Yes. NCUA protection applies to all OAS FCU members, regardless of where you live. The coverage rules are the same, though some account types (for example, IRAs or certain trust structures) may require U.S. tax identifiers or extra documentation to open at OAS FCU. 

Each ownership category is insured separately and aggregated by category up to $250,000. This means that all accounts you hold within the same ownership category are added together and insured up to the applicable limit.

You may have separate coverage across different ownership categories — such as individual accounts, joint accounts, retirement accounts (IRAs), and certain trust categories.

Use the estimator or contact Member Services to better understand your total coverage.

The National Credit Union Share Insurance Fund, administered by NCUA (the National Credit Union Administration), is a U.S. government agency that protects eligible deposit accounts at federally insured credit unions—like OAS FCU—up to $250,000 per ownership category. Eligible accounts include savings, checking, and share certificates. Coverage is automatic when you open qualifying accounts. 

Most CO-OP ATMs are in the U.S. and parts of Canada. If you’re abroad—you can use the NYCE, STAR, Cirrus, Pulse, or Plus networks.⁴

Please note that international transactions often carry a surcharge—usually around 1.5% of the transaction amount—charged by the ATM operator and possibly other fees outside OAS FCU’s control.⁵

ATM fees usually include two charges: one from your bank for using an out-of-network ATM, and another from the ATM owner as a convenience fee. At OAS FCU, we don’t charge fees for using any ATM but please note the ATM owner may charge a fee.^3,4,5  To avoid fees, always use CO-OP Network ATMs or Citibank branch ATMs listed above.

Yes! The Secured Visa card helps you build credit safely from scratch with monthly reporting to bureaus.

Visa updates its exchange rate daily at 2:05 PM Central U.S. time, applied to foreign currency transactions with no markups.

We recommend notifying us before traveling to avoid interruptions and keep your card working smoothly.⁵

Yes, link bank accounts or debit cards (U.S. or international) for automatic or manual payments.⁶

Set up automatic recurring payments via Online Banking, the Card Management Site, or the Loan Payment Portal. Prefer manual payments? Mail a check, use your bank’s bill pay service to pay VISA or our branches, pay in person at a branch, or call us or VISA for help.⁶

Vizo Financial Corporate FCU processes wire transactions for over 1,200 credit unions, including OAS FCU.

Once Vizo receives the funds, they credit our corporate account, and we post the final credit to your OAS FCU account.¹⁰

No. Incoming wires are free.

Please note: the sending institution and any financial intermediaries may charge their own fees.¹⁰

Yes. To protect your account, we may contact you before releasing funds.¹

Some institutions require additional verification before posting. You or your beneficiary may need to provide documentation.¹

Not necessarily. We can process applications for members living abroad through secure online systems.¹

Yes. We have experience lending to G-4 and similar international statuses within our approved field of membership.¹

We regularly serve employees from the OAS, CAF, IICA, and other international institutions within our Field of Membership.¹

Under Statements & Documents, choose Manage Paperless Statements, accept the disclosure, and select Electronic.

You can view your loan statements, escrow details, tax and income (T&I) disclosures, annual 1098 tax forms, and correspondence.