Our Rates
Share Savings
| APY* | Share Value |
|---|---|
| 0.05% | $5 |
*APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.
Reward Checking
| APY* | Balance |
|---|---|
| 0.03%-2.03%** | See below |
*APY Annual Percentage Yield
** 2.03% APY applies to balances of $0 - $6,000 and 0.03% 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
Overdraft Protection
| APR* | Credit Limit |
|---|---|
| 13.99% | Up to $7,000 |
APR means annual percentage rate. Rates are current as of November 1, 2018. These OAS FCU loan rates are variable and subject to change without notice. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller line of credit than you requested; your application might also be denied.
Regular Share Certificates
| Term | APY* | Minimum amount |
|---|---|---|
| 6 months | 0.10% | $2,500 |
| 12 months | 0.35% | $2,500 |
| 12 months jumbo | 0.40% | $100,000 |
| 18 months | 0.40% | $2,500 |
| 18 months jumbo | 0.45% | $100,000 |
| 24 months | 0.50% | $2,500 |
| 24 months jumbo | 0.55% | $100,000 |
| 30 months | 0.75% | $2,500 |
| 30 months jumbo | 0.80% | $100,000 |
| 36 months | 0.60% | $2,500 |
| 36 months jumbo | 0.65% | $100,000 |
| 48 months | 0.70% | $2,500 |
| 48 months jumbo | 0.75% | $100,000 |
| 60 months | 0.80% | $2,500 |
| 60 months jumbo | 0.85% | $100,000 |
*APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.
Step-Up Share Certificates
| Term | APY* | Minimum Amount | Rate Increase |
|---|---|---|---|
| 12 months | 0.10% | $2,500 | One time |
| 12 months jumbo | 0.15% | $100,000 | One time |
| 18 months | 0.15% | $2,500 | One time |
| 18 months jumbo | 0.20% | $100,000 | One time |
| 24 months | 0.25% | $2,500 | One time |
| 24 months jumbo | 0.30% | $100,000 | One time |
| 36 months | 0.35% | $2,500 | One time |
| 36 months jumbo | 0.40% | $100,000 | One time |
| 48 months | 0.45% | $2,500 | Twice |
| 48 months jumbo | 0.50% | $100,000 | Twice |
| 60 months | 0.30% | $2,500 | Twice |
| 60 months jumbo | 0.35% | $100,000 | Twice |
*APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.
Jr. Share Certificates
| Term | APY* | Amount | Monthly Deposit Required |
|---|---|---|---|
| 12 months | 0.15% | $500 | Over $50 and up to $1,000 |
| 24 months | 0.30% | $500 | Over $50 and up to $1,000 |
| 36 months | 0.40% | $500 | Over $50 and up to $1,000 |
| 48 months | 0.50% | $500 | Over $50 and up to $1,000 |
*APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.
Savings Club (does not include Reward Club accounts)
| Term | APY* | Requirements |
|---|---|---|
| 12 months | 0.30% | Monthly Deposits |
*APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.
Retirement Accounts (IRA)
| Type | APY* |
|---|---|
| Traditional IRA | 0.15% |
| IRA Share Certificate (36 Month) | 0.60% |
*APY Annual Percentage Yield. The APY listed is valid as of April 1, 2021.
New Vehicles
| APR* | Term | Loan Amount |
|---|---|---|
| 4.00% - 11.25% | Up to 5 years | Any, when approved |
| 4.00% - 12.25% | Between 6 and 7 years | Any, when approved |
| 4.00% - 4.25% | Between 8 and 9 years | Over $50,000 |
*APR means annual percentage rate. Rates are current as of March 31, 2021. This is a variable rate and subject to change any time. 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, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
Available for the purchase of new and used vehicles up to 10-years old.
Auto Loan Specials
| APR* | Term | Type of vehicle |
|---|---|---|
| 1.74% | Up to 4 years | New & Used (3Yrs Old) |
| 2.49% | Up to 6 years | New & Used (3Yrs Old) |
| 1.49% | Up to 4 years | New & Used (3Yrs Old) Hybrid/Electric cars only |
| 2.24% | Up to 6 years | New & Used (3Yrs Old) Hybrid/Electric cars only |
*APR means annual percentage rate. This is a limited time offer. 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, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
This fixed interest rate loan special is available for the purchase of new and used vehicles up to 3-years old.
Used Vehicles
| APR* | Term | Loan Amount |
|---|---|---|
| 4.00% - 11.75% | Up to 5 years | Any, if approved |
| 4.00% - 12.75% | Between 6 and 7 years | Over $35,000 |
*APR means annual percentage rate. Rates are current as of March 31, 2021. This is a variable rate and subject to change at any time. 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, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
Available for the purchase of new and used vehicles up to 10-years old.
Boats, Motorcycle and RVs
| Type | APR* | Term | Loan Amount |
|---|---|---|---|
| New | 4.00% - 13.25% | Up to 5 years | Any, when approved |
| Used | 4.00% - 13.75% | Up to 5 years | Any, when approved |
* APR means annual percentage rate. Rates are current as of March 31, 2021. This is a variable rate and subject to change at any time. 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, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.
Personal Loans
| Type of Loan | APR* | Term | Loan amount |
|---|---|---|---|
| Green Loan | 4.22%** | Up to 42 months | Up to $15,000 |
| Signature | 6.25% - 16.25% | Up to 6 years | Up to $35,000 |
| Deposit Secured (Shares and Share Certificates) | 2.5% above the rate paid on deposit pledge | Up to 10 years | Available balance on deposit pledge |
| Post-Secondary Education Loan | 4.25% - 6.25% | Up to 4 years | Up to $15,000 |
* APR means annual percentage rate. Rates are current as of March 4, 2020. This is a variable rate and subject to change at any time. If the rate goes up, it might affect the amount of your monthly payment. 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, your rate will be within this range. 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.
Personal Special: Relief
| APR* | Term | Loan Amount |
|---|---|---|
| 5.25% | Up to 3 Years | Up to $15,000 |
| 5.50% | Up to 4 years | Up to $15,000 |
| 5.75% | Up to 5 years | Up to $15,000 |
* APR means Annual Percentage Rate. The listed rate is fixed will not change during the life of your loan. Depending on your credit history and repayment ability, you might not qualify for this loan. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.
Fixed rate limited time offer loans.
Home Equity Line of Credit
| Interest Rate* | Term |
|---|---|
| 4.00% - 7.25% | Up to 15 years |
* This is a variable rate and subject to change any time; 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, your rate will be within this range, you might be approved for a smaller loan than you requested, and/or certain other conditions may apply; your loan might also be denied. The maximum annual percentage rate of a Home Equity Line of credit is 18%.
HELOC Introductory Rate Special
| Interest Rate* | Term | Interest Rate* After First Year |
|---|---|---|
| 2.50% | The first 24 months | As listed above (4.00% - 7.25%) |
* APR: Annual Percentage Rate. The rate is non-variable for the first 24 months of the loan. After that, the interest rate will be variable and therefore subject to change without notice on any of the following dates: the last day of March, June or September or December. The rate after the 24-month introductory fixed rate period ends is currently set starting a 4.00% APR as of March 31, 2021. The rate on this loan will never exceed 18% APR. An OAS FCU’s 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 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. Subsequent advances will be of a minimum of $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.
Limited time offer for the listed discounted fixed rate.
OAS, IICA & Other SEGs
| Type | APR* | Terms | Loan Amount |
|---|---|---|---|
| OAS Retirement & Pension Plan | 5.25% | Up to 15 years | Up to $65,000 |
| IICA Recognition of Years of Service | 7.25% | Up to 15 years | Up to 100% of accrued benefit |
| OAS Benefits | 7.25% | Uo to 10 years | Up to $10,000 |
* APR means annual percentage rate. Rates are current as of March 31, 2021. These OAS FCU loan rates are variable and subject to change without notice; an increase in rate might affect your payment amount. 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 | 10.99% - 15.99% | Up to $30,000 |
| VISA Classic | 8.99% - 17.99% | Up to $10,000 |
| Balance Transfer(1) | 2.25% | Up to available credit |
* APR means annual percentage rate. Rates are current as of March 31, 2021. These OAS FCU loan rates are variable and subject to change without notice. Based on the results of your credit evaluation and the analysis of your repayment ability, you might be approved for a smaller line of credit than you requested; your application 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.