|
Product |
Maximum Daily Balance |
Minimum Daily Balance |
APY1 |
|---|---|---|---|
|
Rates effective as of October 5th, 2022 |
|||
|
Clackamas Connect |
N/A |
N/A |
0.000% |
|
Clackamas Core |
N/A |
N/A |
0.000% |
|
Clackamas Plus |
$15,000.00 |
N/A |
3.000% |
|
Rewards |
N/A |
N/A |
0.000% |
|
Product |
Min. Daily Balance |
APY1 |
|---|---|---|
|
Rates effective as of November 21, 2022 |
||
|
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 |
0.050% |
|
Money Market $5,000.00 - $9,999.99 |
$5,000.00 |
0.100% |
|
Money Market $10,000.00 - $24,999.99 |
$10,000.00 |
0.150% |
|
Money Market $25,000.00 - $49,999.99 |
$25,000.00 |
0.200% |
|
Money Market $50,000.00 + |
$50,000.00 |
0.250% |
|
Product |
Min. Daily Balance |
APY1 |
Member Perks APY1,3 |
|---|---|---|---|
|
Rates effective as of November 21st, 2022 |
|||
|
3 Month Certificate |
$500.00 |
0.200% |
0.350% |
|
6 Month Certificate |
$500.00 |
0.400% |
0.550% |
|
12 Month Certificate |
$500.00 |
0.700% |
0.850% |
|
18 Month Promotional Certificate6 |
$500.00 |
3.00% |
3.15% |
|
24 Month Certificate |
$500.00 |
0.900% |
1.050% |
|
36 Month Certificate |
$500.00 |
1.200% |
1.350% |
|
48 Month Certificate |
$500.00 |
1.300% |
1.450% |
|
60 Month Certificate |
$500.00 |
1.400% |
1.550% |
|
Product |
Min. Daily Balance |
APY1 |
Member Perks APY1,3 |
|---|---|---|---|
|
Rates effective as of November 21, 2022 |
|||
|
12 Month Certificate |
$500.00 |
0.700% |
0.850% |
|
24 Month Certificate |
$500.00 |
0.900% |
1.050% |
|
36 Month Certificate |
$500.00 |
1.200% |
1.350% |
|
48 Month Certificate |
$500.00 |
1.300% |
1.450% |
|
60 Month Certificate |
$500.00 |
1.400% |
1.550% |
|
Balance |
Min. Daily Balance |
APY1 |
|---|---|---|
|
Rates effective as of November 21st, 2022 |
||
|
$0.01 - $4,999.99 |
$0.01 |
0.100% |
|
$5,000.00 - $24,999.99 |
$5,000.00 |
0.150% |
|
$25,000.00 - $49,999.99 |
$25,000.00 |
0.200% |
|
$50,000.00 + |
$50,000.00 |
0.250% |
|
Balance |
Min. Daily Balance |
APY1 |
|---|---|---|
|
Rates effective as of November 21st, 2022 |
||
|
$0.01 - $4,999.99 |
$0.01 |
0.100% |
|
$5,000.00 - $24,999.99 |
$5,000.00 |
0.150% |
|
$25,000.00 - $49,999.99 |
$25,000.00 |
0.200% |
|
$50,000.00 + |
$50,000.00 |
0.250% |
|
Product |
APR2 as low as |
|---|---|
|
Platinum Visa rates effective as of April 5, 2021 Rewards Visa rates effective as of November 18, 2022 |
|
|
Platinum Visa |
12.50% (fixed) |
|
Rewards Visa |
14.24% (variable) |
|
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. |
||
|
Product |
Variable APR2 as low as |
|---|---|
Ready to apply? Click here to get started!Rates effective as of November 18th, 2022 |
|
|
HELOC (home equity line of credit): LTV up to 90% |
7.24% |
|
RELOC (rental equity line of credit): LTV up to 75% |
9.24% |
|
Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
Ready to apply? Click here to get started!Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of November 18th, 2022 |
||
|
Share Secured Loan4 |
3.05% |
N/A |
|
Personal Loan |
13.00% |
12.75% |
|
Personal Line of Credit |
9.00% |
N/A |
|
Payday Alternative Loan |
15.00% |
N/A |
|
Rental Entry Assistance Program (REAL) |
6.00% |
5.75% |
|
12/12/12 Holiday Loan |
12.00% |
N/A |
|
Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
Ready to apply? Click here to get started!Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of November 18th, 2022 |
||
|
Consolidation Loans |
12.00% |
11.75% |
|
Term |
APR2 Range |
|---|---|
Ready to apply? Click here to get started!Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of November 18th, 2022 |
|
|
24 Months |
6.01% - 12.34% |
|
36 Months |
6.01% - 12.34% |
|
48 Months |
6.13% - 12.44% |
|
60 Months |
6.23% - 12.49% |
|
72 Months |
6.33% - 12.99% |
|
84 Months |
6.49% - 13.29% |
|
Term |
APR2 Range |
|---|---|
Ready to apply? Click here to get started!Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of November 18th, 2022 |
|
|
24 Months |
6.39% - 12.69% |
|
36 Months |
6.39% - 12.69% |
|
48 Months |
6.44% - 12.74% |
|
60 Months |
6.49% - 12.79% |
|
72 Months |
6.69% - 12.99% |
|
84 Months |
6.86% - 13.24% |
|
Term |
APR2 Range |
|---|---|
Ready to apply? Click here to get started!Member Perks pricing is applicable on this loan type, resulting in 0.25% discount on the rates listed above. Click here to learn more and see if you qualify! Rates effective as of November 18th, 2022 |
|
|
24 Months |
7.39% - 13.69% |
|
36 Months |
7.39% - 13.69% |
|
48 Months |
7.44% - 13.74% |
|
60 Months |
7.49% - 13.79% |
|
Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
Ready to apply? Click here to get started!Member Perks pricing is applicable on these loan types. Click here to learn more and see if you qualify! Rates effective as of November 18th, 2022 |
||
|
RVs |
6.06% |
5.81% |
|
Boats |
6.06% |
5.81% |
|
Motorcycles |
5.90% |
5.65% |
|
ATVs and Other Vehicles (including Jet Skis, Snow Mobiles, etc.) |
5.90% |
5.65% |
|
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. |
|
Product |
APR2 as low as |
Member Perks APR2,3 |
|---|---|---|
|
Rates effective as of June 20, 2022 — Give us a call for additional loan options |
||
|
3 Year Real Estate - Owner Occupied (variable) |
5.58% |
N/A |
|
3 Year Real Estate - Non-Owner Occupied (variable) |
5.83% |
N/A |
|
Business Line of Credit - Unsecured |
10.25% |
N/A |
|
Business Line of Credit - All Business Assets |
8.50% |
N/A |
|
5 Year Unsecured Term Loans (fixed) |
12.12% |
11.87% |
|
5 Year Term Loans - Equipment/Machinery (fixed) |
6.12% |
N/A |
|
5 Year Term Loans - All Business Assets (fixed) |
7.12% |
N/A |
|
Business Credit Card (variable) |
8.50% |
N/A |
|
Business Rewards Credit Card (variable) |
14.75% |
N/A |
|
Product |
Minimum Daily Balance |
Maximum Daily Balance |
APY1 |
Member Perks APY 1,3 |
|---|---|---|---|---|
|
Rates effective as of April 1st, 2022 |
||||
|
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 |
|
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 |
$8.00 per item |
|
|
Wire Transfer - International |
$25.00 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 |
|
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. |
|
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 |