Central Willamette Credit Union

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

Current Central Willamette Credit Union rates

96 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

7 offers
Central Willamette Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto5.240% APR5.240%—Standard
Table comparing different rates (Months Up to 84 months)auto_any_84mo8.490% APR8.490%84 moStandard
New Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailersrv_new_84mo8.490% APR8.490%84 mo · newStandard
New Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVsmotorcycle_new_60mo8.990% APR8.990%60 mo · newStandard
Table comparing different rates (Months Up to 60 months)auto_any_60mo8.990% APR8.990%60 moStandard
Used Recreational Vehicles (RVs) Motor Homes, Boats, Travel Trailers, Horse Trailers, Utility Trailersrv_used_84mo8.990% APR8.990%84 mo · usedStandard
Used Sports Craft Motorcycles, Personal Water Craft (Jet-Skis, Ski-Doos), Snow Mobiles, ATVsmotorcycle_used_60mo9.490% APR9.490%60 mo · usedStandard

HELOC rates

2 offers
Central Willamette Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Home Equity Fixed For Five Yearsheloc_fixed6.750% APR6.750%—Standard
Home Equity Loan (Fixed)heloc_fixed7.250% APR7.250%—Standard

Personal loan rates

6 offers
Central Willamette Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Certificate-Secured Loanpersonal_secured3.000% APR3.000%—Standard
Savings Secured/Credit Builderpersonal_secured5.000% APR5.000%—Standard
Up to 60-Month Unsecured Personal Loanpersonal_unsecured_60mo10.750% APR10.750%60 moStandard
Personal Line of Creditploc_variable11.750% APR11.750%—Standard
Personal Loan 61-72 monthspersonal_unsecured_72mo14.500% APR14.500%72 moStandard
Community Partnership Unsecured Loanpersonal_unsecured16.000% APR16.000%—Standard

Credit card rates

3 offers
Central Willamette Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Visa Platinum Low Ratecredit_card_platinum10.240% APR10.240%—Standard
Visa Signature Rewardscredit_card_rewards14.240% APR14.240%—Standard
Visa Platinum Securedcredit_card_secured18.750% APR18.750%—Standard

Savings & CD rates

67 offers
Central Willamette Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Premier Interest Business Checking $ .00 - $1,499.99savings0.05% APY0.05%—Standard
Cannabis Business Membership Account $5.00 - $9,999.99savings0.05% APY0.05%—Standard
$10,000.00 - $24,999.99savings0.05% APY0.05%—Standard
Business Rainy Day Savings $100.00 - $9,999.99savings0.05% APY0.05%—Standard
On Your Balance Of $250,000.01 and greatersavings0.05% APY0.05%—Standard
$25,000.00 And Greatersavings0.05% APY0.05%—Standard
Minimum Daily Balance to Earn Interest $2,500savings0.07% APY0.07%—Standard
$1,500.00 - $24,999.99savings0.07% APY0.07%—Standard
On Your Balance Of $100,000.01 - $250,000.00savings0.07% APY0.07%—Standard
$25,000.00 - $49,999.99savings0.09% APY0.09%—Standard
On Your Balance Of $0.00 - $9,999.99savings0.10% APY0.10%—Standard
Minimum Daily Balance to Earn Interest $100savings0.10% APY0.10%—Standard
On Your Balance Of $50,000.01 - $100,000.00savings0.10% APY0.10%—Standard
Business Choice Money Market $0.00 - $9,999.99money_market0.10% APY0.10%—Standard
$50,000.00 - $99,999.99savings0.11% APY0.11%—Standard
On Your Balance Of $10,000.01 - $50,000.00savings0.12% APY0.12%—Standard
Table comparing different rates (APY 0.12%)savings0.12% APY0.12%—Standard
$100,000 and Greatersavings0.14% APY0.14%—Standard
Table comparing different rates (APY 0.80%)savings0.80% APY0.80%—Standard
On Your Balance Of $5,000.01 - $10,000.00savings0.80% APY0.80%—Standard
Table comparing different rates (APY 0.85%)savings0.85% APY0.85%—Standard
On Your Balance Of $10,000.00 - $24,999.99savings0.85% APY0.85%—Standard
Table comparing different rates (APY 0.95%)savings0.95% APY0.95%—Standard
On Your Balance Of $25,000 - $49,999.99savings0.95% APY0.95%—Standard
On Your Balance Of $50,000.00 - $99,999.99savings1.00% APY1.00%—Standard
Table comparing different rates (APY 1.00%)savings1.00% APY1.00%—Standard
$50,0000.00 - $99,999.99savings1.00% APY1.00%—Standard
Table comparing different rates (APY 1.05%)savings1.04% APY1.04%—Standard
$100,000.00 And Greatersavings1.04% APY1.04%—Standard
On Your Balance Of $100,000.00 and greatersavings1.05% APY1.05%—Standard
Interest Rate 1.04%savings1.05% APY1.05%—Standard
Table comparing different rates (APY 1.10%)savings1.09% APY1.09%—Standard
Interest Rate 1.09%savings1.10% APY1.10%—Standard
On Your Balance Of $1,000.01 - $5,000.00savings1.10% APY1.10%—Standard
$1,000.01 - $5,000.00savings1.10% APY1.09%—Standard
Table comparing different rates (APY 1.15%)savings1.14% APY1.14%—Standard
Interest Rate 1.14%savings1.15% APY1.15%—Standard
On Your Balance Of $0.01 - $1,000.00savings1.15% APY1.15%—Standard
Money Market ($0.01–$1,000)money_market1.15% APY1.14%—Standard
Table comparing different rates (APY $500- $24,999.99 1.25%)savings1.24% APY1.24%—Standard
6-Month Certificatecd_6mo1.24% APY1.24%6 moStandard
Interest Rate $500 $24,999.99 1.24%savings1.25% APY1.25%—Standard
Certificates/IRA Certificates 6 Monthsira_cd_6mo1.25% APY1.24%6 moStandard
Bump Certificates 12 Monthscd_12mo2.25% APY2.23%12 moStandard
24-Month Certificatecd_24mo2.45% APY2.42%24 moStandard
Table comparing different rates (APY $500- $24,999.99 2.50%)savings2.47% APY2.47%—Standard
12-Month Certificatecd_12mo2.47% APY2.47%12 moStandard
Interest Rate $500 $24,999.99 2.47%savings2.50% APY2.50%—Standard
Table comparing different rates (APY $500- $24,999.99 2.60%)savings2.57% APY2.57%—Standard
18-Month Certificatecd_18mo2.57% APY2.57%18 moStandard
Interest Rate $500 $24,999.99 2.57%savings2.60% APY2.60%—Standard
Table comparing different rates (APY $500- $24,999.99 2.70%)savings2.67% APY2.67%—Standard
Interest Rate $500 $24,999.99 2.67%savings2.70% APY2.70%—Standard
Table comparing different rates (APY $500- $24,999.99 2.80%)savings2.76% APY2.76%—Standard
36-Month Certificatecd_36mo2.76% APY2.76%36 moStandard
Interest Rate $500 $24,999.99 2.76%savings2.80% APY2.80%—Standard
Table comparing different rates (APY $500- $24,999.99 2.90%)savings2.86% APY2.86%—Standard
48-Month Certificatecd_48mo2.86% APY2.86%48 moStandard
Interest Rate $500 $24,999.99 2.86%savings2.90% APY2.90%—Standard
60-Month Certificatecd_60mo2.96% APY2.96%60 moStandard
Table comparing different rates (APY $500- $24,999.99 3.00%)savings2.96% APY2.96%—Standard
Interest Rate $500 $24,999.99 2.96%savings3.00% APY3.00%—Standard
Flex 12 CDx (Consumer, IRA, & Business) 12 Monthsira_cd_12mo3.65% APY3.65%12 moStandard
Table comparing different rates (APY $500- $24,999.99 3.71%)savings3.65% APY3.65%—Standard
Interest Rate $500 $24,999.99 3.65%savings3.71% APY3.71%—Standard
The Flex12 CDxsavings3.75% APY3.75%—Standard
Flex 12 CDx (Consumer, IRA, & Business)****** 12 Monthsira_cd_12mo3.75% APY3.69%12 moStandard

Other rates

11 offers
Central Willamette Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Table comparing different rates (Months Up to 72 months)other5.990% %5.990%—Standard
Emergency Loanother6.750% %6.750%—Standard
Plus Line - Variable Rate Termsother6.750% %6.750%—Standard
Plus Line - Fixed Rate Termsother7.000% %7.000%—Standard
Table comparing different rates (Months 85 to 96 months)other7.890% %7.890%—Standard
Manufactured - Park Modelother8.000% %8.000%—Standard
Table comparing different rates (Months 85 to 120 months)other8.490% %8.490%—Standard
Table comparing different rates (Months 121 to 180 months)other8.490% %8.490%—Standard
Table comparing different rates (Months 61 to 72 months)other9.240% %9.240%—Standard
Table comparing different rates (Months 73 to 84 months)other9.490% %9.490%—Standard
Courtesy Loanother10.000% %10.000%—Standard

Vehicle loans available from 5.24% APR. HELOC rates from 6.75% APR. Personal loan rates from 3% APR. Credit card rates from 10.24% APR. Savings and certificate yields up to 3.75% APY.

Source: RateAPI.dev, verified from Central Willamette Credit Union's official website

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About Central Willamette Credit Union

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

Members
37.6K
Assets
$613.8M
Founded
1955
Locations reported
11
NCUA charter
62665
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services

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.

Oregon StateNorth Albany Branch · Albany · OR · 97321Branch in the same ZIPBenton County SchoolsMain Office · Corvallis · OR · 97330About 5.9 miles awayFirst TechnologyCorvallis Onsite Experience Center · Corvallis · OR · 97330About 5.9 miles awayOnpoint CommunityCorvallis · Corvallis · OR · 97330About 5.9 miles awayOregon CommunityCorvallis 9th Street · Corvallis · OR · 97330-6141About 5.9 miles away44 NorthAlbany - 4129 Santiam Hwy SE · Albany · OR · 97322About 6.3 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 Central Willamette Credit Union

Membership eligibility from Central Willamette Credit Union's own published criteria. How we verify this.

Membership criteria are published on Central Willamette Credit Union's website. Check the membership page below to confirm whether you qualify.

Cost to join: About $5.

Verified from Central Willamette Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Central Willamette Credit Union?

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Frequently Asked Questions

What rates does Central Willamette Credit Union offer?

Central Willamette Credit Union currently offers 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 Central Willamette Credit Union rates updated?

RateAPI verifies Central Willamette 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 Central Willamette Credit Union's rate data?

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

What are Central Willamette Credit Union's auto, rv & motorcycle loan rates?

As of August 4, 2026, Central Willamette Credit Union offers vehicle loans from 5.24% APR.

What is Central Willamette Credit Union's HELOC rate?

As of August 4, 2026, Central Willamette Credit Union offers home equity lines of credit from 6.75% APR.

What is Central Willamette Credit Union's personal loan rate?

As of August 4, 2026, Central Willamette Credit Union offers personal loans from 3% APR.

What is Central Willamette Credit Union's best CD rate?

As of August 4, 2026, Central Willamette Credit Union offers savings and certificate (CD) yields up to 3.75% APY.

Related Rate Data

Compare Central Willamette Credit Union's rates against national credit-union benchmarks.

More Oregon credit unionsAuto 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

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# Get rates for Central Willamette Credit Union
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  -H "Authorization: Bearer YOUR_API_KEY"
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