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
pictures_personal_creditCards
Credit Cards
We've partnered with The Independent BankersBank to offer you competitive 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.
    Low Rate Card
  • Available to all applicants for both Visa and MasterCard. Rewards points are not available for this card product.1
  • Intro Rate of 2.9% for the first 6 months
  • Ongoing APR of Prime + 6.99%2
  • No Annual Fee
  • 25 day grace period on all purchases. No grace period for cash advances or cash equivalent transactions
  • Visa Benefits of rental car collision damage waiver protection; MasterCard Benefits of rental car collision damage waiver protection and travel insurance.
  • Online account access and management available at www.cardaccount.net.
    Preferred Points Card
  • Available to all applicants for both Visa and MasterCard.1
  • Intro Rate of 2.9% for the first 6 months
  • Ongoing APR of Prime + 11.99%2
  • No Annual Fee
  • 25 day grace period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Visa Benefits of rental car collision damage waiver protection; MasterCard 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.
    1The Preferred Points and Low Rate consumer products include both MasterCard and Visa products.
    2After 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%.