Secure a Smarter Loan
Put your deposits to work double. Borrow up to 100% of your share savings or share certificate balance1,2 while continuing to earn dividends on the account3.
You're eligible!
Log in to save time with pre-filled info and speed up your application
Need to enroll in online banking?
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.
New to OAS FCU?
No problem! Become a member and apply for your loan as soon as you’re approved.
Disclosures
-
All loans are subject to credit approval and OAS FCU lending policies. Membership eligibility is required. You must be or become an OAS FCU member to apply. Loans may be repaid in full or in part at any time without penalty.
-
Funds pledged as collateral will be frozen and unavailable for withdrawal until the loan is repaid in full. If you pledge a share certificate as collateral, it must be renewed for the life of the loan, or you must pay the loan in full upon maturity of the certificate.
-
Dividends will continue to accrue on the balance of the pledged share or certificate account; they are not earned on the loan itself.