Mortgage Archives - OAS FCU

Skip nav to main content.

- - Rewards CheckingAvailable to all members; in order to qualify for rewards, you must have your salary deposited at OAS FCU and meet other requirements
  - Overdraft Line of CreditAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
- - Share SavingsAvailable to all members, worldwide
  - RoundUp Savings AccountAvailable to all members, worldwide
  - Share CertificatesAvailable to all members, worldwide
  - Savings ClubAvailable for all members who can make monthly deposits
  - Retirement Account (IRA)Available to all members who have salary in the United States. Note that not all members may benefit from the tax exemption on deposits to an IRA account
  - InvestmentsOur investment services are available to all members, worldwide
- - Signature LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - International Personal LoanFor those that live outside of the US, have been a member of OAS FCU for over one year and have a regular income
  - Green Loan
  - Deposit Secured LoanAvailable to all members who have savings at OAS FCU
  - Post-Secondary Education LoanAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Private Student Loan
  - Student Loan RefinancingAvailable for all members in the US, and for members who live abroad whose salary is deposited at OAS FCU
  - Loan Payment Portal\
  - Insurance
- - Vehicle LoanAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Vehicle RefinanceRefinancing available for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Equity LoanAvailable for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Auto Buying ServiceAuto loans for vehicles in the United States only. Members living outside the qualifying areas but whose payroll is deposited at OAS FCU might qualify
  - Loan Payment Portal\
  - Insurance
- - Mortgage LoansWe finance properties in certain areas in the United States. Members of OAS FCU who live abroad but have their salaries deposited at OAS FCU may qualify
  - Home Equity Line of Credit
  - Loan Payment Portal\
  - Insurance
- - OAS Retirement & Pension Plan LoanAvailable to all members who participate in the OAS Retirement and Pension Plan
  - IICA Recognition of Years of ServiceAvailable to all members who receive the Fund in Recognition for Years of Service benefit from IICA
  - OAS Benefits LoanAvailable to all members who are OAS Staff
  - Recognition for years of service CAF
  - Loan Payment Portal\
- - Debit CardNav
  - Travel Notice

Join OAS FCU

Mortgage

CUMA, the Credit Union Mortgage Association, is the partner we choose to provide the processing, underwriting and servicing for our mortgage programs.

Private Mortgage Insurance (PMI) is a type of mortgage insurance from private insurance companies used with conventional loans. Similar to other kinds of mortgage insurance policies, PMI protects the lender if you stop making payments on your home loan.

Every situation is different, and based on our membership diversity, we have implemented different programs and procedures to include all. For us, credit score is only one of the factors that we evaluate in order to pre-approve a loan.

To find out if you qualify, send us an email to: [email protected]

Closing costs will vary, but they’re typically 3% to 5% of the purchase price. We’ll be able to give you a more accurate estimate of closing costs after you tell us more about the loan you’re looking for.

A pre-approval letter indicates how much you can get approved for and what your interest rate will be. Once you’re pre-approved, we’ll create a pre-approval letter that you can download and print.

Yes, we offer different alternatives to a traditional down payment. To find out more email us at: [email protected]

Your Mortgage rate is determined based on a variety of factors, including inflation, the pace of economic growth, and US Federal Reserve policy.

With a fixed-rate mortgage loan, your rate won’t change and your monthly principal and interest payments will stay the same over the life of your loan.
With an adjustable rate mortgage loan, your rate is fixed for the first 3, 5, 7 or 10 years (depending on your term) and will adjust every 12 months based on current market rates.

We offer different types of programs and terms to fit both new purchases and refinancing needs, but since we understand the different profiles and lifestyles, we recommend that you speak with one of our loan officials to see what’s right for you ([email protected]). Once they know more about you and what you’re looking for, they’ll help you understand all the options and guide you to get started.

Leaving Our Website

You are leaving OAS FCU’s website and linking to an alternate website not operated by the credit union. OAS FCU is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. The privacy practices of the alternate site may differ from those practiced by the credit union. You should review the privacy policy of any site before providing any information.