Member Benefits - OAS FCU

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- - Rewards CheckingAvailable to all members; in order to qualify for rewards, you must have your salary deposited at OAS FCU and meet other requirements
  - Overdraft Line of CreditAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
- - Share SavingsAvailable to all members, worldwide
  - RoundUp Savings AccountAvailable to all members, worldwide
  - Share CertificatesAvailable to all members, worldwide
  - Savings ClubAvailable for all members who can make monthly deposits
  - Retirement Account (IRA)Available to all members who have salary in the United States. Note that not all members may benefit from the tax exemption on deposits to an IRA account
  - InvestmentsOur investment services are available to all members, worldwide
- - Signature LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - International Personal LoanFor those that live outside of the US, have been a member of OAS FCU for over one year and have a regular income
  - Green Loan
  - Deposit Secured LoanAvailable to all members who have savings at OAS FCU
  - Post-Secondary Education LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Private Student Loan
  - Student Loan RefinancingAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Loan Payment Portal\
  - Insurance
- - Vehicle LoanAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Vehicle RefinanceRefinancing available for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Equity LoanAvailable for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Buying ServiceAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Loan Payment Portal\
  - Insurance
- - Mortgage LoansWe finance properties in certain areas in the United States. Members of OAS FCU who live abroad but have their salaries deposited at OAS FCU may qualify
  - Home Equity Line of Credit
  - Loan Payment Portal\
  - Insurance
- - OAS Retirement & Pension Plan LoanAvailable to all members who participate in the OAS Retirement and Pension Plan
  - IICA Recognition of Years of ServiceAvailable to all members who receive the Fund in Recognition for Years of Service benefit from IICA
  - OAS Benefits LoanAvailable to all members who are OAS Staff
  - Recognition for years of service CAF
  - Loan Payment Portal\
- - Debit CardNav
  - Travel Notice

Join OAS FCU

Member Benefits
Benefits offered through our partners

In order to win in this new era, we have to collaborate with trusted and specialized organizations to find new ways to be relevant to you, by being able to offer innovative new products, services, and member experiences to remain competitive and evolve with your needs.

With that in mind, we have delved further into beneficial collaborations, and have already partnered with different organizations to offer you additional benefits and experiences:

Global Insurance Coverage:

We have partnered with Worldwide Coverage Network* to provide you with a variety of affordable domestic and international insurance products to help you meet your specific needs.

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Auto Buying Service

Our exclusive Auto Buying Service, powered by TrueCar®, provides a stress-free experience and guaranteed savings on new or used vehicles. No cost. No obligation. Now offering a buy from home option.

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GAP Insurance

GAP (Guaranteed Asset Protection) Insurance protects you in the event that your vehicle is damaged beyond repair, or if it is stolen and not recovered. This insurance covers the difference between the market value of the vehicle (according to the Kelley Blue Book) and the loan balance.

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Mechanical Repair Program

Car problems are inconvenient and expensive. To protect members against many of the costly repairs no longer covered by your vehicle’s manufacturer’s warranty, we offer MEMBER’S CHOICE® Mechanical Repair Coverage.

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Legal and Identity Theft Protection

No matter how traumatic or trivial your situation, we are here to help. Unexpected legal and identity theft issues arise every day. With LegalShield on your side, you have the power to access legal and identity theft advice and services when you need them, all for one low monthly fee.

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Hotel and Auto Discounts

Traveling soon? Browse our numerous discounts on hotels and rental cars to find the perfect deal.

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Discounted Theater Tickets

Next time you order tickets for one of GALA Hispanic Theater performances, receive a special OAS FCU member discount of 10% by entering “OASFCU” in the promotional code box at checkout.

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Auto Collision Damage and Theft Protection

When you use your OAS FCU Visa Debit or Credit Card to reserve and pay for your entire auto rental, you can be covered for damage to the rental vehicle that results from a collision or theft.

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Home & Auto Insurance Program

Bundling home & auto insurance is the best way to save money! It also makes it even easier to manage, since both policies will be with the same sole provider. We also rely 100% on real humans for all your quotes, no geckos involved; we don’t cut corners.

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Accidental Death & Dismemberment (AD&D) Insurance

Death can come to us at a moment’s notice. Since we still don’t have the knowledge to accurately predict it, we offer our members the next best thing; you know… insurance should you meet your untimely demise or dismemberment.

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- *All insurance products offered through Worldwide Coverage Network, LLC, a licensed insurance agency, are insurance products obtained from licensed, third party insurance carriers.
  
  Insurance products offered or sold by Worldwide Coverage Network, LLC, are not deposits, are not insured by the National Credit Union Share Insurance Fund, and are not guaranteed by OAS FCU. Provision of any banking service or the offering of any loan or other extension of credit is not conditioned upon the purchase of insurance through Worldwide Coverage Network, LLC or any specific insurance agency.

Auto Collision Damage and Theft Protection

To activate the coverage, complete the entire rental transaction with your OAS FCU Visa Card and decline the rental company’s collision damage waiver (CDW) coverage if they offer one. Make sure your name is listed as the primary renter on the auto rental contract. Any additional drivers must also be listed on the auto rental agreement. You’ll also want to be sure that you rent a “covered vehicle” – for example, trucks and luxury cars are not covered.

Mechanical Repair Program

Good at any authorized repair facility in the U.S. or Canada

Rental reimbursement

24-hour emergency roadside assistance

Travel expense reimbursement

Full refund within the first 60 days or a pro-rated refund thereafter (minus an administrative fee)

No out of pocket expenses at time of mechanical repair (except for any deductible and any repairs not covered by the policy) – the covered repair is paid directly to the authorized repair facility by the plan.

Want more information? Click here.

To sign up, contact us at [email protected]

GAP Insurance

Low, one-time cost that can be added into your loan or purchase at any time during your loan

For both new and used vehicles

Protection is provided for the life of the loan, up to 84 months

Protects vehicles valued up to $100,000

Provides $1,000 for a down payment on a replacement vehicle, if the auto loan is financed through OAS FCU

Refunds your insurance deductible up to $500

For more information, contact [email protected]

Auto Buying Service

Get a pre-negotiated price and a stress-free buying experience

Access thousands of public dealer and factory incentives to save you more money

Tell us what you’re looking for and we’ll show you how much others have paid for that car, so that you’ll always get a fair price.

Work with our pre-screened dealers to ensure a better car buying experience with a hassle-free deal

Access unlimited price and market reports, plus compare features, see pictures, read reviews, and check your trade-in value

Introducing Buy from Home with Home Delivery

Handle all aspects of your vehicle purchase without ever needing to go into the dealership. Have your vehicle delivered to you and complete your paperwork at home.

Have your vehicle delivered to you

Start your paperwork online; complete it at home

Enhanced sanitization and safety precautions

Look for the Buy From Home badge when choosing dealerships to connect with.

Get Started

Global Insurance Coverage

Worldwide Coverage Network prides to offer the best insurance alternatives of different leading insurance companies locally and globally, and build long-lasting relationship with their clients, our members.

For Members residing in the U.S:

Auto Insurance

Condo, Co-op, Renters insurance

Flood Insurance

Health Insurance

Homeowners Insurance

International Travel & Medical insurance

Life Insurance

Pet Insurance

Trip cancellation insurance

For service inquiries or to schedule a free assessment, call 202-817-8273 or send an email to [email protected].

Accidental Death & Dismemberment (AD&D) Insurance

Accidents can happen anytime. Be prepared.

A serious or fatal accident could change your family’s life in a heartbeat. In fact, accidents are the third leading cause of death for people of all ages.*

That’s why you’re entitled to $0 of no-cost TruStage^® Accidental Death & Dismemberment Insurance—an exclusive member benefit fully paid for by O A S Staff Federal Credit Union.

You can enroll in your no-cost coverage in just a few minutes. If you choose, additional insurance is available for you or your entire family at budget-friendly rates. Your acceptance is guaranteed—with no health questions or medical exam.

Since accidents can happen anytime, there’s no better time to help protect the people who matter most.
I Need Insurance, I Am Not Invincible

*Accident statistic from National Safety Council “Injury Facts,” 2018.

TruStage^® Accidental Death & Dismemberment Insurance is made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company, PO Box 61, Waverly, IA 50677‑0061. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.

Base Policy Series E10a-015-2012, E10a-014-2012, E10a-ADD-2012 and 2018-ADD-POL

© 2020 TruStage Insurance Agency

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Home & Auto Insurance

TruStage^® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage® Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote online today or call 1-888-380-9287.

TruStage® Auto & Home Insurance Program is made available by TruStage. Coverage provided and underwritten by Liberty Mutual® Insurance and its affiliates, 175 Berkeley Street, Boston, MA 02116 USA © 2020 Liberty Mutual® Insurance.

To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC, PO Box 61, Waverly IA 50677-0061. Individual premiums and savings will vary.

*Discounts are not available in all states, and discounts vary by state.

© 2020 TruStage Insurance Agency

AUT-2948937.1

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