Benton County Schools Credit Union

Corvallis, Oregon
Last verified: August 4, 2026
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Verified rate book

Current Benton County Schools Credit Union rates

70 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

8 offers
Benton County Schools Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
First Mortgage Rates (3-1 ARM - Starting Rate)3 1 arm4.750% APR4.750%—Standard
First Mortgage Rates (5-1 ARM - Starting Rate)5 1 arm5.250% APR5.250%—Standard
First Mortgage Rates (15-Year - New Loan)other6.125% APR6.125%—Standard
First Mortgage Rates (30-Year - New Loan)other6.750% APR6.750%—Standard
30-Year Fixed, Refinance30 year fixed6.750% APR6.750%—Standard
15-Year Fixed, Refinance15 year fixed6.125% APR6.125%—Standard
First Mortgage Rates (15-Year - Refinance)other6.125% APR6.125%—Standard
First Mortgage Rates (30-Year - Refinance)other6.750% APR6.750%—Standard

Auto & vehicle rates

16 offers
Benton County Schools Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Used RVs & Boats - Variable Rate (Up to 96 Months)rv_used_96mo3.250% APR3.250%96 mo · usedStandard
New auto as defined below. Rate based on credit qualification.auto_new_84mo4.490% APR4.490%84 mo · newStandard
New Vehicle - Variable Rate Loans (Up to 84 Months)auto_new_84mo4.500% APR4.500%84 mo · newStandard
Used Vehicle (less than 6 model years old) - Variable Rate Loans (Up to 84 Months)auto_used_84mo4.500% APR4.500%84 mo · usedStandard
Used Vehicle (greater than 6 model years old) - Variable Rate Loans (Up to 72 Months)auto_used_72mo4.500% APR4.500%72 mo · usedStandard
Used Vehicle (less than 6 model years old) – Variable Rate Loanauto_used_84mo5.000% APR5.000%84 mo · usedStandard
Auto Loanauto5.000% APR5.000%—Standard
Used Vehicle (less than 6 model years old) - Fixed Rate Loans (Up to 84 Months)auto_used_84mo5.490% APR5.490%84 mo · usedStandard
Used Vehicle (greater than 6 model years old) - Fixed Rate Loans (Up to 72 Months)auto_used_72mo5.990% APR5.990%72 mo · usedStandard
New RVs & Boats - Variable Rate (Up to 120 Months)rv_new_120mo6.750% APR6.750%120 mo · newStandard
New RVs & Boats - Variable Rate (Up to 144 Months)rv_new_144mo6.750% APR6.750%144 mo · newStandard
New RVs & Boats - Variable Rate (Up to 180 Months)rv_new_180mo6.750% APR6.750%180 mo · newStandard
New RVs & Boats - Fixed Rate (Up to 120 Months)rv_new_120mo7.990% APR7.990%120 mo · newStandard
New RVs & Boats - Fixed Rate (Up to 144 Months)rv_new_144mo8.250% APR8.250%144 mo · newStandard
New RVs & Boats - Fixed Rate (Up to 180 Months)rv_new_180mo8.500% APR8.500%180 mo · newStandard
Used RVs & Boats - Fixed Rate (Up to 96 Months)rv_used_96mo8.990% APR8.990%96 mo · usedStandard

HELOC rates

4 offers
Benton County Schools Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
5-Year Draw Periodheloc4.000% APR4.000%—Standard
10-Year Draw Periodheloc4.500% APR4.500%—Standard
HELOC 5-Year Draw Periodheloc_variable7.000% APR7.000%—Standard
HELOC 10-Year Draw Periodheloc_variable7.500% APR7.500%—Standard

Personal loan rates

8 offers
Benton County Schools Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
24-Month Unsecured Personal Loanpersonal_unsecured_24mo4.500% APR4.500%24 moStandard
36-Month Unsecured Personal Loanpersonal_unsecured_36mo4.500% APR4.500%36 moStandard
Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo5.500% APR5.500%60 moStandard
36-Month Signature Loanpersonal_unsecured_36mo5.500% APR5.500%36 moStandard
48-Month Unsecured Personal Loanpersonal_unsecured_48mo5.500% APR5.500%48 moStandard
60-Month Unsecured Personal Loanpersonal_unsecured_60mo6.500% APR6.500%60 moStandard
60-Month Signature Loanpersonal_unsecured_60mo7.500% APR7.500%60 moStandard
Personal Line of Creditploc_variable9.400% APR9.400%—Standard

Credit card rates

2 offers
Benton County Schools Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Other APRs (Cash advances and balance transfers)credit_card_balance_transfer13.950% APR13.950%—Standard
Credit Cardcredit_card13.950% APR13.950%—Standard

Savings & CD rates

30 offers
Benton County Schools Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Regular Shares (Min. $25.00)savings0.10% APY0.10%—Standard
Member Advantagesavings1.00% APY1.00%—Standard
Money Marketmoney_market1.00% APY1.00%—Standard
IRAsira1.00% APY1.00%—Standard
Health Savings (HSA)savings1.10% APY1.10%—Standard
9-Month Certificatecd_9mo1.15% APY1.15%9 moStandard
12-Month Certificatecd_12mo1.15% APY1.15%12 moStandard
18-Month Certificatecd_18mo1.20% APY1.20%18 moStandard
12-Month Certificatecd_12mo1.25% APY1.25%12 moStandard
24-Month Certificatecd_24mo1.25% APY1.25%24 moStandard
30-Month Certificatecd_30mo1.25% APY1.25%30 moStandard
36-Month Certificatecd_36mo1.30% APY1.30%36 moStandard
48-Month Certificatecd_48mo1.35% APY1.35%48 moStandard
60-Month Certificatecd_60mo1.40% APY1.40%60 moStandard
24-Month IRA Certificateira_cd_24mo1.50% APY1.50%24 moStandard
24-Month Certificatecd_24mo1.50% APY1.50%24 moStandard
36-Month IRA Certificateira_cd_36mo1.75% APY1.75%36 moStandard
36-Month Certificatecd_36mo1.75% APY1.75%36 moStandard
6 Month Silver Loyalty Certificatecd_6mo3.00% APY3.00%6 moStandard
60-Month Certificatecd_60mo3.00% APY3.00%60 moStandard
Certificateshare_certificate3.04% APY3.04%—Standard
Loyalty Certificatecd3.04% APY3.04%—Standard
6 Month Gold Loyalty Certificatecd_6mo3.25% APY3.25%6 moStandard
180-Month Certificatecd_180mo3.25% APY3.25%180 moStandard
6 Month Platinum Loyalty Certificatecd_6mo3.50% APY3.50%6 moStandard
300-Month Certificatecd_300mo3.50% APY3.50%300 moStandard
Roth IRA Retirement Certificateira_cd3.69% APY3.69%—Standard
Roth IRAira3.69% APY3.69%6 moStandard
Retirement Certificatecd3.75% APY3.75%—Standard
6 New Money Cert. Specialcd_6mo4.00% APY4.00%6 moStandard

Other rates

2 offers
Benton County Schools Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Fixed Rate 15-Year – New Loanother6.125% %6.125%—Standard
Fixed Rate 30-Year – New Loanother6.750% %6.750%—Standard

As of August 4, 2026, Benton County Schools Credit Union offers a 3 1 arm mortgage at 4.75% APR. Vehicle loans available from 3.25% APR for 96 months. HELOC rates from 4% APR. Personal loan rates from 4.5% APR. Credit card rates from 13.95% APR. Savings and certificate yields up to 4.00% APY.

Source: RateAPI.dev, verified from Benton County Schools Credit Union's official website

Latest available market position · Snapshot August 1, 2026

Benton County Schools Credit Union statewide rate position

This dated snapshot compares the credit union's best published rate in each tracked product with other OR credit unions in the same product market. Products may age out of the current rate book until they are verified again.

Best statewide position#3 of 32Personal Loan (unsecured, best offer)
Percentile bandTop 10%among comparable OR offers
Products tracked5in this dated snapshot
Best-position spread540 bp better than state median50 bp from state best
Published rate position by comparable product on August 1, 2026
ProductPublished rateState rankState bestState medianPosition vs. median
New Auto Loan (best offer, cars)4.49% APR#3 of 14 · top 22%3.99%5.24%75 bp better than state median
Used Auto Loan (best offer, cars)4.50% APR#3 of 14 · top 22%3.65%5.49%99 bp better than state median
HELOC (best offer)7.00% APR#22 of 26 · top 85%3.99%6.74%26 bp behind state median
Personal Loan (unsecured, best offer)4.50% APR#3 of 32 · top 10%4.00%9.90%540 bp better than state median
12-Month CD (best APY)1.15% APY#14 of 16 · top 88%3.50%3.20%205 bp behind state median

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About Benton County Schools Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
2.4K
Assets
$70.8M
Founded
1953
Locations reported
2
NCUA charter
64059
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • First-time homebuyer program
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Central WillametteCorvallis Branch · Corvallis · OR · 97330Branch in the same ZIPFirst TechnologyCorvallis Onsite Experience Center · Corvallis · OR · 97330Branch in the same ZIPOnpoint CommunityCorvallis · Corvallis · OR · 97330Branch in the same ZIPOregon CommunityCorvallis 9th Street · Corvallis · OR · 97330-6141Branch in the same ZIPOregon StateFinancial Center · Corvallis · OR · 97330-2179Branch in the same ZIPMarion and Polk SchoolsMonmouth Branch · Monmouth · OR · 97361-2226About 9.6 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Benton County Schools Credit Union

Membership eligibility from Benton County Schools Credit Union's own published criteria. How we verify this.

Community charter: live/work in Benton, Linn

  • LocationBenton, Linn
  • Occupationschool district employee, city employee, county employee, public organization employee

Cost to join: About $25.

Verified from Benton County Schools Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does Benton County Schools Credit Union offer?

Benton County Schools Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Benton County Schools Credit Union rates updated?

RateAPI verifies Benton County Schools Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Benton County Schools Credit Union's rate data?

Rate data is collected directly from Benton County Schools Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Benton County Schools Credit Union's mortgage rate?

As of August 4, 2026, Benton County Schools Credit Union offers a 3 1 arm mortgage at 4.75% APR.

What are Benton County Schools Credit Union's auto & rv loan rates?

As of August 4, 2026, Benton County Schools Credit Union offers vehicle loans from 3.25% APR.

What is Benton County Schools Credit Union's HELOC rate?

As of August 4, 2026, Benton County Schools Credit Union offers home equity lines of credit from 4% APR.

What is Benton County Schools Credit Union's personal loan rate?

As of August 4, 2026, Benton County Schools Credit Union offers personal loans from 4.5% APR.

What is Benton County Schools Credit Union's best CD rate?

As of August 4, 2026, Benton County Schools Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare Benton County Schools Credit Union's rates against national credit-union benchmarks.

More Oregon credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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  -H "Authorization: Bearer YOUR_API_KEY"
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