The maximum you can borrow with our green loan initiative is $15,000.

Yes. During the application process, we obtain a credit report for the borrower (and cosigner, if applicable). With it, we assess creditworthiness and ability to repay the loan.

Yes, this loan qualifies for our Skip-a-Payment program.

With Skip-a-Payment you have the ability to skip up to two (non-consecutive) monthly credit union loan payments each year, whenever it’s most convenient for you.

To enroll, complete the Skip-a-Pay form, indicating the month you would like to skip your payment, and return it to the Credit Union at least five days before your payment is due.

Please note: Skipping payments does not defer interest. Interest will continue to accrue on the outstanding principal balance during the skipped payment period, which may result in higher total finance charges. Loan maturity dates may also be extended. Other terms and conditions may apply.

You may establish automatic payments from any of your OAS FCU accounts in the follong ways:

• Via payroll deduction (for OAS Staff and IICA Staff)
• Making or scheduling payments from your Online Banking either from your OAS FCU accounts or from the linked accounts from other financial institutions
• Sending a check by mail
• Establishing an ACH from another financial institution

We never charge a fee for applying, originating, making prepayments or paying your loan off early.

Yes, you can. For more information or to submit your application email us at: [email protected].

Yes. you can make as many additional payments as you want without any fee or penalty for paying off the loan before the term.