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OAS FCU

Rates & Fees

  • Rates

     

    Loan Rates

    Rates are effective as of 01/01/2024

     

     

    New Vehicle Loan – Variable Rate

    APR*TermLoan Amount
    6.50% - 16.50% Up to 5 yearsAny, when approved
    7% - 17.50%Between 6 and 7 yearsAny, when approved
    8.50% - 9.50%Between 8 and 9 yearsOver $50,000

    * APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

    Used Vehicle Loan – Variable Rate

    APR*TermLoan Amount
    7% - 17% Up to 5 yearsAny, if approved
    7.50% - 18%Between 6 and 7 years Over $35,000

    * APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

    Boats, Motorcycle and RVs – Variable Rate

    TypeAPR*TermLoan Amount
    New8.50% - 18.00%Up to 5 yearsAny, when approved
    Used9% - 18.00%Up to 5 yearsAny, when approved

    * APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

    Personal Loans

    Type of LoanAPR*TermLoan amount
    Green Loan8.44%**Up to 42 monthsUp to $15,000
    Signature11.50% - 18.00%Up to 6 yearsUp to $35,000
    Deposit Secured (Shares and Share Certificates)2.5% above the rate paid on deposit pledgeUp to 10 yearsAvailable balance on deposit pledge
    Post-Secondary Education Loan 9.50% - 11.50% Up to 4 years Up to $15,000
    International Personal Loan18%***Up to 3 yearsUp to $5,000

    * APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

    ** This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.

    ****This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. Based on the results of your credit evaluation, and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers’ relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months. Sample repayment schedule: the monthly payment for a 3-year loan with the current rate would be $35.65 for every $1,000 borrowed.

    Fixed Rate Personal Loans

    Type of LoanAPR**TermLoan Amount
    Green Loan8.44%*Up to 42 monthsUp to $15,000

    * This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.

    ** APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.

    ***Fixed rate limited time offer loans.

    Mortgage

    TypeTermRate
    Fixed30, 20, 15 and 10 years Today's Rate
    Balloon15, 10 and 7 yearsToday's Rate
    ARM15/15, 10/1, 7/1 and 5/1 yearToday's Rate
    FHA Fixed30 and 15 yearsToday's Rate
    VA Fixed30 and 15 yearsToday's Rate

    Home Equity Line of Credit

    APR*Term
    8% - 13%For the remainder of the term - up to 15 years

    * The OAS FCU Home Equity Line of Credit currently has an Annual Percentage Rate (APR) that is non-variable for the first 12 months of the loan. After that, the interest rate will be variable -indexed based on the Prime Rate, to which a margin is added- and therefore subject to change without notice on any of the following dates: the first day of January, April, July, or October each year. To view OAS FCU’s current HELOC rate, visit our Rates page. The rate after the 12-month introductory fixed rate period ends would currently be X.XX% APR as of [Date]. The rate on this loan will never exceed 18% APR. An OAS FCU Home Equity Line of Credit is available for owner-occupied properties only. It is subject to a credit and repayment evaluation process, and you may not qualify or may qualify for a loan with different terms. OAS FCU will lend a maximum of 80% combined Loan-to-Value (CLTV) based on the appraised value of the property. The minimum Home Equity Line of Credit amount is $20,000 with an initial advance of $5,000. Later advances will be at least $500. The draw period will extend for the first five (5) years after the opening of the line of credit. Appraisal, tax recording and other closing costs apply and will be at your expense. Please consult a tax advisor on the tax deductibility of interest.

    OAS, IICA & Other SEGs

    Type APR*TermsLoan Amount
    OAS Retirement & Pension Plan 8%Up to 15 yearsUp to $65,000
    IICA Recognition of Years of Service 8%Up to 15 years Up to 100% of accrued benefit
    OAS Benefits10.50%Uo to 10 years Up to $10,000

    * APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

    Credit Cards

    Type APR* Credit Limit
    VISA Platinum 13.25% - 16.25%Up to $30,000
    VISA Classic 11.25% - 17.99%Up to $10,000
    Balance Transfer(1)2.25% Up to available credit

    * APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied.

    (1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.

    Deposit Account Rates

    Rates are effective as of 01/01/2024

     

    Share Savings

    APY*Share Value
    0.40% $5

    *APY Annual Percentage Yield.

    Reward Checking

    APY*Balance
    0.05%-2.05%**See below

    *APY Annual Percentage Yield

    ** 2.05% APY applies to balances of $0 - $6,000 and 0.05% APY applies to balances over $6,000 if qualifications are met during the monthly qualification cycle, as well as to all balances if monthly qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions

    Regular Share Certificates

    TermDividend RateAPY**Minimum amount
    6 months 4.25%4.34% $500
    6 months jumbo4.30%4.39% $100,000
    12 months 4.75%4.86% $500
    12 months jumbo 4.80%4.92% $100,000
    18 months 3.70%3.77% $500
    18 months jumbo3.75%3.82% $100,000
    24 months 3.85%3.92% $500
    24 months jumbo3.90%3.98% $100,000
    30 months 3.65%3.72% $500
    30 months jumbo3.70%3.77% $100,000
    36 months 3.70%3.77% $500
    36 months jumbo3.75%3.82% $100,000
    48 months 3.75%3.82% $500
    48 months jumbo3.80%3.87% $100,000
    60 months 3.85%3.92% $500
    60 months jumbo3.90%3.98% $100,000

    ** APY Annual Percentage Yield.

    Step-Up Share Certificates

    TermDividend RateAPY**Minimum AmountRate Increase
    24 months 3.60%3.67% $2,500 One time
    24 months jumbo 3.65%3.72% $100,000 One time
    36 months 3.45%3.51% $2,500 One time
    36 months jumbo3.50%3.56% $100,000 One time
    48 months 3.50%3.56% $2,500 Twice
    48 months jumbo3.55%3.61% $100,000 Twice
    60 months 3.60%3.67% $2,500 Twice
    60 months jumbo3.65%3.72% $100,000 Twice

    ** APY Annual Percentage Yield.

    Savings Club (does not include Reward Club accounts)

    TypeTermAPY*Requirements
    Tax12 months 0.65% Monthly Deposits
    Holiday12 months 0.65% Monthly Deposits
    Vacation12 months 0.65% Monthly Deposits

    *APY Annual Percentage Yield.

    Retirement Accounts (IRA)

    TypeDividend RateAPY**Minimum Amount
    Traditional IRA 0.65%$2,500
    IRA Share Certificate (36 Month) 3.70%3.77%$2,500
    Jumbo IRA Share Certificate (36 Month) 3.75%3.82%$100,000

    ** APY Annual Percentage Yield.

    Overdraft Protection

    Dividend RateCredit Limit
    13.99%Up to $7,000
  • Fees

    Online & Mobile Fees

    Online banking No charge
    Mobile banking No charge
    Online bill payNo charge
    eStatements No charge
    To an external accountNo charge
    CardNavNo charge

    Credit Card Fees

    Credit card re-issue No charge (5)
    Dormant credit card PIN reactivation $15
    Credit card/PIN replacement $15
    Credit card temporary limit increase $15
    card applicationNo charge
    Credit card balance transferNo charge
    Credit card cash advanceNo charge
    Credit card late payment $25
    Credit card expedited payment$15
    Credit card management (oasfcu.mycardinfo.com)No charge

    Debit Card Fees

    Debit card re-issue No charge (5)
    Dormant debit card PIN reactivation $15
    Debit card/PIN replacement $15
    Debit card temporary limit increase No charge
    International debit card transaction fee 1.5% of the total transaction amount (ATM or purchases*)
    card applicationNo charge

    Share & Checking Account Fees

    Transfer from secondary account to cover overdraft $5 each transfer
    Overdraft caused by share draft/ACH (1)$25 each
    Extended overdraft$5 per day after first 5 business days
    Returned check/ACH due to non suficient funds (1) $25 each
    Cashier check$5 each - No charge if member has 3+ services
    Cashier check copy $2.50
    Copy of cashed check$ 5 – No charge online
    Stop payment - Check/ACH $10 each
    Checks sent for collections Cost charged by paying bank(s)
    Dormant account (2)$5 per month
    Remote check deposit return due to missing/incomplete information$5
    Returned outside/third party deposited check$10
    Check-book cost $12.27 for 40 checks - $19.49 for 80 checks (3)
    Check-book reorder$19.49 for 80 checks (4)
    Debit card re-issue No charge (5)
    Dormant debit card PIN reactivation $15
    Debit card/PIN replacement $15
    International debit card transaction 1.5% total amount debited (ATM or purchases*)
    Statement copy/ transaction history$1 each statement page
    Account research $25 per hour
    Balance verification/letters of reference$5 - No charge if member has three services or more
    Account verification requested by creditors$15 each

    (1)ACH (Automated Clearing House), and NSF (Non-sufficient Funds).
    (2)After 12 months of account inactivity if balances less than $500.
    (3) First order of 40 free.
    (4) One re-order of 80 free per year if active direct deposit for past 6 months.
    (5) Mailing costs may apply.
    (*) This applies to cash advances, in-person transactions and purchases from online merchants located outside the United States.

    Money Transfer Fees

    Within accounts or to a credit union memberNo charge if requested using the Online Banking -
    Transfers via ACH
    To a person within the U.S. $5 if requested using the Online Banking - $10 if requested by DocuSign or email
    To a business within the U.S. $10 if requested using the Online Banking - $15 if requested by DocuSign or email
    To a person outside the U.S. $10 if requested using the Online Banking - $15 if requested by DocuSign or email
    To a business outside the U.S.$15 if requested using the Online Banking - $20 if requested by DocuSign or email
    International ACH trace $25 per item
    Research of an ACH transaction                    $25
    Recurrent monthly debit origination for deposits$5 to set up recurrent plus $2 per month
    Same day ACH$7
    Wire Transfers
    To a person or business within the U.S. via Wire$15 if requested using the Online Banking - $25 if requested by DocuSign, email or fax
    To a person or business outside the U.S.$35 if requested using the Online Banking - $45 if requested by DocuSign, email or fax  
    Incoming wireNo charge
    Wire confirmation$5
    Wire recall /Wires with errors$15 each + cost charged by other bank
    Research for Wire transaction                    $25 each

    Loan Fees

    Processing vehicle titles $50 + DMV cost
    Skip-a-Payment$5 each loan
    Single debit origination to pay for a loanNo charge
    Recurrent monthly debit origination to pay for loanNo charge
    Late fee for consumer loans4% of the monthly payment after 30 days past due
    Late fee for HELOCs 4% of the monthly payment after 10 days past due
    Late fee for mortgages5% of the monthly payment after 15 days past due