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Discover the advantages and opportunities of having an account in the United States.

We are here to help you achieve your financial goals and provide you with exceptional service

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A world of benefits that not everyone can enjoy.

At OAS FCU, we take pride in offering a wide range of benefits and services designed to improve your financial well-being. Become a member, open your account, and start enjoying the financial stability, global access, convenience, and borderless financial support that only OAS FCU can offer you. Don’t miss the opportunity to be part of our exclusive group of shareholder members and take advantage of all the benefits we have for you. Explore our products and services:

Our checking and savings accounts allow you to earn dividends and receive rewards. They are also insured for up to $250,000 by NCUA to provide you with peace of mind.
Access to digital tools for full control of your money. You will be able to make transactions and manage your finances quickly and securely.
Our loan programs are designed to help you make the most of your money and obtain the financing you need with competitive interest rates, including the loan guaranteed with your recognition of years of service benefit.
If you are looking to invest in real estate in the United States, we have special mortgage programs designed to help you achieve your goals.
Credit card options that adapt to your needs and lifestyle, including the Platinum VISA with great rewards.
Family membership to share the benefits of belonging to OAS FCU with your loved ones and enjoy all the advantages together.

Our Rates Our fees Our Advantages Schedule a Virtual Appointment

More benefits, beyond borders.

Join OAS FCU and enjoy the numerous advantages and enhanced security that come with having a United States-based account.

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APR*	Term	Type of vehicle
5.50% - 13.50%	Up to 4 years	New & Used (3 Years Old - 2022 or newer)
5.99% - 13.99%	Up to 6 years	New & Used (3 Years Old - 2022 or newer)
5.25% - 13.25%	Up to 4 years	New & Used (3 Years Old - 2022 or newer) Hybrid/Electric cars only
5.74% - 13.74%	Up to 6 years	New & Used (3 Years Old - 2022 or newer) Hybrid/Electric cars only

APR*	Term	Loan Amount
6.50% - 16.50%	Up to 5 years	Any, when approved
7% - 17.50%	Between 6 and 7 years	Any, when approved
8.50% - 9.50%	Between 8 and 9 years	Over $50,000

APR*	Term	Loan Amount
7% - 17%	Up to 5 years	Any, if approved
7.50% - 18%	Between 6 and 7 years	Over $35,000

Type	APR*	Term	Loan Amount
New	8.50% - 18.00%	Up to 5 years	Any, when approved
Used	9% - 18.00%	Up to 5 years	Any, when approved

Type of Loan	APR*	Term	Loan amount
Green Loan	8.44%**	Up to 42 months	Up to $15,000
Signature	11.50% - 18.00%	Up to 6 years	Up to $35,000
Deposit Secured (Shares and Share Certificates)	2.5% above the rate paid on deposit pledge	Up to 10 years	Available balance on deposit pledge
Post-Secondary Education Loan	9.50% - 11.50%	Up to 4 years	Up to $15,000
International Personal Loan	18%***	Up to 3 years	Up to $5,000

Type	Term	Rate
Fixed	30, 20, 15 and 10 years	Today's Rate
Balloon	15, 10 and 7 years	Today's Rate
ARM	15/15, 10/1, 7/1 and 5/1 year	Today's Rate
FHA Fixed	30 and 15 years	Today's Rate
VA Fixed	30 and 15 years	Today's Rate

Type	APR*	Terms	Loan Amount
OAS Retirement & Pension Plan	8%	Up to 15 years	Up to $65,000
IICA Recognition of Years of Service	8%	Up to 15 years	Up to 100% of accrued benefit
OAS Benefits	10.50%	Uo to 10 years	Up to $10,000

Type	APR*	Credit Limit
VISA Platinum	13.25% - 16.25%	Up to $30,000
VISA Classic	11.25% - 17.99%	Up to $10,000
Balance Transfer(1)	2.25%	Up to available credit

Term	Dividend Rate	APY**	Minimum amount
6 months	4.25%	4.34%	$500
6 months jumbo	4.30%	4.39%	$100,000
12 months	4.75%	4.86%	$500
12 months jumbo	4.80%	4.92%	$100,000
18 months	3.70%	3.77%	$500
18 months jumbo	3.75%	3.82%	$100,000
24 months	3.85%	3.92%	$500
24 months jumbo	3.90%	3.98%	$100,000
30 months	3.65%	3.72%	$500
30 months jumbo	3.70%	3.77%	$100,000
36 months	3.70%	3.77%	$500
36 months jumbo	3.75%	3.82%	$100,000
48 months	3.75%	3.82%	$500
48 months jumbo	3.80%	3.87%	$100,000
60 months	3.85%	3.92%	$500
60 months jumbo	3.90%	3.98%	$100,000

Term	Dividend Rate	APY**	Minimum Amount	Rate Increase
24 months	3.60%	3.67%	$2,500	One time
24 months jumbo	3.65%	3.72%	$100,000	One time
36 months	3.45%	3.51%	$2,500	One time
36 months jumbo	3.50%	3.56%	$100,000	One time
48 months	3.50%	3.56%	$2,500	Twice
48 months jumbo	3.55%	3.61%	$100,000	Twice
60 months	3.60%	3.67%	$2,500	Twice
60 months jumbo	3.65%	3.72%	$100,000	Twice

Type	Term	APY*	Requirements
Tax	12 months	0.65%	Monthly Deposits
Holiday	12 months	0.65%	Monthly Deposits
Vacation	12 months	0.65%	Monthly Deposits

Type	Dividend Rate	APY**	Minimum Amount
Traditional IRA		0.65%	$2,500
IRA Share Certificate (36 Month)	3.70%	3.77%	$2,500
Jumbo IRA Share Certificate (36 Month)	3.75%	3.82%	$100,000

Online banking	No charge
Mobile banking	No charge
Online bill pay	No charge
eStatements	No charge
To an external account	No charge
CardNav	No charge

Credit card re-issue	No charge (5)
Dormant credit card PIN reactivation	$15
Credit card/PIN replacement	$15
Credit card temporary limit increase	$15
card application	No charge
Credit card balance transfer	No charge
Credit card cash advance	No charge
Credit card late payment	$25
Credit card expedited payment	$15
Credit card management (oasfcu.mycardinfo.com)	No charge

Debit card re-issue	No charge (5)
Dormant debit card PIN reactivation	$15
Debit card/PIN replacement	$15
Debit card temporary limit increase	No charge
International debit card transaction fee	1.5% of the total transaction amount (ATM or purchases*)
card application	No charge

Transfer from secondary account to cover overdraft	$5 each transfer
Overdraft caused by share draft/ACH (1)	$25 each
Extended overdraft	$5 per day after first 5 business days
Returned check/ACH due to non suficient funds (1)	$25 each
Cashier check	$5 each - No charge if member has 3+ services
Cashier check copy	$2.50
Copy of cashed check	$ 5 – No charge online
Stop payment - Check/ACH	$10 each
Checks sent for collections	Cost charged by paying bank(s)
Dormant account (2)	$5 per month
Remote check deposit return due to missing/incomplete information	$5
Returned outside/third party deposited check	$10
Check-book cost	$12.27 for 40 checks - $19.49 for 80 checks (3)
Check-book reorder	$19.49 for 80 checks (4)
Debit card re-issue	No charge (5)
Dormant debit card PIN reactivation	$15
Debit card/PIN replacement	$15
International debit card transaction	1.5% total amount debited (ATM or purchases*)
Statement copy/ transaction history	$1 each statement page
Account research	$25 per hour
Balance verification/letters of reference	$5 - No charge if member has three services or more
Account verification requested by creditors	$15 each

	Within accounts or to a credit union member	No charge if requested using the Online Banking -
Transfers via ACH
	To a person within the U.S.	$5 if requested using the Online Banking - $10 if requested by DocuSign or email
	To a business within the U.S.	$10 if requested using the Online Banking - $15 if requested by DocuSign or email
	To a person outside the U.S.	$10 if requested using the Online Banking - $15 if requested by DocuSign or email
	To a business outside the U.S.	$15 if requested using the Online Banking - $20 if requested by DocuSign or email
	International ACH trace	$25 per item
	Research of an ACH transaction	$25
	Recurrent monthly debit origination for deposits	$5 to set up recurrent plus $2 per month
	Same day ACH	$7
Wire Transfers
	To a person or business within the U.S. via Wire	$15 if requested using the Online Banking - $25 if requested by DocuSign, email or fax
	To a person or business outside the U.S.	$35 if requested using the Online Banking - $45 if requested by DocuSign, email or fax
	Incoming wire	No charge
	Wire confirmation	$5
	Wire recall /Wires with errors	$15 each + cost charged by other bank
	Research for Wire transaction	$25 each

Processing vehicle titles	$50 + DMV cost
Skip-a-Payment	$5 each loan
Single debit origination to pay for a loan	No charge
Recurrent monthly debit origination to pay for loan	No charge
Late fee for consumer loans	4% of the monthly payment after 30 days past due
Late fee for HELOCs	4% of the monthly payment after 10 days past due
Late fee for mortgages	5% of the monthly payment after 15 days past due