Checking Accounts

Product

Maximum Daily Balance

Minimum Daily Balance

APY1

Rates effective as of May 31st, 2021

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 May 31st, 2021

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 May 31st, 2021

$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 May 31st, 2021

$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 April 5, 2021

Rewards Visa rates effective as of April 5, 2021

Platinum Visa

12.50% (fixed)

Rewards Visa

10.49% (variable)

Mortgage and Refinance

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 August 3, 2021

HELOC (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 August 3, 2021

New Autos

2.17%

1.92%

Used Autos

3.12%

2.87%

RVs

4.12%

3.87%

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 August 3, 2021

Share Secured Loan4

3.05%

N/A

Personal Loan

9.75%

9.50%

Personal Line of Credit

8.50%

N/A

Payday Alternative Loan

15.00%

N/A

Summertime Loan6

6.75%

6.50%

Consolidation Loans

Product

APR2 as low as

Member Perks APR2,3

Rates effective as of August 3, 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 July 7, 2021 — 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)

9.44%

9.19%

​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 May 31st, 2021

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 May 31st, 2021

Share Certificate rates effective as of November 20th, 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%

Fees

Description

Fee Amount/Monthly Fee

Additional Information

Overdraft Transfer Fee

Free

For automatic transfers to checking from a share account to avoid an overdrawn account.

Statement Copy

$1.00 per page

Paper Statement Fee

$3.00

Fee applies to consumer and business Plus and Rewards checking accounts. Fee is waived when enrolled in Electronic Statements.

Temporary Check Fee

$4.00 per sheet of 4 checks

Club Account Withdrawal Fee

$5.00 each

For withdrawals made prior to annual payout.

Corporate Check Fee

$5.00 per check

No fee for checks issued to the owner of the account from which funds are drawn.

Copy of a Corporate Check

$5.00 per check

Copy of Cleared Check

$5.00 per item

View online for free.

Copy of Deposited Check

$5.00 per item

Non-Member Check Cashing Fee

$5.00

Fee applies when cashing checks drawn off of Clackamas.

Par Share - Credit Union Membership

$5.00 minimum balance

Required for all membership accounts.

Copy of Visa Debit/Credit Card Purchase

$10.00 per item

Inactive Fee

$10.00 per month

Charged on share accounts with no activity for greater than 365 days where there are no other accounts or loans under that account record and the account has less than $100 dollars.

Returned Mail/Unknown Address

$10.00

Non-Sufficient Funds (NSF)

$12.00

Fee applies to any item returned due to insufficient available funds.

Overdraft Fee

$12.00

Fee applies to any item paid from a negative checking account balance.

Returned Check Deposit Fee

$12.00 per item

Returned Payment Fee

$12.00 per item

Stop Payment

$12.00 per item

Fee applies to ACH and check withdrawals.

Account Research/Reconciliation

$25.00 per hour

Wire Transfer - Domestic
Incoming
Outgoing

 

$8.00 per item
$18.00 per item

Wire Transfer - International
Incoming
Outgoing

 

$25.00 per item
$55.00 per item

Foreign Check Processing Fee

$25.00 per item

Safe Deposit Boxes

$20.00 – $95 per year

Safe Deposit Boxes located at our Canby, Oregon City, Oak Grove, and Willamette View locations.

Legal Process

$40.00

For garnishments and levies.

Check Printing

Varies

Fee varies based on style.

Legal Review

Actual and Customary Charges

Business Fees

Description

Fee Amount/Monthly Fee

Additional Information

Business Cash Deposited Fee

Free

Business Core

$6.00

Monthly fee is waived if $1,500 minimum daily balance is maintained. Monthly fee is waived for Associations and Non-Profit Entities

Business Core Checks Cleared Fee

First 75 free; $0.10 for each additional item

Business Core Checks Deposited Fee

First 75 free; $0.10 for each additional item

Business Plus

$10.00

Monthly fee is waived if $5,000 minimum daily balance is maintained.

Business Plus Checks Cleared Fee

First 100 Free; $0.10 for each additional item

Business Plus Checks Deposited Fee

First 100 Free; $0.10 for each additional item

Business Rewards

$10.00

Monthly fee is waived if $3,000 minimum daily balance is maintained.

Business Rewards Checks Cleared Fee

First 75 Free; $0.10 for each additional item

Business Rewards Checks Deposited Fee

First 75 Free; $0.10 for each additional item

Business Money Market Account

$10.00

Monthly fee is waived if $5,000 minimum balance is maintained. $5,000 minimum daily balance to earn stated dividend.

Electronic Funds Transfer

Description

Fee Amount/Monthly Fee

Additional Information

Bill Pay

Free

Clackamas ATM Transactions

Unlimited

For transactions at an ATM owned by Clackamas.

Co-Op Network ATM Transactions

Unlimited

For transactions at an ATM affiliated with the Co-Op Network nationwide.

Foreign Transactions Fee (Debit, Visa cards, for any transaction made in a foreign currency)

Up to 1% of the U.S. Dollar amount

This fee will be in addition to any other applicable fee.

Loan Pay Fee Online and through the Call Center

$4.95 per transaction

For payments to your Clackamas account(s) using a debit card from another financial institution.

Non-Network ATM Transactions

$1.50 each

For transactions at an ATM not owned by Clackamas or not affiliated with the Co-Op Network. For Plus accounts, up to $25 per month in Non-Network ATM fees will be refunded when account qualifications are met.

PIN Change (ATM, Debit, Visa cards)

Free

Plastic Card Replacement Fee

$5.00 per card

Debit/Credit Card replacement fee

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