Band Title
Band Subtitle
Rates
Savings, Checking, and Loans
Let us help you with your goals
Rates as of May 1, 2025
Whether you are saving for a rainy day, that perfect vacation or retirement – we have the right account for you. Let us know if you have any questions about these deposit rates, we are happy to suggest the perfect account for your needs.
Checking
| Accounts | Interest Rate | APY* | Balance |
|---|---|---|---|
| Kasasa Cash Checking1 | 0.05% 4.88% 0.25% | 0.05% (Qualifications not met) 5.00% (Qualifications met) 0.25% (Qualifications met) | N/A Up to $15,000 $15,000.01+ |
| Kasasa Cash Back Checking2 | N/A | N/A | N/A |
| Lifestyle Checking3 | 0.01% | 0.01% | |
| Refresh Checking4 | N/A | N/A | N/A |
Account Disclosures and Details
*APY = Annual Percentage Yield.
1. Minimum balance to open is $25.00. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000 in your Kasasa Cash account earn an interest rate of 4.88% resulting in an APY of 5.00% APY; and average daily balances over $15,000 earn an interest rate of 0.25% on the portion of the average daily balance over $15,000 resulting in a range from 0.53% to 5.00% APY depending on the account’s average daily balance.
2. Minimum balance to open is $25.00.
3. Minimum balance to open is $25.00. Minimum balance to earn APY is $2,000.00. Interest compounded and credited monthly.
4. Monthly fee of $10. Fee reduced to $5 if account has direct deposit OR an average daily balance of $100 is maintained in the account. The fee will never be less than $5.
Savings
| Accounts | Interest/Dividend Rate | APY* |
|---|---|---|
| Membership Share1 | 0.01% | 0.01% |
| Rainy Day Funds2 | 0.15% | 0.15% |
| Spring/Fall Club Accounts3 | 0.15% | 0.15% |
| Save to Win 4 | 0.20% | 0.20% |
| Kids Club/Freestyle5 | 0.20% | 0.20% |
| IRA Share6 | 0.30% | 0.30% |
Account Disclosure and Details
*APY = Annual Percentage Yield.
- Minimum balance to open is $5. Interest compounded and credited quarterly.
- Minimum balance to earn APY is $0.01. Interest compounded and credited monthly.
- Minimum balance to open and earn APY is $25.00. Interest compounded and credited monthly.
- OREGON RESIDENTS ONLY. For ages 18+. Minimum balance to earn APY is $0.01. Interest compounded and credited monthly.
- Minimum balance to open is $5. Minimum balance to earn APY is $0.01. Interest compound and credited quarterly.
- Minimum balance to open is $100.00. Minimum balance to earn APY is $0.01. Interest compounded and credited monthly.
Money Market
| Accounts | Account Balance | Interest Rate | APY* |
|---|---|---|---|
| Advantage + Money Market1 | $2,500 – $10,000.00 | 0.05% | 0.05% |
| $10,000.01 – $50,000.00 | 0.10% | 0.10% | |
| $50,000.01 – $150,000.00 | 0.15% | 0.15% | |
| $150,000.01 and over | 0.20% | 0.20% |
Account Disclosures and Details
*APY = Annual Percentage Yield.
- Minimum opening deposit is $2,500. Minimum balance APY is $2,500. Interest is compounded and credited monthly.
Certificates
| Accounts | Term | Interest Rate | APY* | Min Opening Balance |
|---|---|---|---|---|
| Classic/IRA Certificates1 | 6 Months | 0.75% | 0.75% | $500 |
| 12 Months | 1.00% | 1.01% | $500 | |
| 24 Months | 1.00% | 1.01% | $500 | |
| 36 Months | 1.00% | 1.01% | $500 | |
| Bump CD1 | 18 Months | 0.20% | 0.20% | $500 |
| 30 Months | 0.30% | 0.30% | $500 | |
| Kid Club Starter CD3 | 3 Months | 0.35% | 0.35% | $100 |
| New Membership Youth CD4 | 3 Months | 3.00% | 3.04% | $100 |
Account Disclosures and Details
*APY = Annual Percentage Yield
- Minimum balance to open and earn APY is $500. Interest is compounded and credited monthly.
- OREGON RESIDENTS ONLY. For ages 18+. Minimum balance to open and earn APY is $25. Interest is compounded and credited monthly. Maximum monthly deposit for certificate is $250.
- For ages 0-17. Minimum balance to open and earn APY is $100. Interest is compounded and credited monthly. Maximum deposit for CD is $500. You may have up to 3 Kids Club Starter CDs
- For ages 0-17. Minimum balance to open and earn APY is $100. Interest is compounded and credited monthly. Maximum deposit for CD is $500. Only one New Membership Youth CD is allowed and must be opened within 2 weeks of account opening.
Discontinued Accounts
| Account | Account Balance | Interest Rate | APY* |
|---|---|---|---|
| Money Fund1 (new accounts unavailable as of 10/1/2020) | $10,000.00 – $24,999.99 | 0.10% | 0.00% – 0.10% |
| $25,000 – $49,999.99 | 0.20% | 0.10% – 0.15% | |
| $50,000 and up | 0.20% | 0.15% – 0.19% |
Account Disclosures and Details
*APY = Annual Percentage Yield.
- Minimum balance to open and earn APY is $1,000.00. Interest compounded and credited monthly. The Money Fund is a Tiered Rate Account. Each Interest Rate will apply only to that portion of the account balance within each range.
- Minimum balance to earn APY is $0.01. Interest compounded and credited monthly.
New/Used Autos
| Loan Type | Terms up to | APR* |
|---|---|---|
| Fixed | 84 Months | 4.75% – 13.60% |
Loan Disclosures and Details
*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicants credit and may vary on credit worthiness, term of the loan and age of vehicle. Offer valid on purchases and vehicles refinanced from other institutions. Existing Forrit CU auto loans do not qualify. Loans are subject to credit approval. Rates quoted based on vehicles ten model years old and newer (vehicles must be five model years old and newer to qualify for terms greater than 72 months). Rates quoted do not include rate reduction for SmartWay * Vehicle designation. Rate discounts are only offered on fixed rate loans. Vehicles over 10 model years old are subject to an additional 0.50% APR more than the published rate.
New/Used RVs, Boats, ATVs, Water & Snow Craft
| Terms up to | APR* |
|---|---|
| 180 Months | 7.24% – 15.99% |
Loan Disclosures and Details
*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant’s credit and may very on credit worthiness, term of the loan and age and type of collateral. Offer valid on purchases and vehicles refinanced from other institutions. Loans are subject to credit approval. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
RV Loans: RVs include Motorhomes, 5th Wheels, Travel Trailers, Camper and Tent Trailers. Repayment terms up to 180 months, provided the RV does have a bathroom, kitchen, and sleeping quarters. For terms greater than 84 months, the loan amount must be at least $30,000. For terms greater than 144 months, the loan amount must be at least $50,000 and is subject to credit approval. For campers and tent trailers the maximum term is 84 months. Maximum loan amount is $75,000.
Boat Loans: Repayment terms up to 180 months., provided the Boat does have a bathroom, kitchen, and sleeping quarters. For terms greater than 84 months, the loan amount must be at least $30,000. For terms greater than 144 months, the loan amount must be at least $50,000 and is subject to credit approval. Maximum loan amount is $75,000.
New/Used Motorcycle
| Terms up to | APR* |
|---|---|
| 72 Months | 5.74% – 13.74% |
Loan Disclosures and Details
*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant’s credit and may very on credit worthiness, term of the loan and age and type of collateral. Offer valid on purchases and vehicles refinanced from other institutions. Existing Forrit CU auto loans do not qualify. Loans are subject to credit approval. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
Home Equity Loans
| Loan Type | Terms up to | Interest Rate as low as* | APR as low as* |
|---|---|---|---|
| Primeline1 | Revolving | 7.50% | Variable |
| Fixed Equity2 | Up to 10 years | 6.20% | 6.48% |
| Fixed Equity2 | Up to 15 years | 6.35% | 6.55% |
| Fixed Equity2 | Up to 20 years | 6.60% | 6.76% |
Loan Disclosures and Details
*APR = Annual Percentage Rate. Rates are based on credit history, lien position and combined loan to value ratio. NOTE: Upon payoff/closure of any real estate secured loan, a Deed of Trust re-conveyance fee will be collected. Fee varies by state/county. Hazard insurance will be required; flood insurance and appraisal may be required.
1. Primeline Home Equity Line of Credit: Rate is based on Wall Street Journal Prime Rate plus a margin. your margin is based on your credit worthiness. Rate can change monthly. Requires a minimum line amount of $10,000 and is not to exceed a maximum line amount of $600,000. Credit Union pays up to $300 closing costs, any amounts over are paid by the member. Should an appraisal be necessary, fee will be member’s responsibility. $35 Annual fee. $300 prepayment penalty should line be cancelled within the first 3 years. The rate will never be less than 4.00% or greater than 15.00%. At the end of your 7 year draw period you will have 5 years to repay the loan in full or refinance (subject to credit worthiness and loan value). Property must be used as primary residence and located in the states of Oregon or Washington.
2. A sample loan payment on a $50,000 First Mortgage Home Equity Loan at a rate of 6.20% with a corresponding APR of 6.48% for 10-years would be $560.10. A sample loan payment on a $50,000 First Mortgage Home Equity Loan at a rate of 6.35% with a corresponding APR of 6.55% for 15 years would be $431.41. A sample loan payment on a $50,000 First Mortgage Home Equity Loan at a rate of 6.60% with a corresponding APR of 6.76% for 20 years would be $375.71. Payments do not include amounts for taxes and insurance premiums, if applicable; actual payment obligation will be greater. Closing costs range from $350 – $3,000, depending on loan amount, loan position and appraisal costs. Underwriting approval required. Property must be located in the states of Oregon, Washington or Idaho.
Credit Cards
| Card Type | Rates | Maximum Limit* |
|---|---|---|
| Visa Platinum Rewards | 12.75% – 14.75% | $30,000.00 |
| Visa Gold | 11.95% | $15,000.00 |
| Secured Visa Gold | 11.95% | $15,000.00 |
Click here for VISA Gold and VISA Secured Gold Disclosures, Terms, and Conditions
Click here for VISA Platinum Disclosures, Terms, and Conditions
Personal Loans
| Loan Type | Terms up to | APR* |
|---|---|---|
| Personal Loan (Signature Loan) | 60 Months | 9.99% – 16.49% |
| Share Secured | 120 Months | 1.75% – 4.25% |
| Credit Builder1 | 12 Months | 3.50% |
| CD Secured2 | Maturity Date of CD | Varies |
| Lifestyle Line of Credit3 | Revolving Term | 12.00% – 20.00% |
Loan Disclosures and Details
*APR = Annual Percentage Rate. Rates are based on an evaluation of an applicant’s credit and may vary on credit worthiness. All rates are subject to change without notice. Other rates and terms available and conditions or restriction may apply.
1. Credit will be pulled for educational purposes only. Minimum loan amount is $500.00, maximum is $2,000.00. Maximum term of 12 months. Rates are subject to change without notice. Conditions or restrictions may apply.
2. Actual rate determined by current rate and term of certificate of deposit with Forrit CU plus a margin. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
3. Variable Rate – Rate is based on Wall Street Journal Prime Rate plus a margin. Your margin is based on your credit worthiness. Rate can change monthly. Annual Percentage Rates (APR) are based on an evaluation of an applicant’s credit and may vary on credit worthiness. $25 Annual Fee charged each year in February. All rates are subject to change without notice. Other rates and terms available and conditions or restrictions may apply.
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