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: 0.03%, MMA: 0.10%

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Point West Credit Union

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Point West Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Point West Credit Union's 12 Month Regular CD of Deposit rates are at 3.75%, 12 Month Save To Win CD rates are at 3.75%, 12 Month Save To Win CD of Deposit rates are at 3.75%, 3 month Regular CD rates are at 3.75%, Regular CD of Deposit - 12 month rates are at 3.75%. Point West Credit Union's savings rates are at 0.03%. Point West Credit Union's money market rates are at 0.10%. Point West Credit Union's Personal Loan Rates are as low as 9.25%. 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 3.85%. Rates last updated and verified on 09/22/2026.

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

3.85%

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

Point West Credit Union CD Rates

Product	Rate	APY	Term
12 Month Regular Share Certificate of Deposit	3.69%	3.75%	12 months
Min Balance $500 Details APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month Save To Win CD	-	3.75%	12 months
Min Deposit $25 Details APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
12 Month Save To Win Certificate of Deposit	3.69%	3.75%	12 months
Min Deposit $25 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
3 month Regular Share CD	-	3.75%	3 months
Min Deposit $500 Details Term: 3, 12, 24, 36, 48, 60 months; APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. 36, 48 and 60 month certificates allow one (1) additional deposit and one (1) rate bump during the certificate term. Bumped rate will only apply to dividends accrued on currently deposited funds through the remainder of the maturity term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Share Certificate of Deposit - 12 month	3.69%	3.75%	12 months
Min Deposit $500 Details Deposit: $500 - 200K; APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
36 Month Regular Share Certificate of Deposit	2.57%	2.60%	36 months
Min Balance $500 Details 36, 48 and 60 month certificates allow one (1) additional deposit and one (1) rate bump during the certificate term. Bumped rate will only apply to dividends accrued on currently deposited funds through the remainder of the maturity term. APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Share Certificate of Deposit - 36 month	2.57%	2.60%	36 months
Min Deposit $500 Details Deposit: $500 - 200K; (Once per certificate term); APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
24 Month Regular Share Certificate of Deposit	2.47%	2.50%	24 months
Min Balance $500 Details APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
60 Month Regular Share Certificate of Deposit	2.47%	2.50%	60 months
Min Balance $500 Details 36, 48 and 60 month certificates allow one (1) additional deposit and one (1) rate bump during the certificate term. Bumped rate will only apply to dividends accrued on currently deposited funds through the remainder of the maturity term. APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Share Certificate of Deposit - 24 month	2.47%	2.50%	24 months
Min Deposit $500 Details Deposit: $500 - 200K; APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Share Certificate of Deposit - 60 month	2.47%	2.50%	60 months
Min Deposit $500 Details Deposit: $500 - 200K; (Once per certificate term); APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
48 Month Regular Share Certificate of Deposit	2.33%	2.35%	48 months
Min Balance $500 Details 36, 48 and 60 month certificates allow one (1) additional deposit and one (1) rate bump during the certificate term. Bumped rate will only apply to dividends accrued on currently deposited funds through the remainder of the maturity term. APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Share Certificate of Deposit - 48 month	2.33%	2.35%	48 months
Min Deposit $500 Details Deposit: $500 - 200K; (Once per certificate term); APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
3 Month Regular Share Certificate of Deposit	0.70%	0.70%	3 months
Min Balance $500 Details APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Regular Share Certificate of Deposit - 3 month	0.70%	0.70%	3 months
Min Deposit $500 Details Deposit: $500 - 200K; APY = Annual Percentage Yield. Terms and conditions apply. Penalties for early withdrawal will be assessed. Contact Point West at 503.546.5000 for complete details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Point West Credit Union Savings Rates

Product	Rate	APY
Non-Profit Savings Account	1.24%	1.25%
Min Balance $0 Details Balance: $0 - $100,000; For active, qualifying 501(c)(3) non-profit organizations only. Subject to verification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
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. Subject to verification. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Share/Savings Account	0.03%	0.03%
Min Balance $0 Details Balance: Greater than $0; Minimum of $5.00 deposited in order to earn stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Share Account (Savings)	0.03%	0.03%
Min Balance $0 Details Balance: Greater than $0; Minimum of $5.00 deposited in order to earn stated APY. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Point West Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Account	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Account	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Account	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Money Market Account	0.10%	0.10%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Point West Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (Adjustable)	-	-	5.75%	7 year
Details Term: 7 year draw, 15 year repayment; Loan to Value (LTV, with Autopay*): 70%; As low as; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Adjustable Rate Information (Home Equity Line of Credit - Adjustable Only): The APR for adjustable-rate home equity lines of credit is based on the Prime Rate and Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Line of Credit (Fixed)	-	-	6.00%	2 year
Details Term: 2 year draw, 10 year repayment; Loan to Value (LTV, with Autopay*): 70%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Loan (Fixed)	-	-	6.00%	1 - 7 years
Details Additional APR listed for this product: 6.50%. Loan to Value (LTV, with Autopay*): 70%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Line of Credit (Adjustable)	-	-	6.25%	7 year
Details Term: 7 year draw, 15 year repayment; Loan to Value (LTV, with Autopay*): 80%; As low as; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Adjustable Rate Information (Home Equity Line of Credit - Adjustable Only): The APR for adjustable-rate home equity lines of credit is based on the Prime Rate and Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Loan (Fixed)	-	-	6.25%	8 - 15 years
Details Additional APR listed for this product: 6.75%. Loan to Value (LTV, with Autopay*): 70%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Line of Credit (Fixed)	-	-	6.50%	2 year
Details Term: 2 year draw, 10 year repayment; Loan to Value (LTV, with Autopay*): 80%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Loan (Fixed)	-	-	6.75%	1 - 7 years
Details Additional APR listed for this product: 7.25%. Loan to Value (LTV, with Autopay*): 90%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Line of Credit (Adjustable)	-	-	7.00%	7 year
Details Term: 7 year draw, 15 year repayment; Loan to Value (LTV, with Autopay*): 90%; As low as; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Adjustable Rate Information (Home Equity Line of Credit - Adjustable Only): The APR for adjustable-rate home equity lines of credit is based on the Prime Rate and Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Loan (Fixed)	-	-	7.00%	1 - 7 years
Details Loan to Value (LTV, with Autopay*): 80%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Line of Credit (Fixed)	-	-	7.25%	2 year
Details Term: 2 year draw, 10 year repayment; Loan to Value (LTV, with Autopay*): 90%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Loan (Fixed)	-	-	7.25%	8 - 15 years
Details Loan to Value (LTV, with Autopay*): 80%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Home Equity Loan (Fixed)	-	-	7.75%	8 - 15 years
Details Loan to Value (LTV, with Autopay*): 90%; APR = Annual Percentage Rate. Rates are subject to change without notice. The advertised APR reflects a 0.25% discount for automatic payment (autopay). Without autopay, rates will be 0.25% higher. All loans are subject to credit approval. Rates are based on creditworthiness (including credit history and current credit report), loan amount, term, and collateral. Not all applicants will qualify for the lowest advertised APR. Lien Position & Rate Eligibility: Separate rates are shown for first lien and second lien positions. Actual lien position will be verified through title review. Rates may vary based on lien position, loan-to-value (LTV), and other underwriting factors. Final rate and loan terms are subject to credit approval. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

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* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.34%	36 months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.34%	48 months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.59%	60 months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Vehicle Loan (2018 - 2022)	-	-	5.84%	72 months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Used Vehicle Loan (2018 - 2022)	-	-	6.09%	84 months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Older Used Vehicle (2014-2017) Loan	-	-	6.99%	1-60 months
Details As Low As* Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

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 Published APR range: 6.50% - 19.50%. Rate is 0.25% APR higher for non-auto pay loan payments. Quoted rate applies only to directly funded loans.; Model Year: 2014 - 2017 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Point West Credit Union Personal Loan Rates

Product	APR	Term
Business Line of Credit / Unsecured Business Loan	9.25%
Details Published APR range: 9.25% - 24.75%. Rate is 0.25% APR higher for non-auto pay loan payments and 0.50% APR higher for members not enrolled in direct deposit. All rates and programs are subject to change at any time. All rates are variable unless noted otherwise, and are tied to the Prime Rate. Rate changes the 1st day of the month after the Prime Rate index changes. Rates are based on your credit history and current credit report. Loan term may be based on amount financed, age of collateral and your credit score. All loans are subject to credit approval. For lowest rate, payments must be made via automatic payment, member must have a Point West checking account, and member must enroll in direct deposit. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Personal Loans	9.25%	1 - 60 months
Details Published APR range: 9.25% - 24.00%. APR (Variable)*; For lowest rate, payments must be made via automatic payment and member must enroll in direct deposit. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Personal Line of Credit	9.50%
Details Published APR range: 9.50% - 24.75%. Variable APR. 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 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Business Debt Consolidation Loan	10.24%	1 - 60 months
Details Published APR range: 10.24% - 25.49%. Automatic payments are required for lowest rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Consolidation Loan	10.24%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Debt Consolidation Loan	10.24%	1 - 48 months
Details All loans are subject to credit approval. Automatic payments are required for lowest rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Debt Consolidation Loan	10.74%	49 - 60 months
Details All loans are subject to credit approval. Automatic payments are required for lowest rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

Point West Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Bicycle and eBike Loan	-	-	5.74%	12 months
Details Published APR range: 5.74% - 8.49%. Finance Up To: $5,000; APR is 0.5% higher for 24 month term; Rate is 0.25% APR higher for non-auto pay loan payments. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Flex Checking - Visa Debit Card Holder	1.49%	-	1.49%
Details Qualifications Required: 1.489% Dividend Rate/APY may change at any time. To earn stated Dividend Rate/APY, member must meet outlined requirements for the month to be eligible. Members may only qualify for one of the stated rates above each month.; Balance: $0 - $5,000; Transactions for Point West credit/debit cards must post between 28th of prior month and 27th of current month to qualify. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Flex Checking w/ Visa Debit Card	1.50%	-	1.50%
Details Qualifications Required: Must have an open Savings Account^; Enroll in Online Banking; Enroll in paperless eStatements; Minimum $500 Direct Deposit each month; Complete 15 Point West Visa Debit Card transactions during the month; Dividend Rate 1.50% APY up to $5,000; Paper Statements Fee: $2/mo; e-Statements are available at no cost. See Fee Schedule; Must have an open Savings Account^; Enroll in Online Banking; Enroll in paperless eStatements; Complete 15 Point West Visa Debit Card transactions during the month Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Smart-E Loan	-	-	6.99%	5 years
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Smart-E Loan	-	-	7.49%	7 years
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Smart-E Loan	-	-	7.49%	10 years
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Smart-E Loan	-	-	7.99%	12-20 years
Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%
Save To Win Certificate of Deposit - 12 months	3.69%	-	3.75%	12 months
Min Deposit $25 Details APY = Annual Percentage Yield. Dividend Rate/APY may change at any time. Participating members may deposit unlimited funds in a Qualifying Certificate Account, with an unlimited number of deposits, provided that prize entries and eligibility are limited as set forth in the Official Account and Prize Entry Rules. Contact Point West at 503.546.5000 for complete details. See full rates details and disclosures >> Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.85%

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.
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Financial Health History

Point West Credit Union’s Texas Ratio rose from 1.60% in Q2 2023 to 3.85% in Q1 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
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+
June 30, 2023	$113M	1.60%	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 25

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

3.85%

Return on Assets (ROA)

0.1896%

Return on Equity (ROE)

1.5539%

Non-Performing Loans Ratio (NPL)

0.69%

Total Assets

101,998,428

Total Amount of Shares and Deposits

87,634,872

Total Shares and Deposits < 1 Year

80,978,528

Total Shares and Deposits 1 3 Years

6,641,560

Total Shares and Deposits > 3 Years

14,782

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

6,412,485

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

6,412,485

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

81,222,387

Total Interest Expense (Sum of items 6 8)

176,307

Share Certificates

137

Number of Accounts for Share Drafts

4,244

Number of Accounts for Regular Shares

11,051

Non Member Deposits

Money Market Shares

518

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)

20,786,327

Total Liabilities

89,949,332

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Point West Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Point West Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Point West Credit Union

Frequently Asked Questions About Point West Credit Union

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.

Current Point West Credit Union Rates

12-Month CD3.75%
24-Month CD2.50%
60-Month CD2.50%
Savings0.03%
MMA0.10%

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

Compare to Other Credit Unions

Point West Credit Union Rates & Review September 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 Money Market 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

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?

Current Point West Credit Union Rates

Compare to Other Credit Unions