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Checking Accounts

Product

Maximum Daily Balance

Minimum Daily Balance

APY1

Rates effective as of November 2, 2020

Clackamas Connect

N/A

N/A

0.000%

Clackamas Core

N/A

N/A

0.000%

Clackamas Plus

$15,000.00

N/A

2.275%

Rewards

N/A

N/A

0.000%
Regular Savings Accounts

Product

Min. Daily Balance

APY1

Rates effective as of November 2, 2020

Savings

$0.00

0.050%

Youth Savings (Cub Accounts & Student Savers)

$0.00

0.050%

Club Account

$0.00

0.250%

Money Market $0.01 - $4,999.99

$0.00

0.030%

Money Market $5,000.00 - $9,999.99

$5,000.00

0.100%

Money Market $10,000.00 - $24,999.99

$10,000.00

0.125%

Money Market $25,000.00 - $49,999.99

$25,000.00

0.150%

Money Market $50,000.00 +

$50,000.00

0.180%
Share Certificate Accounts

Product

Min. Daily Balance

APY1

Member Perks APY1,3

Rates effective as of November 20, 2020

12 Month Certificate

$500.00

0.300%

0.450%

24 Month Certificate

$500.00

0.400%

0.550%

36 Month Certificate

$500.00

0.450%

0.600%

48 Month Certificate

$500.00

0.550%

0.700%

60 Month Certificate

$500.00

0.600%

0.750%
Traditional IRA & Roth IRA Certificate

Product

Min. Daily Balance

APY1

Member Perks APY1,3

Rates effective as of November 20, 2020

12 Month Certificate

$500.00

0.300%

0.450%

24 Month Certificate

$500.00

0.400%

0.550%

36 Month Certificate

$500.00

0.450%

0.600%

48 Month Certificate

$500.00

0.550%

0.700%

60 Month Certificate

$500.00

0.600%

0.750%
Retirement: IRA, SEP IRA, and Roth Accounts

Balance

Min. Daily Balance

APY1

Rates effective as of November 2, 2020

$0.01 - $4,999.99

$0.01

0.070%

$5,000.00 - $24,999.99

$5,000.00

0.120%

$25,000.00 - $49,999.99

$25,000.00

0.140%

$50,000.00 + 

$50,000.00

0.160%
Education: Coverdell ESA Accounts

Balance

Min. Daily Balance

APY1

Rates effective as of November 2, 2020

$0.01 - $4,999.99

$0.01

0.070%

$5,000.00 - $24,999.99

$5,000.00

0.120%

$25,000.00 - $49,999.99

$25,000.00

0.140%

$50,000.00 + 

$50,000.00

0.160%
Visa Credit Cards

Product

APR2 as low as

Platinum Visa rates effective as of May 1, 2019

Rewards Visa rates effective as of March 18, 2020

Platinum Visa

12.50% (fixed)

Rewards Visa

10.49% (variable)
Mortgage and Refinance

Please note, our response times may take longer than usual as we are currently experiencing a high volume of mortgage inquires. We appreciate your patience during this time.

Are you thinking about buying your dream home? Or perhaps you are looking to upgrade your existing home to align with your dreams. In either case, Clackamas is in your corner. We’ll work to understand your needs and guide you through your purchase or refinance. At Clackamas, you can count on straightforward answers and honest service.

Equity Lines

Product

Variable APR2 as low as

Rates effective as of January 19, 2021

HELOCK (home equity line of credit): LTV up to 90%

3.49%

RELOC (rental equity line of credit): LTV up to 75%

5.49%
Auto Loan Rates

Product

APR2 as low as

Member Perks APR2,3

Rates effective as of January 19, 2021

New Autos

2.09%

1.84%

Used Autos

2.19%

1.94%

RVs

4.75%

4.50%

Boats

3.49%

3.24%

Motorcycles

4.75%

4.50%

ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.)

5.75%

5.50%
Personal Loans and Lines

Product

APR2 as low as

Member Perks APR2,3

Rates effective as of January 19, 2021

Share Secured Loan4

3.10%

N/A

Personal Loan

9.75%

9.50%

Personal Line of Credit

8.50%

N/A

Payday Alternative Loan

15.00%

N/A
Consolidation Loans

Product

APR2 as low as

Member Perks APR2,3

Rates effective as of January 19, 2021

Consolidation Loans

2.50%

2.25%
Business Product Offerings

Looking for something more specific for your business? At Clackamas, our team works closely with you to determine the best products to fit your needs. We take the time to get to know our business members and evaluate each business individually. We offer a wide variety of credit products to meet the unique needs of each business.

Please reach out to our business services team by calling (503) 496-3580 for more information.
Business Loan Rates

Product

APR2 as low as

Member Perks APR2,3

Rates effective as of February 2, 2020 — Give us a call for additional loan options

3 Year ​Real Estate - Owner Occupied (variable)

3.85%

N/A

10 Year Real Estate - Owner Occupied (variable)

4.75%

N/A

3 Year Real Estate - Non-Owner Occupied (variable)

3.85%

N/A

​10 Year Real Estate - Non-Owner Occupied (variable)

4.75%

N/A

Business Line of Credit - Unsecured

8.75%

N/A

Business Line of Credit - All Business Assets

7.00%

N/A

5 Year ​Unsecured Term Loans (fixed)

9.04%

8.79%

​5 Year Term Loans - Equipment/Machinery (fixed)

3.75%

N/A

​5 Year Term Loans - All Business Assets (fixed)

4.75%

N/A

Business Credit Card (variable)

8.50%

N/A

Business Rewards Credit Card (variable)

13.24%

N/A
Business Checking Accounts

Product

Minimum Daily Balance

Maximum Daily Balance

APY1

Member Perks APY 1,3

Rates effective as of November 2, 2020

Clackamas Business Core

N/A

N/A

0.000%

N/A

Clackamas Business Plus

N/A

$15,000

2.275%

N/A

Clackamas Business Rewards

N/A

N/A

0.000%

N/A
Business Deposit Accounts

Product

Min. Daily Balance

APY1

Member Perks APY1,3

Share Savings & Money Market rates effective as of November 2, 2020

Share Certificate rates effective as of November 20, 2020

Business Primary Share

$0.00

0.100%

N/A

Business Money Market $0.01 - $4,999.99

$0.00

0.020%

N/A

Business Money Market $5,000.00 - $9,999.99

$5,000.00

0.080%

N/A

Business Money Market $10,000.00 - $24,999.99

$10,000.00

0.100%

N/A

Business Money Market $25,000.00 - $49,999.99

$25,000.00

0.125%

N/A

Business Money Market  $50,000.00 +

$50,000.00

0.160%

N/A

Business 12 Month Share Certificate

$500.00

0.300%

0.450%

Business 24 Month Share Certificate

$500.00

0.400%

0.550%

Business 36 Month Share Certificate

$500.00

0.450%

0.600%

Business 48 Month Share Certificate

$500.00

0.550%

0.700%

Business 60 Month Share Certificate

$500.00

0.600%

0.750%
Disclosures

1) APY: Annual Percentage Yield. The percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period.
2) APR: Annual Percentage Rate. All Annual Percentage Rates are tiered based upon credit worthiness of the borrowers and other criteria
3) Member Perks: On your fourth product, take advantage of a .15% rate increase on Share Certificates or .25% decrease on fixed rate and term loans. Required products include: a savings account, a checking account, and one additional deposit or loan product.
4) Share Secured Loan: A loan secured by specific funds in a savings account. This Annual Percentage Rate (APR) is determined by the current dividend rate being paid on the share accounts offered as security, plus 3.00%.
5) Business Loan Secured by Real-Estate: Maximum maturity = 15 years. Maximum amortization = 25 years. Interest rates are based on a spread over an index with the spread amount based on risk rating. The business loan index for all loans, except long term business loans secured by real estate, is the Wall Street Journal Prime Rate. The index for long term business loans secured by real estate is the Federal Home Loan Bank of Des Moines Prepayable Loan Index.
6) Rate without automatic payment from checking is 15% APR. All loans subject to minimum qualifications. Must be member in good standing previous 12months. Rate and loan available now through January 11th, 2021 or as determined by credit union management. If payments not received exactly as scheduled, your final payment will reflect that. One loan per member.

Clackamas Federal Credit Union is registered with the National Mortgage Licensing System (NMLS #709344). Visit NMLS Consumer Access to confirm our registration and that of our Mortgage Loan Originators. NMLS Consumer AccessSM, is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state.

Share Account Rates & Disclosure
Business Account Rates & Disclosure
Share Certificate Rates & Disclosure
Platinum Visa Application Disclosure
Rewards Visa Application Disclosure
Loan Rates & Disclosure

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