd_120mo | — APY | 1.12% | 120 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.05% | 3 mo | Standard | | **3 Months** cd_60mo | — APY | 3.05% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.05% | 6 mo | Standard | | **6 Months** cd_60mo | — APY | 3.05% | 60 mo | Standard | | **3 Months** cd_84mo | — APY | 3.10% | 84 mo | Standard | | **6 Months** cd_84mo | — APY | 3.10% | 84 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 3.15% | 3 mo | Standard | | **3-Month IRA Certificate** ira_cd_3mo | — APY | 3.15% | 3 mo | Standard | | **6-Month IRA Certificate** ira_cd_6mo | — APY | 3.15% | 6 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.15% | 6 mo | Standard | | **Bump Certificates (48 Months)** cd_48mo | — APY | 3.24% | 48 mo | Standard | | **48 Months** cd_60mo | — APY | 3.24% | 60 mo | Standard | | **Bump Certificate Rates (48 Months)** cd_48mo | — APY | 3.24% | 48 mo | Standard | | **48 Months** cd_72mo | — APY | 3.29% | 72 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.44% | 12 mo | Standard | | **12 Months** cd_60mo | — APY | 3.44% | 60 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.44% | 48 mo | Standard | | **36 Months** cd_60mo | — APY | 3.48% | 60 mo | Standard | | **Bump Certificates (36 Months)** cd_36mo | — APY | 3.48% | 36 mo | Standard | | **Bump Certificate Rates (36 Months)** cd_36mo | — APY | 3.48% | 36 mo | Standard | | **12 Months** cd_84mo | — APY | 3.50% | 84 mo | Standard | | **36 Months** cd_72mo | — APY | 3.54% | 72 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.54% | 12 mo | Standard | | **12-Month IRA Certificate** ira_cd_12mo | — APY | 3.54% | 12 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.64% | 48 mo | Standard | | **48-Month IRA Certificate** ira_cd_48mo | — APY | 3.64% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.68% | 36 mo | Standard | | **3.75% APY* on balances up to $100,000 (High-Yield Tier 1 Rate)** cd_60mo | — APY | 3.68% | 60 mo | Standard | | **High-Yield Tier 1 Rate** savings | — APY | 3.68% | — | Standard | | **36 Months** cd_84mo | — APY | 3.75% | 84 mo | Standard | | **3.75% APY* on balances up to $100,000 (High-Yield Tier 1 Rate)** cd_72mo | — APY | 3.75% | 72 mo | Standard | | **24 Months** cd_60mo | — APY | 3.77% | 60 mo | Standard | | **Bump Certificates (24 Months)** cd_24mo | — APY | 3.77% | 24 mo | Standard | | **Bump Certificate Rates (24 Months)** cd_24mo | — APY | 3.77% | 24 mo | Standard | | **24 Months** cd_72mo | — APY | 3.84% | 72 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.88% | 36 mo | Standard | | **36-Month IRA Certificate** ira_cd_36mo | — APY | 3.88% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.97% | 24 mo | Standard | | **24 Months** cd_84mo | — APY | 4.05% | 84 mo | Standard | | **24-Month IRA Certificate** ira_cd_24mo | — APY | 4.07% | 24 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 4.07% | 24 mo | Standard | | **High-Yield Checking (High-Yield Tier 1 Rate)** checking | — APY | 5.84% | — | Standard | | **Checking Comparison (Earns Cash Back)** checking | — APY | 6.00% | 36 mo | Standard | | **Earns Cash Back** savings | — APY | 6.00% | — | Standard | | **Earns Interest** savings | — APY | 6.00% | — | Standard | | **Checking Comparison (Earns Interest)** checking | — APY | 6.00% | 60 mo | Standard | Oregonians Credit Union savings & cd rates as of November 13, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Loan** other | — % | 8.250% | — | Standard | Oregonians Credit Union other rates as of November 13, 2026 As of November 13, 2026, Oregonians Credit Union offers a 30-year fixed mortgage at 7.025% APR (1 points). Vehicle loans available from 8.75% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/oregonians) , verified from [Oregonians Credit Union's official website](https://www.oregonianscu.com/) Best product position **Better than the Oregon median** 30-year fixed mortgage Gap to state best **5 bp** 5 bp from state best Vs. state median **12 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Oregon markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.03% | Better than the Oregon median | 5 bp from state best | 12 bp better than median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Oregonians Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=oregonians&state=oregon&code=OR&name=Oregonians%20Credit%20Union) Loading branch locator… ## About Oregonians Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 18.2K Assets $341.7M Founded 1937 Locations reported 7 NCUA charter 68669 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - 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. [**Embold** Admin Branch · Milwaukie · OR · 97267 About 0.9 miles away](https://rateapi.dev/credit-unions/oregon/embold) [**Hapo Community** Jennings Lodge · Milwaukie · OR · 97267 About 1.0 miles away](https://rateapi.dev/credit-unions/washington/hapo-community) [**Onpoint Community** Oak Grove · Milwaukie · OR · 97267 About 1.1 miles away](https://rateapi.dev/credit-unions/oregon/onpoint-community) [**NW Priority** Milwaukie · Milwaukie · OR · 97267-6735 About 1.5 miles away](https://rateapi.dev/credit-unions/oregon/nw-priority) [**Cutting Edge** Milwaukie · Milwaukie · OR · 97222 About 1.9 miles away](https://rateapi.dev/credit-unions/oregon/cutting-edge) [**Machinists - Boilermakers** Machinists-Boilermakers FCU · Gladstone · OR · 97027 About 2.4 miles away](https://rateapi.dev/credit-unions/oregon/machinists-boilermakers) 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 Oregonians Credit Union Membership eligibility from Oregonians Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Oregonians Credit Union's website. Check the membership page below to confirm whether you qualify. - Location multnomah, clackamas, washington, crook, benton, columbia, deschutes, jefferson, lane, linn, marion, polk, yamhill — OR Verified from [Oregonians Credit Union's membership page](https://www.oregonianscu.com/about-oregonians) . Final membership determination is always made by the credit union. ## Membership rules for Oregonians Credit Union Geography 13 counties · Family 40 published paths to membership, last verified November 8, 2026, quoted from Oregonians Credit Union’s own published criteria. ### Geography 13 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Benton County, OR - Clackamas County, OR - Columbia County, OR - Crook County, OR - Deschutes County, OR - Jefferson County, OR - Lane County, OR - Linn County, OR - Marion County, OR - Multnomah County, OR - Polk County, OR - Washington County, OR - Yamhill County, OR “Eligible counties Multnomah Clackamas Washington Crook Benton Columbia Deschutes Jefferson Lane Linn Marion Polk Yamhill” > [source ↗](https://www.oregonianscu.com/about-oregonians) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member grandparent, parent, spouse, child, stepchildren, grandchild, sibling, half-siblings, aunts, uncles, domestic partner “*Qualifying members of the immediate family includes grandparents, parents, spouse, children, stepchildren, grandchildren, siblings, half-siblings, aunts, uncles, and domestic partners of an Oregonians member in good standing.” > [source ↗](https://www.oregonianscu.com/about-oregonians) - Family member (grandparent, parent, spouse, child, stepchildren, grandchild, sibling, half-siblings, aunts, uncles, domestic partner) of a member 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 Oregonians Credit Union? Yes No ## Work at Oregonians 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 Oregonians Credit Union ranks against Oregon peers. - See which AI assistants fetched Oregonians 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=oregonians&state=oregon&code=OR&name=Oregonians%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Oregonians Credit Union offer? Oregonians Credit Union currently offers mortgage, vehicle loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Oregonians Credit Union rates updated? RateAPI verifies Oregonians Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Oregonians Credit Union's rate data? Rate data is collected directly from Oregonians Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Oregonians Credit Union's mortgage rate? As of November 13, 2026, Oregonians Credit Union offers a 30-year fixed mortgage at 7.025% APR. ### What are Oregonians Credit Union's auto, rv & motorcycle loan rates? As of November 13, 2026, Oregonians Credit Union offers vehicle loans from 8.75% APR. ### Who can join Oregonians Credit Union? Oregonians Credit Union publishes its membership criteria on its own website. RateAPI tracks 40 published membership paths covering 13 counties for Oregonians Credit Union, each quoted from Oregonians Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Oregonians 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) [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://www.oregonianscu.com/) ### 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 Oregonians 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 Oregonians Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /oregonians " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Oregonians Credit Union locations Search, filter, and browse all 7 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/oregonians Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp