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Rewards Checking
Make every purchase count with a Share Draft Rewards Checking Account that gives back.
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.
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.
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.
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.
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.
Green Loans
Our low-rate2 Green Loan powers your energy-saving and sustainability-related upgrades without the heavy upfront cost.
Secured Loans
Use your share savings or share certificate as collateral — unlocking better variable loan rates without giving up your savings.1,2
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.
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.
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.
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.
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).
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.
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
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.
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.
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.
Debit Card
Access thousands of surcharge-free ATMs, earn rewards through your Rewards Checking account, control spending, and pay securely everywhere you go.
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.
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
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.
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.