Rate Board SOFCU offers its members many types of real estate loans including first and second mortgages, home equity lines of credit and loans for purchase or refinances. We have fixed or variable rate, conforming (up to $417,000) and jumbo loans available also, please ask. We also offer balloons and fully amortized loans. SOFCU offers many different ways to save. This provides the right opportunity to meet your needs. We have basic savings accounts, Money Market Accounts, Certificates and IRAs. Please check our Savings and Certificate Account Truth In Savings Disclosure for important information. Apply for an Auto Loan Apply for a Signature Loan Apply for a Line of Credit *On approved credit. The actual APR you will pay is based on certain credit-worthiness criteria and the term of the loan. Loan terms may vary depending on amount borrowed and age of collateral. Loan rates and terms are subject to change without notice. Mortgage Rates SOFCU offers its members many types of real estate loans including: first and second mortgages and home equity lines of credit; for purchase or refinancing; fixed or variable rates; conforming (up to $417,000) and jumbo loans available also, please ask. We also offer balloons and fully amortized loans. Please call SOFCU at (541) 479-2601, or send email to our Real Estate Center for further information. Apply for a Mortgage Truth-In-Savings Disclosure for Savings and Checking Accounts APY is Annual Percentage Yield. This rate schedule states rates applicable to specified accounts. Dividends are credited to your account and compounded every month. This schedule is incorporated as a part of your account agreement with SOFCU. *Minimum balance requirements apply to average daily balance (amount of principal in account each day). **All savings rates are variable, this means the dividend rate and annual percentage yield may change at any time as determined by the Board of Directors. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. If you have any questions or need current rate information on your accounts, please call (541) 479-2601. Certificate Account Truth-In-Savings Disclosure APY is Annual Percentage Yield. The rates quoted above are accurate and effective for the above accounts as of the effective date indicated. Certificate rates remain fixed for the term of the certificate. Unless otherwise paid, dividends will be credited to your account and compounded every month. Fees or other conditions could reduce the earnings on the account. A penalty may be imposed for withdrawals before maturity. For Savers Advantage Certificate Accounts, members may make additions into the account up to a maximum principal balance of $1,000.00 or until the maturity date stated on the account. If you have any questions or need current rate information on your accounts, please call (541) 479-2601. Rates subject to change.