Whether it’s your loan or credit card, OAS FCU makes repayment effortless
Applying is fast and simple. Whether online, or in branch, we’ll get you approved quickly so you can access your funds without delay4. No application fees.
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Answer a few quick questions to get the enrollment process started!
How to Apply
- Login to your Online Banking
- Under the ‘Loans’ tab, select ‘Personal Loan & Credit Card’ or 'Personal Loan'
- Follow the steps fill out the form and select Personal Loan when prompted
Frequently Asked Questions
A secured loan lets you borrow money using your savings or share certificates as collateral. This means you can access funds at lower interest rates while your pledged deposits remain on hold, continuing to earn dividends. It’s a smart way to borrow while keeping your savings intact and earning dividends—giving you flexibility, lower costs, and peace of mind. With these loans, their variable loan rates are based on the dividend rate that you obtain on the share account or share certificate that you are offering as security, to which we apply a small margin.
All loans are subject to credit approval, OAS FCU lending policies, and eligibility verification.
You can apply online through our secure portal via Online Banking or our Mobile app. Prefer face-to-face? Visit one of our branches for personalized assistance.
A full credit inquiry is part of the final approval process to understand your creditworthiness. While this may cause a small, temporary dip in your score, it’s usually minor and short-lived. What truly impacts your credit is missing payments or applying for multiple loans in a short period. Staying on top of your payments and applying thoughtfully helps keep your credit healthy. International Loans are approved based on employment verification and membership history rather than a U.S. credit score.
No—you don’t need to be living in the U.S. or be a citizen to apply. Our loan programs are available to eligible members living in the U.S. or abroad. Just remember—vehicles, sustainability-related and energy-saving projects, and homes financed must be located in the U.S. All loans are subject to OAS FCU membership eligibility and applicable regulatory requirements.
Once approved, we usually deposit your funds within one business day after signing your loan documents; however, OAS FCU we cannot guarantee any specific time frames, as factors such as application volume, verification, and approval may affect the processing of your specific loan.
In most cases, OAS FCU will deposit your loan funds within 24 hours after loan approval and signing. Processing times may vary depending on verification and the funding method that you request.
You have several convenient ways to make your loan payments. Use our Loan Payment Portal—accessible through Online Banking or as a guest on our website—to pay securely online using a linked bank account or debit card (U.S. or international). You can also set up automatic transfers from your checking or savings account for convenient, on-time payments. Prefer the traditional route? Mail your payment by check or use your bank’s bill-payment service—or ours—to pay on your own schedule.
Note that your financial institution (not OAS FCU) may charge a processing fee for making this type of payment using their debit card.
No. You can pay off your loan anytime without extra fees. OAS FCU does not charge prepayment penalties, and most loans do not have application or origination fees. Paying early may reduce the total interest that you pay over time.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.