PERSONAL LENDING & DEPOSIT RATES

Fee Schedule

CONSUMER-FEES-SCHEDULE.pdf

Business Fee Schedule PDF

Note

• Approved APR on loans will be 0.25% higher than the above APRs if you do not have autopay. 
• Approved APR on loans will be 0.25% higher than the above APRs if you do not receive your monthly statement via eStatements.
• The new Flex 12 CDx is currently available to new and existing members.

Disclosures

*Available term on Consumer Loans is based on amount borrowed and credit qualifications. 

** The Annual Percentage Rate shown is a range of rates that may apply based upon your credit qualifications and other pricing factors. The Periodic Rate and ANNUAL PERCENTAGE RATE (for fixed rate loans), or the margin added to the index to determine the ANNUAL PERCENTAGE RATE (for variable rate loans), that will apply to your account may be based on a number of criteria, including your employment and residential status, current debt ratio, and your past credit experience. 

*** For savings secured loans and Credit Builder, the ANNUAL PERCENTAGE RATE is fixed. Your ANNUAL PERCENTAGE RATE will be disclosed on the Funds Advance Voucher provided at the time your loan account is open. 

****For Certificate secured loans, your ANNUAL PERCENTAGE RATE is variable based on the interest paid on the certificate account, plus 3.00 percentage points. Your ANNUAL PERCENTAGE RATE will be disclosed on the Funds Advance Voucher provided at the time your loan account is open. 

*****Flex 12 Certificates. Product has been discontinued, existing certificates only. APY=Annual Percentage Yield. Above is the variable Dividend Rate and variable APY for Flex Certificate Accounts and IRA Flex Certificate Accounts. The variable Dividend Rate and APY are effective 07/01/2025 through 09/30/2025. The minimum to open a 12-month term Flex Certificate Account or IRA Flex Certificate Account and earn the stated APY is $750. Subsequent deposits can be added at a minimum of $2500 or more per deposit. The APY is determined by adding .25% to the 3-month Treasury Bill auction investment rate, as published in the Wall Street Journal, on or about the 26th day of the last month of each quarter. The Flex12 CD rate will be effective on the first business day of the next quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate is subject to change after account opening. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. All accounts are subject to the applicable terms and conditions set forth in the Truth in Savings Disclosure, Membership and Account Agreement, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Membership and Account Agreement references.

******APY=Annual Percentage Yield. Above is the variable Dividend Rate and variable APY for Flex12 CDx Accounts and IRA Flex12 CDx Accounts. The variable Dividend Rate and APY are effective 07/01/2025 through 09/30/2025. The minimum to open a 12-month term Flex Certificate Account or IRA Flex Certificate Account and earn the stated APY is $750. Subsequent deposits can be added at a minimum of $2500 or more per deposit. The APY is determined by  the 3-month Treasury Bill auction investment rate on or about the 26th day of the last month of each quarter. The Flex12 CDx rate will be effective on the first business day of the next quarter. The dividend rate is subsequently calculated based on the indexed APY. Rate is subject to change after account opening. Fees or other conditions could reduce earnings on the account. Substantial penalty imposed for early withdrawal. All accounts are subject to the applicable terms and conditions set forth in the Truth in Savings Disclosure and Account Agreement, Disclosure and Account Agreement for Certificates and IRA Certificates, the Fee Schedule, and any agreement to which the Truth in Savings Disclosure and Account Agreement references.

Premier Choice Checking Account. *Earn our bonus interest rate and receive up to $15 monthly ATM fee reimbursements on your Premier Choice Checking account when you meet the following criteria each calendar month:

•    Complete at least 15 debit card transactions.

•    Enroll in and maintain monthly e-statements.

•    Have at least one direct deposit or ACH transaction.

The bonus interest rate* and ATM fee reimbursement apply only to the first $15,000 average balance each month. Any portion of the account balance exceeding $15,000 earns our standard interest rate, if applicable. When monthly criteria are not met, the account earns 0% interest, and ATM fee reimbursements are not provided. Note: Minimum debit card transactions includes only cleared debit card transactions. *Rates are variable and are subject to change without notice. See our published Rate and Fee Schedule at www.centralwcu.org for more information. Criteria must be met each month to qualify for bonus rate and ATM fee credits..

Central Willamette Credit Union may offer other rates at any time. 

For Real Estate Loan rates, call (541) 918-7424 or (800) 950-4536 toll free. 

A default Annual Percentage Rate of 24.00% will be applied to all revolving loans (Personal Line of Credit) that become 60 days past due. This default rate remains in effect until the loan has a positive repayment history for 180 days with no delinquency greater than 10 days. The Credit Union may offer other rates in the future. 

Early Withdrawal Penalty for Certificates of Deposit: We may impose a penalty if you withdraw any of the principal before the maturity date. Any bonuses paid will be forfeit in the event of early principal withdrawal or account closure. 

1. Amount of Penalty. The amount of the early withdrawal penalty is a forfeiture of interest equal to one half of the original term of the accounts interest. FEDERALLY INSURED BY NCUA 
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal. 
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances.
   1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. 
   2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple interest earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 70½ or becomes disabled.

Membership requirements apply.