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Your way to experience the World Cup
From traveling to the games to upgrading your space at home, our loan can help you plan it your way.1
Fast, flexible loans for life’s unexpected situations
A personal loan with no collateral required — you don’t need to use your home or car as security.1
Not every card works the same.
Choose one designed for how you actually live, spend, and move.1
Banking that gives you something back
A checking account designed to reward your everyday activity — with benefits that grow the more you use it.
Financing that moves with you
From your next car to your current loan, make sure your financing still works in your favor.1
Welcome to OAS FCU
How Can We Help Today?
Rewards Checking
Make every purchase count with a Share Draft Rewards Checking Account that gives back.
- Earn up to 2.05% APY¹ on balances up to $6,000
- No maintenance fees⁵, no tricks
- Withdraw cash at 35,000+ fee-free ATMs
- Set up direct monthly deposit of any amount
Share Savings
Start your journey with just $5 and become a member-owner of OAS FCU. Flexible savings accounts designed to help you save for any goal — big or small. No monthly fees, plus your money grows with competitive dividends.
- Minimum deposit: $5
- Create separate savings accounts for travel, emergencies, taxes, or any goal you choose — all under your main membership.
- No monthly fees or hidden charges. Earn dividends and manage your savings with complete flexibility.
- Best for starting to save & flexible goals.
RoundUp Savings
Turn your everyday purchases into effortless savings. Round up your debit card posted purchases to the nearest dollar (or more). Your spare change goes from your Share Draft Checking Account into your RoundUp savings, growing automatically with dividends and no fees.
- No minimum deposit (linked to your debit card).
- Works on all posted purchases and recurring payments that use your debit card. Round up purchases automatically.
- Free, automatic.
- Best for frequent debit card users — saving made effortless.
Savings Club Accounts
Set aside money on at your pace with monthly deposits and daily compounding dividends. Funds are locked until your goal date to keep you on track — with no monthly service fees.
- No minimum deposit required.
- You can withdraw early if you need to.
- No monthly service fees, daily compounding, scheduled deposits, limited withdrawals.
- Best for planning holidays, taxes, vacations.
Share Certificates
Lock in a fixed dividend rate for a term between 3 and 60 months. Start with as little as $500 and watch your savings grow safely with daily compounding of dividends. Early withdrawals have penalties, so plan ahead.
- Minimum deposit: $500 ($100,000+ for jumbo rates)
- Fixed terms from 3 to 60 months.
- Fixed rates, higher dividends, penalty for early withdrawal, term options, auto-renewal.
- Best for guaranteed returns & long-term saving.
Personal Loans
Life is full of surprises—a wedding, an unexpected bill, or that dream to adopt. Get quick access to funds with flexible loan terms that help you embrace every milestone with confidence and ease.
- Borrow up to $35,000 with flexible 1–6 year terms (1,2)
- Unsecured loans—no collateral required
- Funds are typically available quickly after signing, subject to verification (4)
- Option to skip up to two non-consecutive payments per calendar year (3)
Green Loans
Our low-rate2 Green Loan powers your energy-saving and sustainability-related upgrades without the heavy upfront cost.
- Up to $15,000 (1) for energy-saving or sustainability-related projects
- Covers small energy-saving upgrades (eligible U.S. projects only) (6)
- One of our most competitive fixed personal loan rates, with terms up to 42 months (2)
Secured Loans
Use your share savings or share certificate as collateral — unlocking better variable loan rates without giving up your savings.1,2
- Lower interest rates by using your savings as collateral (1,2)
- Borrow up to 100% of your deposit without touching it (1,3)
- Continue earning dividends while repaying your loan (4)
- Terms up to 10 years for manageable payments (2,3)
International Loans
If you’ve been an OAS FCU member for at least two years and have two years of continuous employment or a verifiable pension income, you may qualify for an unsecured personal loan of up to three times your monthly income.
- Borrow up to three times your monthly income, up to $5,000 (1)
- No SSN or U.S. credit checks required (6)
- Easy 3-year repayment schedule (2)
- Skip up to two non-consecutive payments per calendar year (3)
- No fees to apply or pay off early
- Pay conveniently online from anywhere in the world (7)
Auto Loans
Take the wheel of your dream vehicle—whether you’re upgrading from a minivan to a sedan, setting sail on your first boat, hitting the road on a motorcycle. We make securing the perfect loan effortless so you can spend less time worrying and more time living.
- Roll related costs into your loan—no surprises.
- No application fees or prepayment penalties—pure transparency.
- Easy online payments from any account or card.
- Protection options like GAP Plus and Life Plus for peace of mind.
- Exclusive discounts for hybrids and electric vehicles—drive green, save green.
Auto Refinancing
Refinancing with OAS FCU is your fast lane to lower monthly payments and better rates—and sometimes even extra cash when you need it most. Imagine paying less each month and having the freedom to pay off your loan on your terms—no penalties, no stress.
- Lower your monthly payment
- Reduce your interest rate
- Choose repayment terms up to 7 years(1)
- No prepayment penalties or hidden fees
- Skip up to 2 non-consecutive payments per year, penalty-free(2)
- Rate discounts available for hybrid and electric vehicles.
Hybrid/Electric Auto Loans
Choosing a hybrid or electric car means that you care about the future—and so do we, both the planet’s future and yours. We’ve got your back with financing options that go beyond the car—like extra cash to set up your personal charging station.
- APR discount for hybrids and electric vehicles
- Flexible terms (up to 9 years), fixed(1) or variable(2) rates
- Finance up to 125% including charging stations
- No prepayment penalties
- Easy online and automatic payments.
Home Mortgages
Whether you’re home or abroad, staying on top of your mortgage is simple and secure with OAS FCU’s Mortgage Management Site — powered by our trusted partner, Credit Union Mortgage Association (CUMA).
- See your balance, rate, payment schedule, escrow, and amortization
- Schedule AutoPay, make one-time payments, or review your payment history directly in the portal
- View loan statements, tax and insurance(T&I) disclosures, annual 1098 tax forms, and key correspondence
- Review or update your contact and mailing details anytime
- Use the Help & Support tab to submit a payoff
Home Equity Line of Credit
Tap into the value of your U.S. home to fund renovations, consolidate debt, or plan big goals — with flexible options designed to adapt to your needs.
- Access funds as needed through a revolving credit line
- Competitive variable rates based on current market conditions
- No prepayment penalties
- Perfect if you live abroad and need access to U.S.-based funds
Home Refinance
Lower your rate, adjust your term, or tap into your home’s equity — with clear guidance to help you choose financing that fits your goals
- Competitive rates, transparent pricing, and no prepayment penalties
- Experience working with international employment contracts and multilateral organization staff within our field of membership
- Digital application, secure uploads, and clear status updates every step of the way
- Options to lower payments, adjust loan terms, or access equity, based on eligibility and program guidelines
Post-Secondary Education Loan
Our Post-Secondary Education Loan offers up to $15,000 to cover your costs with flexible repayment terms and competitive variable rates.
- Loans up to $15,000 for educational expenses.
- Competitive variable rates.
- Repayment terms up to 4 years.
- No fees to apply or pay off early.
Traditional IRA
Save for retirement with tax advantages that help your money grow faster and tax-deferred until withdrawal. Combine flexibility with security by choosing a Traditional IRA.
- Minimum deposit: $0
- Flexible contributions
- Tax advantages and potential deductions; early withdrawals penalized
- Federally insured separately from your other deposit accounts
- Best for retirement savers seeking tax benefits and steady growth.
IRA Share Certificates
Save for retirement with tax advantages that help your money grow faster and tax-deferred until withdrawal. Lock in higher guaranteed returns with an IRA Share Certificate.
- Minimum deposit: $500 to open IRA Share Certificate (must have Traditional IRA)
- Fixed 36-month term with higher dividends.
- Tax advantages and potential deductions.
- Federally insured separately from your other deposit accounts.
- IRA Share Certificate funds remain in IRA; early withdrawals penalized.
- Best for retirement savers seeking tax benefits and steady growth.
Debit Card
Access thousands of surcharge-free ATMs, earn rewards through your Rewards Checking account, control spending, and pay securely everywhere you go.
- Swipe or shop online anywhere Visa® is accepted.
- Add it to your mobile wallet or wearable wallet.
- Use it for your monthly subscriptions.
- Turn small payments into smart savings with RoundUp Account.
Visa Classic
The Visa Classic Card is designed for daily use and credit building—perfect if you want a reliable card with a low interest rate to manage everyday expenses and pay down balances faster.
- Up to $10,000 credit limit
- Low interest rate for everyday use
- No international transaction fees
Visa Platinum
Earn unlimited points on every purchase and bonus points each quarter. Enjoy a credit limit of up to $30,000 with flexible rewards.2
- Unlimited rewards points on all purchases (2)
- Flexible redemption options worldwide (2)
- Up to $30,000 credit limit (1)
Secured Visa
Perfect for building or rebuilding credit safely.2 Your credit limit is backed by your deposit, which earns dividends1 while supporting responsible credit use.
- Credit limit equals your secured deposit
- Monthly credit reporting to build credit
- Deposit earns interest while locked in
OAS FCU accounts are for members only. Annual Percentage Yield (APY) effective as of 04/01/2026; rates are variable and may change after the account is opened. Fees may reduce earnings. No minimum balance is required to open or earn the APY. The preferential dividend rate of 2.12 % APY applies only when your daily balance equals $6,000 and you meet all monthly qualification requirements. Balances above or below $6,000 earn the non-preferential rate of 0.05 % APY, even if qualifications are met. Dividends compound daily and are credited monthly. If the account is closed before dividends are credited, accrued dividends will not be paid. See the Truth-in-Savings Disclosure and Schedule of Fees for details.
No monthly maintenance fee applies. Other service fees may apply. See the Schedule of Fees.
Annual Percentage Rates (APRs) are variable and depend on creditworthiness, loan term, and other qualifying factors. Variable rates are tied to the Wall Street Journal Prime Rate plus a margin and may increase after the loan is opened. Your actual rate and terms will be disclosed at the time of approval.
Example:
For a $10,000 loan with a repayment term of 60 months (5 years) at an APR of 12.50%, the monthly payment would be approximately $225.54. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law. For current rate information, please visit our Rates page.
Annual Percentage Rate (APR) is fixed for all approved applicants and will not change after the loan is opened. For current rate information, please visit our Rates page.
Repayment example:
For a $10,000 loan with a repayment term of 42 months at an APR of 8.44%, the monthly payment would be approximately $314.11. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law.
Annual Percentage Rates (APRs) are variable and depend on the dividend rate currently paid on your pledged share or share-certificate account(s), to which we apply a margin. The APR may change as the dividend rate changes and may increase after the loan is opened. Increases in APR will extend the loan term rather than increase the monthly payment. Your actual rate and terms will be disclosed at the time of approval.
Repayment example:
For a $10,000 loan with a repayment period of 10 years (120 months) at a variable APR of 4.85%, the monthly payment would be approximately $105.34. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law. For current rate information, please visit our Rates page.
Annual Percentage Rates (APRs) are variable and based on the Wall Street Journal Prime Rate, to which we apply a margin. Rates depend on income verification, repayment capacity, and other qualifying factors, and may increase after the loan is opened. Your actual rate and terms will be disclosed at the time of approval.
Repayment example:
For a $1,000 loan with a repayment term of 36 months (3 years) at an APR of 17.25%, the monthly payment would be approximately $35.80. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law. For current rate information, please visit our Rates page.
Annual Percentage Rates (APRs) are variable and depend on creditworthiness, loan term, and other qualifying factors. Variable rates are tied to the Wall Street Journal Prime Rate plus a margin and may increase after the loan is opened on the first day of January, April, July or October. Your actual rate and terms will be disclosed at the time of approval. Repayment example: For a $10,000 loan with a repayment term of 60 months (5 years) at an APR of 9.00%, the monthly payment would be approximately $207.58. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law. For current rate information, please visit our Rates page.
All loans are subject to credit approval and OAS FCU lending policies. You must be or become an OAS FCU member to apply. You may repay this loan in full or in part at any time without penalty.
Annual Percentage Rates (APRs) are variable and depend on creditworthiness, loan term, and other qualifying factors. Variable rates are tied to the Wall Street Journal Prime Rate, to which a margin is applied, and may increase after the loan is opened. Your actual rate and terms will be disclosed at the time of approval. Repayment example: For a $10,000 loan with a repayment term of 48 months (4 years) at an APR of 9.00%, the monthly payment would be approximately $249.36. This example does not constitute a credit offer. The APR will not exceed the maximum permitted by applicable law. For current rate information, please visit our Rates page.
Loan proceeds must be used for qualified post-secondary education expenses, including tuition, books, and related fees. Proof of the expense, such as an invoice or receipt, is required prior to disbursement. Disbursements may be made directly to you or to the educational institution, as applicable.
IRAs are available only to U.S. citizens or legal residents with a valid Social Security Number.
Traditional IRAs offer tax-deferred growth and possible tax deductions—consult a tax advisor for details.
IRA Share Certificates require an active Traditional IRA and have a fixed 36-month term with early withdrawal penalties.
Rewards are earned only through the OAS FCU Rewards Checking Account. Monthly qualification requirements include at least fifteen (15) qualifying debit card purchases that post and clear during the qualification period, enrollment in eStatements, and at least one qualifying direct deposit per month. Automatic recurring debit card payments do not count toward qualification.
When qualification requirements are met, the reward is determined by the account’s average daily balance: accounts with an average daily balance of $6,000 or more earn a preferential dividend rate on qualifying balances, while accounts with an average daily balance below $6,000 may earn cash back on qualifying debit card purchases, as described in the Truth in Savings Disclosure.
If qualification requirements are not met, the non-preferential dividend rate applies to the entire balance for that period. Terms and conditions apply.
Credit card approval and terms are subject to underwriting criteria and applicable membership requirements. For Visa Classic and Visa Platinum cards, APRs are based on your creditworthiness, and credit limits are determined based on factors such as your income, credit profile, and ability to repay. Secured Visa cards use a fixed credit tier, and credit limits are based on the amount of the pledged deposit. Not all applicants will qualify for the highest credit limit.
OAS FCU does not charge foreign transaction fees. Currency conversion is generally performed by Visa using an exchange rate available at the time of authorization or processing of the transaction. The rate applied may differ from rates shown in Visa’s exchange rate calculator and may vary based on transaction timing. If a merchant or ATM operator performs the currency conversion, Visa’s exchange rate may not apply.
Credit approval required. Applicants must meet OAS FCU membership eligibility requirements and credit underwriting criteria. Purchase and cash advance Annual Percentage Rates (APRs) are variable, based on the Prime Rate, to which we apply a margin determined by creditworthiness. Rates may change quarterly, are capped at 18.00% APR, and will not exceed the maximum rate permitted by law.
Points are earned under the ScoreCard® Rewards program, including base rewards and ScoreMore® promotional bonus point features, and are awarded only on eligible purchase transactions. Certain transactions, including balance transfers, cash advances, fees, interest charges, and other non-purchase transactions, do not earn points. Point expiration policies are established by OAS FCU. Reward catalogs, bonus offers, redemption options, pricing, and program functionality are administered by a third-party service provider and are subject to applicable terms, conditions, and availability.
OAS FCU reports Secured Visa Classic account activity to Equifax®, Experian®, and TransUnion®. Credit reporting practices are subject to applicable law and may affect your credit profile.
Credit approval required. Applicants must meet OAS FCU membership eligibility requirements and applicable underwriting criteria. The Secured Visa Classic has a variable Annual Percentage Rate (APR) that is set according to a standard secured credit card pricing category. Rates may change, are capped at 18.00% APR, and will not exceed the maximum rate permitted by law.
Member Testimonials
Empowering Our Members to Reach Their Goals
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“Overall, you do an EXCELLENT job keeping us informed, offering to have our participation in designs, and assisting on a regular basis with a friendly, professional, and patient customer service! THANK YOU OAS!!!”
“Keep up the good work.”
“Keep on the good work and customer satisfaction!”
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We are dedicated to supporting the financial well-being of our members.
Join us today and experience the difference that comes with being part of OAS FCU — a community built on trust, care, and cooperation.
We’re global.
Serving members around the world with solutions that move with you.
You’re not just banking — you’re building a future.
Every account, every choice, every action strengthens our shared community.
Together, we create solutions that put people before profits.
Turning everyday finances into lasting well-being.
Your membership is more than an account — it’s belonging.
Belonging to a community that values trust over profit, care over numbers, and well-being above all else.
Discover Our Story
People helping people — it’s how it all began.
OAS FCU was founded in 1962 by colleagues from across the Americas who believed in one simple idea: people helping people.
More than six decades later, we’ve grown into a global cooperative with thousands of members in over 38 partner organizations — and one shared purpose: to support the financial well-being of our members with trust, care, and cooperative values that put people first.
Our Values
The cooperative principles that guide every decision we make — service, transparency, empathy, and shared growth.
Our Annual Report
See how we’re growing stronger, more sustainable, and more connected each year.
Our Volunteers
Meet the dedicated members who help lead and represent our cooperative across borders.
Educational Resources
Latest Financial Education
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Building My Emergency Savings Pathway
This pathway guides you step-by-step through building a personalized emergency savings plan to ensure financial security in times of need.
The cost of living
William Simon, U.S. Treasurer in the 70s, used to say that Americans had a love-hate relationship with inflation. We hated it, but we loved everything that caused it. Learn about the cost of living, the CPI, and how they determine the state of the economy.
About that crazy inverted yield curve
Recently in the news there's been a lot of chatter about the “crazy inverted yield curve”. As it’s a much talked-about economic topic, we wanted to explain this inverted yield curve, why it happens and what it means for the economy.
How to send money with Zelle® safely
Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA mom, or your son's soccer coach. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money.
Protect Yourself
from fraud!
Fraud keeps changing—stay one step ahead. Learn the latest scams, get practical tips to protect yourself, and report suspicious activity quickly.
Need some
Financial Guidance?
Counselors work with you to create a plan tailored to your needs, whether you want to reduce debt, strengthen your credit, manage expenses, or build long-term stability.
Resource Center
Latest Blogs, News, Press Releases & More
A tax deduction for new cars: What you need to know
11/05/2025 Terry Inskip
If you are thinking about buying a new car in the future, there is a new car loan tax deduction that could make the decision a little easier—and a lot more affordable.
Free up some cash for the holiday season with OAS FCU
11/01/2021 Terry Inskip
We have several options that can provide you a bit of extra cash for the holiday season!
Virtual appointments with OAS FCU
02/01/2021 Terry Inskip
Here’s how to use the new virtual appointment service from the Credit union.
ARM vs. Long-Term Balloon. Which make more sense?
10/27/2018 Patricia
Choose the appropriate home and mortgage program!
Buying a car in 6 steps
10/23/2018 Patricia
Buying a car requires research. That’s why we’re here to help you figure out the important things, ensuring that you get the right set of wheels at the right price.
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