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.