OAS FCU was established by people from all over the Americas coming together to create a financial institution to serve their unique needs. We are inclusive by nature, and solutions-oriented by design.

As a member-owned cooperative, we prioritize our members’ needs, helping to ensure support and fair treatment during challenging times and good times alike.

Our professionals will take the time to understand your unique financial situation and provide tailored solutions.

Solutions and Financial Assistance Programs Available to Members

Flexible Loans for Life’s Unexpected Situations

Explore options that can provide the funds you need:
• Signature Loans
• Credit Card limit increase
• HELOCs
• SEG Benefit Loans
…..• Recognition for years of service CAF
…..• IICA Recognition of Years of Service
…..• OAS Benefits Loan
…..• OAS Retirement & Pension Plan Loan

Debt Consolidation

See how combining high-interest debt into one single payment may help save money today and in the future:
• Credit Card Programs and Balance Transfer Options
• Signature Loans

Skip-a-Payment 

Learn how you can skip a payment – or two – on eligible loans:
• Skip-a-Payment Program¹
• For members with real estate loans facing financial hardship, we offer payment extensions that may provide forbearance

Loan Payment Portal 

Take advantage of online access to your loan account(s) to save time and money when making payments:
• Loan Payment Portal
• Manage payments from an international account or any account in the U.S.

Financial Counseling

Receive unlimited one-on-one financial counseling services personalized to your needs and designed to improve your financial health:
• Financial counseling services provided through our partnership with GreenPath

Solutions Personalized to Your Needs and Goals

We understand that every member’s circumstances and needs are unique. That’s why we’re committed to providing personal assistance to help identify options and solutions that fit.
• Schedule a virtual appointment at your convenience

¹You may request to defer two non-consecutive loan payments per year. Please note that the loan will continue to accrue interest during the deferral period and will extend the term of the loan. A processing fee applies to each loan payment skipped and will be deducted from your account upon completing your request to defer payments. Skip-a-Pay is not available during the first 6 months of the loan. You must be a member in good standing to qualify; a member in good standing is one who is up to date in their obligations and has not caused a loss to OAS FCU. You are responsible for stopping any automatic payments or payments scheduled through another financial institution. Receipt of the request form does not guarantee eligibility; your request to Skip payments may be denied. Skip-a-Pay may affect GAP claims; see your GAP agreement for more details.

Review Your Insurance for Ways to Save

We recommend periodically reviewing your insurance coverage for opportunities to save money while optimizing your protection.

OAS FCU members living inside and outside the US can take advantage of free insurance policy reviews with our bilingual advisors from the Worldwide Coverage Network. Our specialists will help you:

• Identify potential savings opportunities
• Avoid unnecessary payments for coverage you don’t need
• Ensure policies are up to date and reflect your current situation

Schedule your quick, no-obligation review!

Financial Education Resources

Knowledge is power. Learn how to take control of your finances now:

• Protecting Your Identity
• Creating a Budget
• Establishing and Maintaining Credit
• Managing Debt
• Talking Finances with Family
• Understanding Taxes

Explore All Resources

Community Resources for Our Members in the Greater DC area

Following is a collection of links to information about community-based and non-profit organizations that offer financial assistance:

• HOUSING ASSISTANCE
Emergency Rental Assistance Program: STAY DC is a financial assistance program for D.C. renters and housing providers who are looking for support to cover housing and utility expenses and offset the loss of income. Check eligibility and apply at https://stay.dc.gov.For utility assistance, visit https://doee.dc.gov/energyassistance.

• HEALTHCARE ASSISTANCE
Medicaid: A joint federal/state health insurance program that provides coverage to low-income and/or disabled individuals and families: https://www.dchealthlink.com/individuals/medicaid
Alliance: A locally funded program that provides medical assistance to District residents who are not eligible for Medicaid: https://dhcf.dc.gov/service/health-care-alliance
DC Healthy Families: Free health insurance to DC residents who meet certain income and U.S. citizenship or eligible immigration status requirements: https://www.dchealthyfamilies.com/en

• UNEMPLOYMENT ASSISTANCE
Unemployment Insurance (UI): Temporary financial assistance to qualified individuals who meet the eligibility requirements of the District. Apply for UI benefits: https://does.dc.gov/page/apply-unemployment-benefits
Unemployment Compensation for Federal Employees (UCFE): Unemployment compensation for former Federal employees who lost their employment through no fault of their own: https://does.dc.gov/service/unemployment-compensation-former-federal-employees

Protect Your Personal and Financial Information

In challenging times, it is especially important for members to be vigilant about the security of their personal and financial information.

• Online Banking login credentials (user ID and/or password) or security access code
• Debit or credit card PINs
• Full debit or credit card numbers and expiration dates
• A Social Security Number, taxpayer ID, passport or driver’s license number, or any other private information
• One-time security codes that were sent via text or email