A personal loan is an unsecured loan that gives you access to funds for virtually any expense—weddings, home improvements, debt consolidation, emergencies, and more. It doesn’t require collateral like a home or car.

All loans are subject to credit approval, OAS FCU lending policies, and eligibility verification.

Personal loans provide flexible financing for life’s planned and unexpected moments. They can help you consolidate high-interest debt into one manageable payment, often saving you money. Use them for home improvements, large expenses, or special occasions—all without having to use the funds you’ve set aside in savings. With competitive variable rates, clear terms, and no collateral requirements, you can borrow confidently and manage your payments with ease.

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.

Choosing the right loan is easier when you know what each offers. Here’s a quick guide to help you pick the best fit.

• Personal Loan: No strings attached—no collateral or special documents needed. Great for any personal expense.

• Post Secondary Education Loan: For students actively enrolled in a degree program. Covers tuition, books, and fees. This loan allows for you to have a cosigner.

• Green Loan: Designed for energy-saving and sustainability-related home improvements made in the US.

• Secured Loan: Use your savings or share certificates as collateral to unlock lower rates and borrow up to 100% of your deposit.

• International Loan: If you live and work outside the U.S., have been a member for at least two years, and have steady income, this unsecured loan is made for you—no U.S. Social Security Number or U.S. credit check required.

Need help deciding? Reach out to one of our loan officers—we’re here to guide you every step of the way.

All loans are subject to credit approval, OAS FCU lending policies, and eligibility verification.

For Personal Loan:
You may borrow between $1,000 and $35,000, depending on your creditworthiness and ability to repay. Log in to Online or Mobile Banking to submit your application. Variable rates are based on the Wall Street Journal Prime Rate, to which a margin is applied, and may change after the loan has been opened.

For Green Loan:
You can borrow up to $15,000, depending on your creditworthiness and ability to repay. Log in to Online or Mobile Banking to submit your application.
Note: This is a fixed rate loan, meaning that the rate will not change after the loan has been opened.

For International Loan:
You can borrow up to three times your monthly income, to a maximum of $5,000, depending on your verified income and membership history. Log in to Online or Mobile Banking to submit your application. Variable rates are based on the Wall Street Journal Prime Rate, to which a margin is applied, and may change after the loan has been opened.

For Secured Loan:
You can borrow up to 100% of your share savings or share certificate balance without withdrawing your funds. The pledged balance remains on hold as collateral, continuing to earn dividends while you access the cash you need. The rate on this loan is variable, based on the dividend rate currently paid on your pledged share or share certificate account(s), plus a margin, and may change after the loan has been opened.

For Post-Secondary Education:
You may borrow up to $15,000, depending on your creditworthiness and ability to repay. Log in to Online or Mobile Banking to submit your application and to see your personalized offer. Variable rates are based on the Wall Street Journal Prime Rate, to which a margin is applied, and may change after the loan has been opened.

Actual rates and terms for all loan types listed above will be disclosed at the time of approval.

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.

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.

You may be eligible to skip up to two non-consecutive payments per calendar year, available only after the loan has been open for at least six months. For vehicle loans, OAS FCU will allow a maximum of six skips over the life of the loan. A fee will be charged for each skip request, refer to the Schedule of Fees for details. Interest will continue to accrue, and deferring payments will extend the loan term and increase total interest paid. Skipped payments may impact Guaranteed Asset Protection (GAP) coverage. If applicable, see your GAP agreement for details. Skip-a-payment options are subject to eligibility, and approval is not guaranteed for every request. and approval is not guaranteed for every 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.

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.

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.