Skip nav to main content.


  • Yes, it is a line of credit from which you may request advances as you need them. 

  • OAS FCU members who are employed by CAF and have accrued funds available may request a loan of up to 100% of the available funds in recognition of their years of service

  • If you are not a member of OAS FCU, you must establish your membership and open an account with the Credit Union to have your payroll deposited there. After that, you will need to request a letter stating the current available accumulated balance in your name at the time of your application from the Human Resources department’s head office. Then, you will need to fill out and sign the Irrevocable Loan Guarantee document and the loan application. Our Loan Department will process your application and inform you of their decision.  

  • Yes, this loan is included in our Skip-a-Pay program. On this program, you may request to defer two non-consecutive loan payments per year, whenever it is most convenient to you. To request it, fill out the request form to let us know for which month(s) you would wish to skip loan payment(s), and send it to us at least five days before the next deferred payment is due.  

  • If you pay off the loan completely before your work at CAF ends, you will receive 100% of the available accumulated funds. If you have a balance on this OAS FCU loan, the amount due will be paid off by CAF as part of your liquidation, and we will close the line of credit. This is what has been agreed between CAF and OAS FCU, and something to which you agreed via the Irrevocable Loan Guarantee that you signed when applying for the loan.