Understanding Credit
    At Oregon Pacific Bank, we strive to help our clients make informed choices as consumers. Before applying for credit or submitting a loan application, it is important to understand how credit works and how it affects your financial life.
Questions?
    Contact Lori Gates at Oregon Pacific Bank for questions about our credit card products or the application process
  • 541-902-8725
  • Or you can directly contact The Independent BankersBank Card Service Center
  • 800-367-7576
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Credit Cards
We've partnered with The Independent BankersBank to offer you competitive business credit card products you can apply for directly through Oregon Pacific Bank. Just fill out our credit card application form and bring it in to your nearest Oregon Pacific Bank branch.
    Standard Card
  • No Intro Rate
  • APR of Prime + 10.99%1
  • No Annual Fee
  • 25 day grace period on all purchases. No grace period for cash advances or cash equivalent transactions
  • Individual and summary billing options
  • MasterCard and Visa Business Benefits of rental car collision damage waiver protection and travel insurance.
  • Online account access and management available at www.cardaccount.net.
    Preferred Points Card
  • No Intro Rate
  • APR of Prime + 10.99%1
  • $49 Annual Fee per Account
  • 25 day grace period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Individual billing option only
  • MasterCard and Visa Business Benefits of rental car collision damage waiver protection and travel insurance.
  • Earn one point for each dollar spent, up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
  • Online account access and management available at www.cardaccount.net.
  • To view or redeem rewards points visit www.mypreferredpoints.com or call 866-678-5191
    Fees for All Card Products
  • Late Fee: $25
  • NSF Fee: $25
  • Agent Assisted Pay-by-Phone: $10
  • Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10.
  • International Transaction Fee: 2% of the U.S. dollar amount of the transaction converted from the foreign currency.
    1After introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve Bank. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.