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Point West Credit Union

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Point West Credit Union Rates & Review November 2026

Q: What are the current interest rates at Point West Credit Union?

Current rates for Point West Credit Union include: 12-Month CD: 3.75%, 24-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 1.25%, MMA: 0.50%

Q: What CD terms does Point West Credit Union offer?

Point West Credit Union CD rates are 3.75% APY for a 12 month CD, 2.50% APY for a 2 year CD, 2.60% APY for a 3 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Point West Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

Point West Credit Union's 12 Month Regular CD of Deposit rates are at 3.75%, 12 Month Save To Win CD of Deposit rates are at 3.75%, 36 Month Regular CD of Deposit rates are at 2.60%, 24 Month Regular CD of Deposit rates are at 2.50%, 60 Month Regular CD of Deposit rates are at 2.50%. Point West Credit Union's savings rates are at 1.25%. Point West Credit Union's money market rates are at 0.50%. Point West Credit Union's checking rates are as high as 1.49%. Point West Credit Union's Personal Loan Rates are as low as 9.25%. Point West Credit Union's CD rates are 16% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Point West Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.85%. Rates last updated and verified on 10/29/2026.

Point West Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Point West Credit Union? Share your experience about Point West Credit Union by leaving a review below, or read customer reviews before you decide to use Point West Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.85%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Point West Credit Union
Corporate Office

5257 NE M L King Blvd Ste 301
Portland, OR 97211-3283

https://www.pointwestcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Point West Credit Union CD Rates

Product	Rate	APY	Term
12 Month Regular Share Certificate of Deposit	3.687%	3.75%	12 months
Min Deposit $500 Details Deposit range: $500 - 200K Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
12 Month Save To Win Certificate of Deposit	3.687%	3.75%	12 months
Min Deposit $25 Details Prize entries and eligibility limited by Official Account and Prize Entry Rules; participating members may deposit unlimited funds in a Qualifying Certificate Account Last Updated 10/29/2026 Rate History No change since Sep 22, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
36 Month Regular Share Certificate of Deposit	2.57%	2.60%	36 months
Min Deposit $500 Details Deposit range: $500 - 200K; Additional deposit and rate bump: Once per certificate term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
24 Month Regular Share Certificate of Deposit	2.472%	2.50%	24 months
Min Deposit $500 Details Deposit range: $500 - 200K Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
60 Month Regular Share Certificate of Deposit	2.472%	2.50%	60 months
Min Deposit $500 Details Deposit range: $500 - 200K; Additional deposit and rate bump: Once per certificate term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
48 Month Regular Share Certificate of Deposit	2.325%	2.35%	48 months
Min Deposit $500 Details Deposit range: $500 - 200K; Additional deposit and rate bump: Once per certificate term Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
3 Month Regular Share Certificate of Deposit	0.698%	0.70%	3 months
Min Deposit $500 Details Deposit range: $500 - 200K Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Savings Rates

Product	Rate	APY
Non-Profit Savings Account	1.243%	1.25%
Min Balance $0 Details Balance: $0 - $100,000; For active, qualifying 501(c)(3) non-profit organizations only; No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Non-Profit Savings Account	0.10%	0.10%
Min Balance $100,001 Details Balance: $100,001; For active, qualifying 501(c)(3) non-profit organizations only; No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Share Account (Savings)	0.03%	0.03%
Min Balance $5 Details Balance: Greater than $0; Minimum of $5.00 deposited in order to earn stated APY; No monthly account fee if enrolled in paperless eStatements; otherwise fee is $2/month Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Business Savings Rates

Product	Rate	APY	View More
Business Share/Savings Account	0.03%	0.03%
Min Balance $5 Details Balance: Greater than $0; Minimum of $5.00 deposited in order to earn stated APY; No monthly account fee if enrolled in paperless eStatements, otherwise $2/month; Up to six transfers per calendar month Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 0.03% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.499%	0.50%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Money Market Account	0.399%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Money Market Account	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Money Market Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Checking Rates

Product	Rate	APY	View More
Flex Checking	1.489%	1.489%
Min Balance $0 Details Cardholder tier: Visa Debit Card Holder; Balance: $0 - $5,000; Dividend/APY may change at any time; requires Point West credit/debit card transactions posting between the 28th of prior month and 27th of current month Last Updated 10/29/2026 Rate History 1 change since Sep 28, 2026 · 1.50% → 1.49% ▼ 0.01 pts · high 1.50% / low 1.49% Sep 29, 20261.49%▼ from 1.50% Sep 28, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (Adjustable) - First Lien 70% LTV	-	-	5.75%	7 year
Details Term: 7 year draw, 15 year repayment; As Low As; LTV: 70%; Lien: First; Adjustable rate based on Prime; 0.25% autopay discount (0.25% higher without autopay) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 5.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Fixed) - First Lien	-	-	6.00%	2 year
Details Term: 2 year draw, 10 year repayment; As Low As; Loan to Value: 70%; Lien Position: First; With autopay (without autopay rates are 0.25% higher) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - First Lien	-	-	6.00%	1 - 7 years
Details As Low As; LTV: 70% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Adjustable) - First Lien 80% LTV	-	-	6.25%	7 year
Details Term: 7 year draw, 15 year repayment; As Low As; LTV: 80%; Lien: First; Adjustable rate based on Prime; 0.25% autopay discount (0.25% higher without autopay) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Adjustable) - Second Lien 70% LTV	-	-	6.25%	7 year
Details Term: 7 year draw, 15 year repayment; As Low As; LTV: 70%; Lien: Second; Adjustable rate based on Prime; 0.25% autopay discount (0.25% higher without autopay) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - First Lien	-	-	6.25%	8 - 15 years
Details As Low As; LTV: 70% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Fixed) - First Lien	-	-	6.50%	2 year
Details Term: 2 year draw, 10 year repayment; As Low As; Loan to Value: 80%; Lien Position: First; With autopay (without autopay rates are 0.25% higher) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Fixed) - Second Lien	-	-	6.50%	2 year
Details Term: 2 year draw, 10 year repayment; As Low As; Loan to Value: 70%; Lien Position: Second; With autopay (without autopay rates are 0.25% higher) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - First Lien	-	-	6.50%	1 - 7 years
Details As Low As; LTV: 80% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - Second Lien	-	-	6.50%	1 - 7 years
Details As Low As; LTV: 70% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Adjustable) - Second Lien 80% LTV	-	-	6.75%	7 year
Details Term: 7 year draw, 15 year repayment; As Low As; LTV: 80%; Lien: Second; Adjustable rate based on Prime; 0.25% autopay discount (0.25% higher without autopay) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - First Lien	-	-	6.75%	8 - 15 years
Details As Low As; LTV: 80% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - First Lien	-	-	6.75%	1 - 7 years
Details As Low As; LTV: 90% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - Second Lien	-	-	6.75%	8 - 15 years
Details As Low As; LTV: 70% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Adjustable) - First Lien 90% LTV	-	-	7.00%	7 year
Details Term: 7 year draw, 15 year repayment; As Low As; LTV: 90%; Lien: First; Adjustable rate based on Prime; 0.25% autopay discount (0.25% higher without autopay) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Fixed) - Second Lien	-	-	7.00%	2 year
Details Term: 2 year draw, 10 year repayment; As Low As; Loan to Value: 80%; Lien Position: Second; With autopay (without autopay rates are 0.25% higher) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - Second Lien	-	-	7.00%	1 - 7 years
Details As Low As; LTV: 80% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Fixed) - First Lien	-	-	7.25%	2 year
Details Term: 2 year draw, 10 year repayment; As Low As; Loan to Value: 90%; Lien Position: First; With autopay (without autopay rates are 0.25% higher) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - First Lien	-	-	7.25%	8 - 15 years
Details As Low As; LTV: 90% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - Second Lien	-	-	7.25%	8 - 15 years
Details As Low As; LTV: 80% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - Second Lien	-	-	7.25%	1 - 7 years
Details As Low As; LTV: 90% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Adjustable) - Second Lien 90% LTV	-	-	7.50%	7 year
Details Term: 7 year draw, 15 year repayment; As Low As; LTV: 90%; Lien: Second; Adjustable rate based on Prime; 0.25% autopay discount (0.25% higher without autopay) Last Updated 10/29/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Line of Credit (Fixed) - Second Lien	-	-	7.75%	2 year
Details Term: 2 year draw, 10 year repayment; As Low As; Loan to Value: 90%; Lien Position: Second; With autopay (without autopay rates are 0.25% higher) Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Home Equity Loan (Fixed) - Second Lien	-	-	7.75%	8 - 15 years
Details As Low As; LTV: 90% (with Autopay); Without autopay, rates are 0.25% higher; Lien position subject to title review Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Vehicle Loan (2018 - 2022)	-	-	5.34%	24 months
Details As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.34%	36 months
Details As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.34%	48 months
Details As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.34% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.59%	60 months
Details As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.84%	72 months
Details As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Used Vehicle Loan (2018 - 2022)	-	-	6.09%	84 months
Details As Low As; Fixed APR; For lowest rate, automatic payment required; Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.09% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Older Used Vehicle (2014-2017) Loan	-	-	6.99%	1-60 months
Details As Low As; APR (Fixed); Rate is 0.25% APR higher for non-auto pay loan payments; Quoted rate applies only to directly funded loans Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boat & RV Loan	-	6.50%	1-120 months
Details APR range 6.50% - 19.50% (fixed); longest term available for loans greater than $60,000; rate is 0.25% APR higher for non-auto pay loan payments; quoted rate applies only to directly funded loans; rates based on credit history; Model Year: 2014 - 2017 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Personal Loan Rates

Product	APR	Term
Business Line of Credit / Unsecured Business Loan	9.25%
Details APR range 9.25% - 24.75% (variable, tied to Prime Rate); lowest rate requires automatic payment, Point West checking account, and direct deposit enrollment; 0.25% APR higher for non-auto pay; 0.50% APR higher without direct deposit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Personal Loan	9.25%	1 - 60 months
Details APR range 9.25% - 24.00% (Variable); rate changes 1st day of month after Prime Rate index changes; lowest rate requires automatic payment and direct deposit enrollment; 0.25% higher for non-auto pay; 0.50% higher without direct deposit; longest term for loans over $15,000 Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Personal Line of Credit	9.50%
Details APR range 9.50% - 24.75% (Variable), low end shown as APR; Rate changes the 1st day of the month after the Prime Rate index changes; Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 9.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Business Debt Consolidation Loan	10.24%	1 - 60 months
Details Published APR range: 10.24% - 25.49%. Business Loans; APR (Fixed); Automatic payments are required for lowest rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Debt Consolidation Loan	10.24%	1 - 48 months
Details APR (Fixed); Automatic payments required for lowest rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%
Debt Consolidation Loan	10.74%	49 - 60 months
Details APR (Fixed); Automatic payments required for lowest rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Point West Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Bicycle and eBike Loan	-	-	5.74%	12 months
Details Published APR range: 5.74% - 8.49%. Finance Up To: $5,000; APR (Fixed); 24 month term available with a 0.5% increase in APR; rate is 0.25% APR higher for non-auto pay loan payments Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.85%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Point West Credit Union’s Texas Ratio rose from 2.41% in Q3 2023 to 4.85% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$98M	4.85%	5.0	A+
March 31, 2026	$102M	3.85%	5.0	A+
December 31, 2025	$100M	4.69%	5.0	A+
September 30, 2025	$105M	4.51%	5.0	A+
June 30, 2025	$105M	4.51%	5.0	A+
March 31, 2025	$112M	5.69%	5.0	A+
December 31, 2024	$110M	4.99%	5.0	A+
September 30, 2024	$111M	3.15%	5.0	A+
June 30, 2024	$108M	2.62%	5.0	A+
March 31, 2024	$109M	3.54%	5.0	A+
December 31, 2023	$110M	2.58%	5.0	A+
September 30, 2023	$115M	2.41%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Point West Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Point West Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Point West Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Point West Credit Union

Website https://www.pointwestcu.com

Address 5257 NE M L King Blvd Ste 301, Portland, OR 97211-3283

Phone 503-546-5000

Fax 503-546-5013

President

CEO Amy Nelson

Full-Time Employees 27

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.85%

Return on Assets (ROA)

0.2765%

Return on Equity (ROE)

2.1880%

Non-Performing Loans Ratio (NPL)

0.89%

Total Assets

97,519,751

Total Amount of Shares and Deposits

83,623,571

Total Shares and Deposits < 1 Year

80,888,304

Total Shares and Deposits 1 3 Years

2,720,394

Total Shares and Deposits > 3 Years

14,873

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,398,113

Total Uninsured Shares and Deposits > $250K (F+J)

6,398,113

Total Insured Shares and Deposits > $250K (item 17 less item K)

77,225,458

Total Interest Expense (Sum of items 6 8)

322,412

Share Certificates

148

Number of Accounts for Share Drafts

4,195

Number of Accounts for Regular Shares

10,988

Non Member Deposits

Money Market Shares

510

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,480,110

Total Liabilities

85,394,434

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Point West Credit Union earned the Verified Healthy badge

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Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Point West Credit Union

Does Point West Credit Union offer CDs?

Yes. Point West Credit Union current CD rates include its 12 Month Regular CD of Deposit at 3.75% APY, its 12 Month Save To Win CD of Deposit at 3.75% APY and its 36 Month Regular CD of Deposit at 2.60% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from Point West Credit Union NCUA insured?

Yes. Point West Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Point West Credit Union?

The highest Point West Credit Union CD rate is its 12 Month Regular CD of Deposit at 3.75% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does Point West Credit Union offer?

Point West Credit Union CD rates are 3.75% APY for a 12 month CD, 2.50% APY for a 2 year CD, 2.60% APY for a 3 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Point West Credit Union for its full lineup.

What is the highest savings rate at Point West Credit Union?

The highest Point West Credit Union savings rate is its Non-Profit Savings Account at 1.25% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest money market rate at Point West Credit Union?

The highest Point West Credit Union money market rate is its Money Market Account at 0.50% APY, verified by MonitorBankRates as of October 29, 2026.

What is the highest checking rate at Point West Credit Union?

The highest Point West Credit Union checking rate is its Flex Checking at 1.489% APY, verified by MonitorBankRates as of October 29, 2026.

What is the lowest auto loan rate at Point West Credit Union?

The lowest Point West Credit Union auto loan rate is its Used Vehicle Loan (2018 - 2022) at 5.34% APR, verified by MonitorBankRates as of October 29, 2026.

What is the lowest personal loan rate at Point West Credit Union?

The lowest Point West Credit Union personal loan rate is its Business Line of Credit / Unsecured Business Loan at 9.25% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does Point West Credit Union operate?

Point West Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Point West Credit Union?

Yes, to access services at Point West Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Point West Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Point West Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Point West Credit Union offer online and mobile banking?

Most modern institutions like Point West Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pointwestcu.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Point West Credit Union rates compare?

Point West Credit Union's CD rates are 16% lower than the MonitorBankRates national average, and it has an A+ health rating. Point West Credit Union's top rates are its 12 Month Regular CD of Deposit at 3.75% APY, its Non-Profit Savings Account at 1.25% APY, its Money Market Account at 0.50% APY, its Flex Checking at 1.489% APY and its Business Line of Credit / Unsecured Business Loan at 9.25% APR, verified by MonitorBankRates on October 29, 2026.

Current Point West Credit Union Rates

12-Month CD3.75%
24-Month CD2.50%
60-Month CD2.50%
Savings1.25%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Point West Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Point West Credit Union Texas Ratio

Point West Credit Union Health Trend

Point West Credit Union CD Rates

Point West Credit Union Savings Rates

Point West Credit Union Business Savings Rates

Point West Credit Union Money Market Rates

Point West Credit Union Checking Rates

Point West Credit Union Home Equity & HELOC

Point West Credit Union Auto Loan Rates

Point West Credit Union RV, Boat and Powersport Loan Rates

Point West Credit Union Personal Loan Rates

Point West Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Point West Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Point West Credit Union

Does Point West Credit Union offer CDs?

Are CDs from Point West Credit Union NCUA insured?

What is the highest CD rate at Point West Credit Union?

What CD terms does Point West Credit Union offer?

What is the highest savings rate at Point West Credit Union?

What is the highest money market rate at Point West Credit Union?

What is the highest checking rate at Point West Credit Union?

What is the lowest auto loan rate at Point West Credit Union?

What is the lowest personal loan rate at Point West Credit Union?

How many branches does Point West Credit Union operate?

Is a member application needed to join Point West Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Point West Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Point West Credit Union rates compare?

Current Point West Credit Union Rates

Compare to Other Credit Unions