--- title: "Rivermark Community Credit Union: #1 Mortgage in Oregon" description: "Rivermark Community Credit Union has the lowest tracked 30-year fixed mortgage rate in Oregon (6.98% APR) among 8 credit unions we verify. Rivermark Community Credit Union rates today: 30 year fixed mortgage 6.98% APR, personal loans from 10.45% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Rivermark Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/rivermark-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Rivermark Community Credit Union: #1 Mortgage in Oregon ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | — APR | 6.831% | — | Standard | | **30-Year Fixed** 30 year fixed | — APR | 6.977% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.977% APR | 6.875% | — | Standard | | **15-Year Fixed** 15 year fixed | — APR | 6.250% | — | Standard | | **5/6 ARM** 5 1 arm | — APR | 5.750% | — | Standard | | **7/6 ARM** 7 1 arm | — APR | 5.875% | — | Standard | | **10/6 ARM** 10 1 arm | — APR | 6.250% | — | Standard | | **20-Year Fixed** 20 year fixed | — APR | 6.500% | — | Standard | | **10/6 ARM** 10 1 arm | 6.721% APR | 6.250% | — | Standard | | **100% First Time Home Buyer 5/6 ARM** 5 1 arm | 7.092% APR | 6.375% | — | Standard | | **100% First Time Home Buyer** other | — APR | 7.092% | — | Standard | Rivermark Community Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan (2022 and Newer)** auto | — APR | 6.240% | — | Standard | Rivermark Community Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.240% | — | Standard | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.320% | — | Standard | Rivermark Community Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 6.250% | — | Standard | | **Start Personal Loan** personal_unsecured | 10.450% APR | 10.450% | — | Standard | Rivermark Community Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 9.150% | — | Standard | Rivermark Community Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **$10,000 - $24,999.99** savings | — APY | 0.05% | — | Standard | | **Requirements not met** savings | — APY | 0.05% | — | Standard | | **$25,000-$99,999.99** savings | — APY | 0.05% | — | Standard | | **$0.01 - $9,999.99** savings | — APY | 0.05% | — | Standard | | **Daily Balance is $25,000.01 or more** savings | — APY | 0.05% | — | Standard | | **IRA** ira | — APY | 0.10% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.90% | 6 mo | Standard | | **10 Month Loyalty CD** cd_10mo | — APY | 4.15% | 10 mo | Standard | | **Daily Balance is between $0.01 and $25,000** savings | — APY | 4.41% | — | Standard | | **Holiday Closure:** savings | — APY | 4.50% | — | Standard | | **Loyalty Checking** checking | — APY | 4.50% | — | Standard | Rivermark Community Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Rivermark Community Credit Union offers a 30-year fixed mortgage at 6.977% APR (0.435 points). Personal loan rates from 10.45% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/rivermark-community) , verified from [Rivermark Community Credit Union's official website](https://www.rivermarkcu.org/) Best product position **#1 of 8** 30-year fixed mortgage Gap to state best **0 bp** State market leader Vs. state median **16 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Oregon markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.98% | #1 of 8 · lowest in Oregon | State market leader | 16 bp better than median | | personal loan | 10.45% | #1 of 16 · lowest in Oregon | State market leader | 21 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Rivermark Community 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=rivermark-community&state=oregon&code=OR&name=Rivermark%20Community%20Credit%20Union) Loading branch locator… ## About Rivermark Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 175.9K Assets $3.2B Founded 1951 Locations reported 21 NCUA charter 65644 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 - First-time homebuyer program - Bilingual services - Credit-builder products 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. [**Marion and Polk Schools** Oregon City Branch and Administration Center · Oregon City · OR · 97045 Branch in the same ZIP](https://rateapi.dev/credit-unions/oregon/marion-and-polk-schools) [**Onpoint Community** Oregon City · Oregon City · OR · 97045 About 2.0 miles away](https://rateapi.dev/credit-unions/oregon/onpoint-community) [**Oregonians** 11 - Oregon City Branch · Oregon City · OR · 97045 About 2.3 miles away](https://rateapi.dev/credit-unions/oregon/oregonians) [**Embold** Oregon City Branch · Oregon City · OR · 97045-4044 About 3.1 miles away](https://rateapi.dev/credit-unions/oregon/embold) [**Machinists - Boilermakers** Machinists-Boilermakers FCU · Gladstone · OR · 97027 About 4.7 miles away](https://rateapi.dev/credit-unions/oregon/machinists-boilermakers) [**NW Priority** Milwaukie · Milwaukie · OR · 97267-6735 About 5.8 miles away](https://rateapi.dev/credit-unions/oregon/nw-priority) 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 Rivermark Community Credit Union Membership eligibility from Rivermark Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Rivermark Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location benton, clackamas, clatsop, columbia, coos, crook, curry, deschutes, douglas, gilliam, hood river, jackson, jefferson, josephine, klamath, lane, lincoln, linn, marion, multnomah, polk, sherman, tillamook, wasco, washington, wheeler, yamhill — OR, WA Verified from [Rivermark Community Credit Union's membership page](https://www.rivermarkcu.org/discover/join) . Final membership determination is always made by the credit union. ## Membership rules for Rivermark Community Credit Union Geography 27 counties · Family 62 published paths to membership, last verified August 22, 2026, quoted from Rivermark Community Credit Union’s own published criteria. ### Geography 30 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Benton County, OR - Clackamas County, OR - Clatsop County, OR - Columbia County, OR - Coos County, OR - Crook County, OR - Curry County, OR - Deschutes County, OR - Douglas County, OR - Gilliam County, OR - Hood River County, OR - Jackson County, OR - Jefferson County, OR - Josephine County, OR - Klamath County, OR - Lane County, OR - Lincoln County, OR - Linn County, OR - Marion County, OR - Multnomah County, OR - OR - Polk County, OR - Portland Metro Area, OR - Sherman County, OR - Tillamook County, OR - WA - Wasco County, OR - Washington County, OR - Wheeler County, OR - Yamhill County, OR “If you live in western Oregon or anywhere in Washington state, you’re ready to be a member.” > [source ↗](https://www.rivermarkcu.org/discover/join) Show all 30 places ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 22, 2026 - Family of a member spouses, parents, grandparents, children, grandchildren, siblings, aunts, uncles, cousins, half-siblings, step-siblings, step-parents, step-grandparents “You’re related to someone who fits one of the two criteria above. Relatives include spouses, parents, grandparents, children, grandchildren, siblings, aunts, uncles, and cousins. Also included are half-siblings, step-siblings, step-parents, and step-grandparents.” > [source ↗](https://www.rivermarkcu.org/discover/join) - Family member (spouses, parents, grandparents, children, grandchildren, siblings, aunts, uncles, cousins, half-siblings, step-siblings, step-parents, step-grandparents) 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 Rivermark Community Credit Union? Yes No ## Work at Rivermark Community 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 Rivermark Community Credit Union ranks against Oregon peers. - See which AI assistants fetched Rivermark Community 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=rivermark-community&state=oregon&code=OR&name=Rivermark%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Rivermark Community Credit Union offer? Rivermark Community Credit Union currently offers mortgage, Auto 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 Rivermark Community Credit Union rates updated? RateAPI verifies Rivermark Community 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 Rivermark Community Credit Union's rate data? Rate data is collected directly from Rivermark Community 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 Rivermark Community Credit Union's mortgage rate? As of November 12, 2026, Rivermark Community Credit Union offers a 30-year fixed mortgage at 6.977% APR. ### What is Rivermark Community Credit Union's personal loan rate? As of November 12, 2026, Rivermark Community Credit Union offers personal loans from 10.45% APR. ### Who can join Rivermark Community Credit Union? Rivermark Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 62 published membership paths covering 27 counties for Rivermark Community Credit Union, each quoted from Rivermark Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Rivermark Community 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://www.rivermarkcu.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 Rivermark Community 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 Rivermark Community Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /rivermark-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Rivermark Community Credit Union locations Search, filter, and browse all 21 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/rivermark-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp