Frequently Asked Questions.

The Auto Equity loan applies only to OAS STAFF FCU members.

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.

You can complete your application in Online or Mobile Banking, or send an email to: [email protected]​

The equity of your vehicle is its current established value. To find out the current established value, we use the current NADA value, and subtract from it the balance of any car loan that you have outstanding. The remainder is your equity.

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. 

It is very simple, just follow these steps:

1. Under the login boxes, click the ‘Enroll in Online Banking’
2. Complete the Online Enrollment Form
3. Click the ‘Submit Enrollment’ button.

Once you submit the form, you will receive an email within 1-2 business days, with a one-time password to access the site. Then, you will be ready to download and access your Mobile Banking app.  Visit your app store and look for OAS FCU Mobile.

On the menu, click on the “Alerts” tab. Then, select the kind of activity for which you wish to be notified. You can also add information on when and how you want to be alerted.

On the menu, select “Statements” and then select “Statement Delivery Options”. Select the “Electronic” option, and you’re done! From then on, you will receive your Visa credit card statements online instead of by regular mail.

Change the text above to: As an OAS FCU credit card holder, you can enroll into the Card Management Site on your Online and Mobile Banking or by clicking here. To access the Site via the Online and Mobile Banking, click on ‘Other Accounts’ and then select ‘Manage my Credit Card’.

Log in to the Card Management Site and click on Account Services, and then “Dispute Transactions”. There, follow the instructions and our fraud department will open a case –as well as cancel your credit card to avoid additional fraudulent transactions. If you do not have online access to your account, please contact us:

• By phone: 202.458.3834
• or by email: [email protected]

To activate your OAS FCU Visa Debit card, follow these simple steps:

1. Insert your OAS FCU Debit Card at any ATM cash machine
2. Enter the Personal Identification Number (PIN) that you received by mail. If you wish to change your PIN, please email us at [email protected] for instructions
3. Request the balance on your checking account, or make a withdrawal

Because CardNav is a security app, notifications will pop up on your smartphone screen. You do not need to be logged in.

A separate CardNav account would be required for each card that belongs to a different credit union.

There is no limit to the number of cards that you can set up, as long as they are OAS FCU cards.

You can turn your cards off, leave them off as long as you want to, and only turn them back on when you want to perform transactions.

In order for a location control to work or an alert to be sent, the transaction will have to take place outside the area where your phone is located. Your smartphone, once CardNav is installed, must have locations services (GPS) enabled with permission to use the current location.

If your phone is turned off/without cellular service, or does not provide GPS location/coordinates, it will use the last saved GPS location. However, if this situation continues for more than eight hours, CardNav temporarily will ignore your set My Location preferences. Transactions would not trigger alerts or cause denials based on My Location preferences during this time; however, an alert would be generated informing you that a transaction took place that affected your My Location set rules.

Yes, the app will work as long as you have an internet connection on your smartphone.

Please contact OAS FCU directly with any support questions by emailing our card department at [email protected], or calling 202-458-3834.

​No, it’s a mobile app and is controlled via a smartphone.

After the initial registration and two-factor authentication, you will only need to log in with your used ID and password or a four-to ten- digit pass code if the application session has timed out.

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.

Some of the reasons why a secured loan might be right for you are:

• Immediate funding, often by the next business day.
• Preserve savings. You can continue earning interest on your savings and avoid early withdrawal penalties on your Share Certificate.
• Builds credit. If you have bad credit or no credit at all, these loans can help you build credit.
• Lower interest rate. You will get a lower annual percentage rate than a regular non-secured personal loan.

Your funds from your savings or share certificate account will be used as collateral to secure the loan.

Yes, you will have access to the funds that are not pledged, but you will continue to earn dividends on all of the funds in your account.

As you repay the loan, you will regain access to your pledged funds, equivalent to the amount you have paid off on the loan.

Our Share Certificates page can help you learn more about them. However, you do not need a Share Certificate to apply for this loan—you can also use your Share Savings account.

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.

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.

A home equity line of credit (HELOC) is revolving credit line. It is also secured by the equity in your home, but instead of receiving a lump sum of cash as with the Home Equity Loan, you have the ability to make draws on your revolving line of credit account. You can then borrow and pay back money as you need it, up to the approved credit limit.

HELOCs usually have a variable interest rate, so your monthly payment will depend on current interest rates and the amount of the credit line being used.

After you have been approved for the loan, you can easily access your funds through our online or mobile banking system.

There can be many benefits to using the equity in your home to borrow money, some of which may include:

• Potential tax benefits: Home equity and mortgage interest payments are often tax-deductible. Consult your tax advisor whether this will be the case for your loan, and for other information.
• Lower monthly payments: Interest rates on home equity financing are typically lower than on credit cards or other personal loans, which could mean lower monthly payments for you.

Yes. Closing fees on a home equity loan are similar to standard mortgage fees (3% to 5%).

You will also have to pay an appraisal fee to determine the current value of the home. This valuation will determine the amount you can borrow.

Getting a home equity loan is much like getting a first mortgage; you need to be approved based on the amount of equity in your home and your credit-worthiness. Our loan officers will be happy to analyze your case and give you the best advice.

Terms vary, but you can borrow up to 80 percent of your home’s current equity (or current market value of your home minus the principal amount owed on your first mortgage, plus any other liens). A current appraisal is required to determine the amount of equity you have in your home, and in turn, how much you can borrow.

Also known as second trust or second mortgage, is a loan that uses the equity you have in your home as collateral. The entire loan amount is given to you in a lump sum and you make fixed monthly payments, just like your regular mortgage.

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.

If you are not already an OAS FCU member, you will need to open an account with us.

Then you will need to  request an employee certification, prepared by the Human Resources Department, indicating your salary and the amount accumulated at the time of your request. In addition,  you will need to complete a collateral irrevocable guarantee form and the loan application. The loan department will then work on your application and will let you know once approved.

​If you have paid the entire debt before the termination of your employment, you will receive your Funds for Recognition of Years of Service 100%.

If you have a pending amount in your line of credit, the amount will be paid off with the liquidation of the Fund and the closing of the line of credit. This is an agreement between IICA and OAS FCU.

This line of Credit will save you money since it has a very loan interest rate in comparison to applying for a loan that you cannot guarantee.

Additionally, this line of credit can be use at your own pace. You can use it when needed, there is no maintenance fee, and you can pay off the debt before the end of the term with no penalty.

OAS FCU members who are IICA local employees may qualify for up to 90% of their accrued benefits. 

Members who are international staff of IICA may qualify of up to 100% of their benefits. Inquire at your Human Resources Department or our Lending Department to find out more.

Yes, this loan is a line of credit.

If you name a beneficiary on your account, the IRA will pass directly to them. You can also name a contingent beneficiary as a backup to your beneficiary. If there is no designated beneficiary, the account will pass to your estate.

No. You will not be able to borrow or use your IRA as collateral as the IRS strictly prohibits this.

Not at all. Roth or Traditional do not require deposit every year. However they do have limits on how much you can contribute a year.

Yes. If you are under age 50 you can contribute up to $6,000 in 2019, and if you’re age 50 or older, you can contribute an additional $1,000 for a total of up to $7,000.

A Traditional IRA will reduce your initial tax burden, since you can deposit the money without paying taxes on it, but you will pay taxes on your distributions in retirement. For a Roth IRA, you will pay taxes upfront, but won’t have to pay any taxes on the money when you withdraw it in retirement. Currently, OAS FCU only offers Traditional IRAs and Traditional IRA Certificates.

Payments will reflect immediately on your loan, even if it takes a couple of days for them to appear on the account from where the funds are withdrawn.  Keep in mind that the cut-off time to make a payment using this service is 5:00pm Eastern Time every business day. Payments made after that, during the weekend or on non-business days will be processed as of the next business day that the Credit Union is open. See your Loan Payment Portal Terms of Use and Agreement for a full explanation.  

Of course! Just keep in mind that there is a limit of $7,500 per payment transfer; if your loan balance exceeds that, you will need to make more than one payment. 

Don’t worry! All payments you make to OAS FCU using the Loan Payment Portal will be made to the Credit Union in United States Dollars (USD$). The exchange will occur when processing the payment through your debit card and will appear in your foreign account statement in that account’s currency.  

No, there’s no fee for using our secure Loan Payment Portal. This is just another example of OAS FCU difference and how we provide value to our members! 

OAS FCU members can use this option after enrolling in our Online and Mobile Banking. If someone else is making the payment for you, or if you are not registered to use our Online and Mobile Banking, they may access the Loan Portal through our webpage.   

You will need to enter your membership number and date of birth. Once you log in successfully, the system will display all your loans with OAS FCU. Simply select the one you want to pay for. You will have the option to save the email and/or mobile number and use the information to access the site the next time you want to make a payment.   

Any type of loan that you have at OAS FCU.

Yes. This tool is designed for one-time or recurrent payments using a checking account or Debit Card from another institution.  

All financial institutions are required to perform due diligence inquiries before crediting the funds. There may be additional information required to proceed. You and the beneficiary must respond to any requests for additional information

We are probably trying to contact you to verify the validity of the request. If you have not received a call back from us by 1pm standard time (EST) on the day you made the request, and your transfer has not gone through, please contact us at: [email protected].

Yes, in order to protect your assets. We will contact you before releasing any funds from your account.

We don’t charge any fee for receiving and processing an incoming wire transfer. However, there may be some costs involved by the financial institution originating the transaction.

​Yes. Anyone can send a wire transfer to your account. To receive funds to your OAS FCU account from another financial institution, Domestic or Foreign, you will need to supply the initiating institution with the following information:

1. Bank Name: VIZO FINANCIAL CORPORATE FCU
2. Bank Address: 1201 Fulling Mill Road, Middletown, PA 17057
3. Bank ABA/Routing Number: 231387550
4. Beneficiary Account Name: OAS STAFF FCU – (And your name)
5. Beneficiary Account Number- 254075069 – (And your OAS FCU account number)
6. Account Address- 1889 F ST NW, WASHINGTON DC 20006

You can also click here to generate the instructions in a PDF file.

Please note that OAS FCU’s BIC (BANK IDENTIFICATION CODE) is BIC-OFCUUS31. This code is used to identify the Credit Union as a Financial Institution but cannot be used as a SWIFT Code. VIZO/OAS FCU is not a member of SWIFT and does not use SWIFT Codes for wire transfers. If the financial institution sending the funds to your OAS FCU account is asking for a SWIFT Code or BIC, please consult them for guidance on how to address the request.

Vizo Financial Corporate CU is the financial institution used by more than 1,200 credit unions to process wire transfer transactions, including incoming wires. Once they receive the funds, they credit our corporate account and then we post the final credit to your personal account number at OAS FCU.

Not necessarily. Both transactions require a 9-digit number, but you will have to verify with the financial institution where you are sending the funds, if the ABA number for ACH or wires are the same, or which routing number should be used for a wire transfer and for the ACH.

An ABA Routing Number identifies a financial institution. It can be found in the bottom left section of the check. An ACH Routing Number identifies the clearing house.

All transfers can be managed from OASFCU Online or Mobile Banking. Under the “Transfer” tab, select the type of transfer you wish to make and complete the information related to each transaction.

You can use an ACH International if you are transferring funds to Mexico, Panama, Canada or any country in Europe.

You will need the following information:

1. Beneficiary: Name and address
2. Depending on the destination:
   • IBAN and BIC: If sending funds to Europe
   • CLABE (18-digit): If sending funds to Mexico
   • Receiver’s bank name and account number: If sending funds to Panama
   • Transit number, institution number and account number: If sending funds to Canada
3. Beneficiary Bank: Name

You will need the following information:

1. Beneficiary: Name, address and account number
2. Depending on the destination:

• IBAN: If sending funds to Europe or Brazil
• CLABE (18-digit): If sending funds to Mexico

3. Beneficiary Bank: Name and address
4. Currency: U.S. Dollars or foreign
5. Intermediary bank (if applicable): ABA and account number

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.

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.

​In order to qualify for this loan, you must be a current staff member of the OAS and have been employed by the organization for more than two years.

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.

​If you are not an OAS FCU member, you will need to open an account with us first. Once you become/are a member, you will need to complete this loan application.

If you have an outstanding balance in your line of credit, the amount will be paid off when the liquidation is processed and the line of credit will be closed. This is an agreement between OAS General Secretariat and OAS FCU.

This line of credit will save you money, since it has a very low interest rate compared to a regular signature loan, which cannot be guaranteed. Additionally, this line of credit can be used at your own pace. You can use it when needed, there is no maintenance fee, and you can pay off the debt before the end of the term with no penalties.

​You can request up to 75% of your OAS Retirement & Pension Plan. The maximum line of credit is $65,000.

Yes, this loan is a line of credit.

It is very simple, just follow these steps:

1. Under the login boxes, click the ‘Enroll in Online Banking’
2. Complete the Online Enrollment Form
3. Click the ‘Submit Enrollment’ button.

Once you submit the form, you will receive an email within 1-2 business days, with a one-time password to access the site. Then, you will be ready to download and access your Mobile Banking app.  Visit your app store and look for OAS FCU Mobile.

Mobile deposit is simple to use and highly secure. To use this feature simply follow these steps:

1. First make sure you’re registered on the mobile app and that you have it downloaded to your phone.
2. Then, take a picture of your endorsed (signed on the back) check with your smartphone.
3. Upload the picture directly to the app and follow the instructions to complete your deposit.

Yes, you can change it to Spanish! You can customize this setting as well as others, such as the order you want your transactions displayed.

You can set up alerts to receive email, text and even app notifications indicating:

• When the available balance is above or below certain amount
• When the loan balance is below certain amount
• Number of days before the monthly payment is due

On your online banking, when you mouse over the transaction, you will have the ability to send us a message about the transaction to start a dispute. If you do not have online access to your account please contact us:

• By phone: 202.458.3834
• or by email: [email protected]

It is very simple, just follow these steps:

1. Under the login boxes, click the ‘Enroll in Online Banking’
2. Complete the Online Enrollment Form
3. Click the ‘Submit Enrollment’ button.

Once you submit the form, you will receive an email within 1-2 business days, with a one-time password to access the site. Then, you will be ready to download and access your Mobile Banking app.  Visit your app store and look for OAS FCU Mobile.

No. There’s no monthly service fee to use Bill Pay.

If you have an OAS FCU checking account, a valid address in the U.S. and is going to be used to make payments to a person or a company within the U.S. you can activate the service.

First, you’ll want to make sure you’re enrolled in Online Banking. Next, follow these steps:

1. Sign in to your Online Banking. On the navigation bar, under “Payments”, select “Bill Pay”.
2. Click on the link that says “Click Here to Connect to Bill Pay”.
3. Select one of the questions on the menu and answer it. Read and agree to the Terms and Conditions by selecting the box “Yes, I accept the terms & conditions” and click the green “Go” button.

These are some valuable resources that can help you protect your account online:

• OAS FCU Online Security Education Center
• OAS FCU Identify Theft Education Center
• Identify Theft Protection Program

The amount of your monthly payment will be based on the limit of the line of credit you’ve established so that you never have to worry about your payment changing from month to month. For example: a $3,000 Overdraft Line of Credit has an established payment amount of $147 per month.

The interest rate, calculated daily, will start to accrue based on the end-of-day balance, and will be charged monthly until the negative balance is paid back in full.

If you want to set up a line of credit, you can apply for it in Online Banking. If you’d like to link your savings account, contact us today.

You have two options available for overdraft protection:

• The first option is to link your savings account to overdraft protection. With this option, if you overdraw your account, we will use the funds from your savings account instead, so your check won’t be returned.
• The second option is to set up a line of credit through OAS FCU as protection. You’ll only pay interest on the money you actually use, and you can pay it back as early as you want to.

It is very simple, just follow these steps:

1. Under the login boxes, click the ‘Enroll in Online Banking’
2. Complete the Online Enrollment Form
3. Click the ‘Submit Enrollment’ button.

Once you submit the form, you will receive an email within 1-2 business days, with a one-time password to access the site. Then, you will be ready to download and access your Mobile Banking app.  Visit your app store and look for OAS FCU Mobile.

There is a $500 maximum per payment and a daily limit of $2,000

If the receiver accepts the money with their debit card, they can receive it almost real time. If they use their checking account, it may take from 1-2 business days.

Payments sent using P2P service will be debited from your account immediately. The recipient has 10 days to collect the money. If the money is not collected in 10 days, you will be notified, and the funds will be credited back to your account within 1-2 business days.

No. You can send the payment to anyone regardless of where they have an account. They just need to have either a checking account or debit card with a US-based financial institution.

The email may land in the recipient’s spam folder, especially when using the service for the first time. Please make sure to ask the recipient to watch for an email or text before sending the payment. The email will come from “P2P Services”, and the associated email address will be [email protected]. A text will come from (678)264-6407

The recipient will be notified by email or text message, depending on the information you entered. If entering a phone number, ensure that it’s a U.S based cell phone.

The notification will have an Accept Money link that once is clicked, will take the recipient to a form where they will have complete some information, and select the method they want to used to be paid; either through their debit card or deposited into a checking account from any institution within the US.

If you wish to request a new PIN, or change the one you have, send us an email to [email protected] using our secure email system, or via Online and Mobile Banking. Make sure to include your name and phone number, and we will contact you to process your request.

Payments are processed and protected in the same manner as PIN-based point of sale debit card transactions.

You don’t need to enroll to take advantage of this service. As soon as you add your card to the P2P page, you will be able to use it.

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.

​Yes, you need to be enrolled in a degree in order to apply for this loan.

A cashier’s check will be issued and mailed to the school directly.

The conditional approval of your loan is based on an initial credit review and is not tied to your requested loan amount, so requesting a lower loan amount will not improve your chances of being approved.

Students can apply for this loan if they are enrolled at least half-time in a degree-granting program from an approved school. This application is credit-based, so if you do not have an established credit history and a steady source of income, a cosigner may be needed. All applicants must be either a U.S. citizen or permanent resident and must be at least the age of majority in their state of residence.

You may be able to borrow up to 100% of your school-certified cost of attendance. This may include tuition, room and board, textbooks, and other related education expenses. To figure out what expenses are part of your institution’s cost of attendance, check out your school’s financial aid website or contact your school’s financial aid office directly.

We typically recommend applying at least one month prior to when the funds are due or earlier. Conditional approval for a loan may occur quickly after an initial review of your application and credit report, however it is not final approval since you may be asked to submit additional supporting documentation (e.g., proof of income, identification, etc.). Your school must also certify your loan, which may add more time to your application process. While it generally takes less than thirty days to process and certify a loan, in some instances it may take several weeks.

This loan may be used for qualified education-related expenses that are certified by your institution. This may include tuition, room & board, transportation expenses, laptop, textbooks, and related materials. To figure out what expenses are part of your institution’s cost of attendance, check out your school’s financial aid website or contact your school’s financial aid office directly.

A cosigner is not required, but it may improve your chances of getting approved. Private student loans offered on LendKey’s website are credit-based, so a credit and income review will be performed. It can be difficult as a student to have an established credit history and a steady source of income, so a cosigner may help meet the loan application guidelines. Furthermore, a cosigner with an established credit history may help you qualify for better terms that could save you money in the long-term.

Typically, your cosigner may be a parent, grandparent, guardian or other adult who is creditworthy and willing to assume legal responsibility for the loan liabilities along with you. A cosigner may increase your chances of approval or help you qualify for better terms.

The age of majority is the age at which you are considered a legal adult by your state. In most states, the age of majority is 18, but it may be higher. It is important to check to see what it is for your specific state. Our participating lenders cannot generally lend to individuals who are below the age of majority.

No, you do not have to be a full-time student to qualify for a student loan. However, you must be enrolled at least half-time in a degree-granting program from an eligible school.

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.

It is very simple, just follow these steps:

1. Under the login boxes, click the ‘Enroll in Online Banking’
2. Complete the Online Enrollment Form
3. Click the ‘Submit Enrollment’ button.

Once you submit the form, you will receive an email within 1-2 business days, with a one-time password to access the site. Then, you will be ready to download and access your Mobile Banking app.  Visit your app store and look for OAS FCU Mobile.

To activate your OAS FCU Visa Debit card, follow these simple steps:

1. Insert your OAS FCU Debit Card at any ATM cash machine
2. Enter the Personal Identification Number (PIN) that you received by mail. If you wish to change your PIN, please email us at [email protected] for instructions
3. Request the balance on your checking account, or make a withdrawal

Yes. You can authorize overdraft protection on this account by pairing it with your savings account or a pre-approved line of credit.

Yes. All of our accounts are federally insured up to $250,000 by the National Credit Union Administration.

Yes. For your protection, you can withdraw up to USD $1,000 a day from an ATM. In addition, you can spend and/or make payments of up to USD $2,000 per day.

If needed, you can request a temporary increase in either of those limits by sending us a secured message from in Online Banking.

No. We don’t charge any fees for receiving an ACH, domestic or international wire transfer. However, sometimes there are intermediary banks involved in the transfer process, and they may charge a fee for their services that could impact the total amount you will receive.

If you are having funds wired to your OAS FCU account, please make sure you provide the following information:

To send funds to your OAS FCU account from another financial institution, you will need the following information:

Bank Name- VIZO FINANCIAL CORPORATE FCU

Bank Address- 1201 Fulling Mill Road, Middletown, PA 17057

Bank ABA/Routing Number- 231387550

Beneficiary Account Name- OAS STAFF FCU – And add your name after

Beneficiary Account Number- 254075069 – (And add your OAS FCU account number after

Account Address- 1889 F ST NW, WASHINGTON DC 20006

*OAS FCU does not have a BIC (BANK IDENTIFICATION CODE). This code is used to identify the Credit Union as a Financial Institution and cannot be used as a SWIFT CODE. VIZO/OAS FCU is not a member of SWIFT and does not use SWIFT CODES for wire transfers. If the financial institution sending the funds to your OAS FCU account is asking for a SWIFT Code or BIC, please consult them for guidance on how to address the request.

OAS FCU’s routing number is 25 40 75 06 9. It is used for electronic transfers made by ACH (including Direct Deposit) and for domestic wire transfers (from another financial institutions within the U.S.).

You can start earning rewards by simply doing the following:

• Have at least 15 debit card purchases post and settle
• Be enrolled in eStatements
• Have at least 1 direct deposit (ACH) post and clear

Please note that rewards you earn are deposited in a separate account called the “Rewards Deposit Account”. This way, you can see how you are being paid by banking with us. You can transfer the money to your checking account at any time, or keep it in the separate account and watch it grow.

To reorder checks you must:

1. Login to your Online banking
2. Select Reorder checks under the “Payments” tab
3. Select the account you want to order checks for (you will then be redirected to the check order site)
4. Review the information and choose “Proceed to Checkout”

Not to worry! If you don’t have sufficient funds in your checking account to cover the total round ups for the day, we’ll only transfer to your RoundUp Savings Account a partial amount, leaving your account balance at $0. Your checking account will not be overdrawn due to a round up.

Also, any pending automatic transfers you have in your checking account will be prioritized over round ups.

You have three options to set up your RoundUp Savings: $1, the default one, $5, or $10. Depending on your choice, each purchase will round up or increase to the nearest $1, $5, or $10.

You can cancel the program and remove your Debit Card at any time. Simply send an email to [email protected] with your request, and we will take care of it.

As the RoundUp Savings Program works through your checking account, for point-of-sale, online purchases, and Debit Card recurrent payments, it works exclusively with the Debit Cards associated with your checking account.

Your round ups are transferred at the end of the day as one lump sum. You won’t see the roundup of an individual transaction, but the aggregate of all round ups that took place that day. Also, each aggregate deposit will only be reflected in your RoundUp Savings Account the next day.

Yes, we will transfer the change from purchases from funds in your checking account to the RoundUp Savings Account.

No. Because this is your money, there are no limits except those imposed by the round up amount you select, and the available balance in your account.

Yes. In your checking account, it will appear as “DEBIT CARD ROUND-UP SAVINGS WITHDRAWAL” and “DEBIT CARD ROUND-UP SAVINGS DEPOSIT” in the RoundUp Savings Account.

You will also be able to access and manage the RoundUp Savings account with your Online and Mobile Banking.

No, because the transfers come from Debit Card purchases posted to your checking account.

No, participation in the RoundUp Savings Program is free, and best of all, you will also earn dividends to help you save even more.

There is no minimum deposit or balance requirement to open this account, and you must set up a payroll deduction or automatic transfer to transfer to maintain it. To access your funds to make tax payments, you must contact OAS FCU Member Services.

Yes. All of our accounts are federally insured up to $250,000 by the National Credit Union Administration.

You can set-up automatic monthly deposits in any of the following ways:

• Direct Deposit
• Transfers from other account at the Credit Union
• One of your linked accounts directly from your Online banking

The funds you have deposited and the dividends they have earned will be transferred to your savings or checking account on the second Friday of November, just in time for the holidays.

You will be able to withdraw the funds you deposited and the dividends you’ve earned at any of our surcharge-free ATM machines or using your debit cards the second Friday of May.

No, there is no minimum deposit requirements to open a club account. However, neither the initial deposit nor the monthly recurring deposits can exceed $1,000.

Your OAS FCU debit card is part of the CO-OP Network of Credit Unions, which provides access at 28,000 ATMs, including 9,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and Canada; and it gets even better! The CO-OP Network also has access to over 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse and Plus.

ScoreCard Rewards is a rewards program offering bonus points for qualifying purchases. Bonus points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages, and more.

Platinum Credit Card, go to www.scorecardrewards.com to set up an account and view your reward balance, search all the available redemption options, and more!

Simply use your Platinum Card for your purchases. You will earn bonus points based on your qualifying net purchases (purchases minus returns and/or other related credits), as long as your account is in good standing. You do not earn bonus points for cash advances, balance transfers, unauthorized or fraudulent charges, or fees of any kind on your card.

ScoreCard Rewards has partnered with PayPal to bring you more from your loyalty program. Now, when you shop online, you can choose to pay with PayPal and redeem your bonus points at checkout. Simply add your OAS FCU Platinum Card to your PayPal account to get started:

1. Go to PayPal and log in or create an account. Navigate to the “Wallet” page from the navigation bar.

2. Select “Link a credit or debit card” and enter your OAS FCU Platinum Card information. Click “Agree and Link” to connect rewards to your wallet. Choose your OAS FCU Platinum Credit Card as the default payment preference.

3. Visit Pay with Rewards on the PayPal Website.

ScoreMore is a unique feature of ScoreCard Rewards that allows you to earn additional bonus points at participating retailers online and in-store. Some retailers reward you when you shop online, and others when you shop in-store and sign for purchases. Some reward you for both! Visit www.scorecardrewards.com and look for “Offer Details” to learn more.

Here’s how:

1. Simply go to www.scorecardrewards.com

2. Click on the ScoreMore link and shop online or in-store at participating retailers

3. Use your OASFCU Visa Platinum Card for all purchases

4. Watch your bonus points add up quickl

No. To earn ScoreMore bonus points for qualified online purchases, you must access the participating retailer website from the ScoreMore link on www.scorecardrewards.com. Once you’ve accessed the retailer site, simply use your OASFCU Visa Platinum Card to make your purchases.

Log in to www.scorecardrewards.com and select “My Info” from the link located on the ScoreCard navigation menu at the top of the page. You can then click on either “Transaction History” or “Earnings History” to view the current month and/or past month’s earnings.

Yes. All of our accounts are federally insured up to $250,000 by the National Credit Union Administration.

The rate of your Share Certificate can be found under “Account Details” on Online and Mobile Banking.  If the current rate we offer for your term is higher than the interest rate you are getting paid, and you’re eligible for a rate increase, you can send us an email to [email protected] requesting your rate increase.

If you are not comfortable with the volatility of the market environment, you can chose a Step-Up Share Certificate, which gives you the option to raise your rate. If our rate goes up, you can raise yours once over the 1-year or 18-month term, and twice over the 2 or 3-year term.

You can open a share certificate in any of the following ways:

• Online: Complete the online application
• Phone: Call us at 202-458-3834
• Email: Send an application to [email protected]

You can allow the interest earned to remain in your account (and take advantage of compounding), have the interest transferred to one of the Credit Union accounts, or request that a check be mailed to you.

Additional deposits cannot be made until your term is completed. However, once your Share Certificate matures, you can deposit additional funds once during the grace period.

Yes. There are early withdrawal penalties associated with these type of accounts, which may reduce the principal in the Share Certificate. Please review the Truth in Savings disclosures for information on early withdrawal penalties for our Share Certificates.

We will send you a notification 30 days before your Share Certificate matures. When you receive the notification, you can request a deposit or term change. Your Share Certificate will automatically renew if you don’t take any action.

You can find this information in Online and Mobile Banking. Once you login, select the share certificate account you want to review. Under account details, the maturity date of your account will be displayed.

You can also send an email to [email protected] to request any information about your Share Certificate. In addition, you will receive an automatic notice 30 days prior to the maturity date.

It is very simple, just follow these steps:

1. Under the login boxes, click the ‘Enroll in Online Banking’
2. Complete the Online Enrollment Form
3. Click the ‘Submit Enrollment’ button.

Once you submit the form, you will receive an email within 1-2 business days, with a one-time password to access the site. Then, you will be ready to download and access your Mobile Banking app.  Visit your app store and look for OAS FCU Mobile.

Yes. All of our accounts are federally insured up to $250,000 by the National Credit Union Administration.

Federal law limits the number of certain types of withdrawals and transfers from deposit accounts (regular shares, club savings and checking accounts) to a combined total of six per calendar month per account.

There is no minimum balance requirement for this or any of our deposit accounts. However, you must keep a $5 deposit in your Share Savings Account that represents your share in the Credit Union.

OAS FCU is a member of the CU Service Center Shared Branch Network. Through this network, you can walk into any of our 2,700 shared branches nationwide and do your banking transactions.

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.

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.

Your funds will be directly deposited into your OAS FCU Checking account.

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

Every loan is different in this regard.

Please log into your online or mobile banking to submit your request, so that we can work on your application.

In addition to our underwriting criteria, you must also meet the following eligibility requirements:

• You and your cosigner (if applicable) are US citizens or permanent residents.
• You have graduated from an eligible school.
• You are refinancing private and/or federal loans.
• You are a member of OAS FCU (or become a member during the online application process; you must qualify to join).
• Note; Loans for exam preparation classes (including LSAT, MCAT, GMAT, and GRE), are not eligible for refinancing.

You should allow 2 weeks until funds are disbursed on approved loans, but it can take less or more time in some cases. Remember, once the process is completed, you should continue to make payments to your previous lenders up until you have confirmed that your previous loans are paid in full.

Once you’re conditionally approved, we may ask you to submit the following documents electronically:

• Proof of Identity: Government-issued ID (such as a driver’s license). If you’re a permanent resident, we’ll need your permanent resident card (or “Green Card”).
• Proof of Graduation: A school transcript, copy of the degree/diploma.
• Proof of Income: Copies of your two most recent pay stubs within the last 60 days. If your loan is cosigned, both you and the cosigner will need to submit these documents.
• Account statements for the loans that you wish to refinance (the last statement for each loan).

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.

Not all educational institutions are eligible for our program. Unfortunately, we’re not able to offer refinancing if the school from which you graduated isn’t on our eligibility list.

Yes, you must be a graduate of an eligible school to refinance your loan(s).

The minimum you can borrow is $5,000. The maximum you can borrow lifetime is $125,000 for undergraduate debt and $250,000 for graduate school debt.

If the borrower fails to repay the loan, the cosigner is responsible for payment. However, we offer the benefit of cosigner release, which is subject to approval. In order to qualify, the borrower must meet the following requirements:

• Make 12 months of consecutive, on-time full payments of principal and interest during the full repayment period (must occur immediately prior to the request for cosigner release). “On-time payment” means each payment is made no later than the 15th day after the scheduled due date of the payment. “Consecutive payment” means the regularly scheduled monthly payment must be made for 12 months straight without any interruption.
• The borrower’s account is not in delinquent status.
• The borrower must provide proof of income indicating that they meet the income requirements and pass a credit review, demonstrating that they have a satisfactory credit history and the ability to assume full responsibility for loan repayment.
• No bankruptcies or foreclosures filed in the last sixty (60) months; and
• No loan defaults on a student loan or with OAS FCU.

Yes. We will furnish information to the credit reporting agencies on both you and the cosigner.

A creditworthy cosigner increases the likelihood of loan approval and may lead to a lower rate. However, if you meet the credit and income requirements on your own, you may apply without a cosigner.

We have an advanced security system set up on our cards, called Falcon Fraud Protection. This detection system continually monitors your credit and debit card activity to help identify and prevent fraudulent transactions on your account.

If FalconFraud Prevention Service identifies an unusual activity, they will contact you directly to verify transactions on your card. If Falcon is not able to reach you directly, they will leave a voicemail with a call back number to verify the transactions. For security reasons, they may also block your account. 

This is why it is essential to notify us of your travel plans. We can then let Falcon know that your activity may change

Yes. Your OAS FCU debit card has a US $2,000 daily limit for purchases and/or payments, and a $600 limit for cash withdrawals*.

Log onto Online Banking and complete the travel notification form under my profile section so that our security department is aware of your plans. Make sure to provide a phone number where you can be reached at your destination.

To report a lost or stolen VISA Credit Card, please notify VISA’s Global Customer Assistance Center as soon as possible, and then contact the credit union at [email protected] so we can issue a new card.

• 1-833-574-3473 (U.S.)
• 909-204-3895 (International)

Log in to the Card Management Site and click on Account Services, and then “Dispute Transactions”. There, follow the instructions and our fraud department will open a case –as well as cancel your credit card to avoid additional fraudulent transactions. If you do not have online access to your account, please contact us:

• By phone: 202.458.3834
• or by email: [email protected]

TrueCar is an information and technology platform that enables its users to communicate with TrueCar Certified Dealers for a great car buying experience. Their mission is simple: make the car buying process simple, fair and fun. Achieving this goal begins with TrueCar analyzing the most accurate, timely and comprehensive pricing information available and then making it easy to understand and available to all; free of charge. This kind of pricing information, which has only recently become available, will allow you to recognize a fair price based on what others actually paid. The result: consumers and dealers now have a guide that helps them establish a baseline of trust and agree on the parameters of a fair deal.

They have partnered with a national network of more than 13,000 dealers (representing about 35% of all franchised dealers) who share the belief that truth, transparency and fairness are the foundation of a great car buying experience.

TrueCar obtains and processes data from well-known data aggregators within the automotive space to ensure that they present the most accurate pricing information available. They also acquire vehicle configuration data, customer and dealer incentives data, financing and loan data, vehicle registration and insurance data, and much, much more. Their data is among the most timely and comprehensive in the industry. TrueCar’s sampling of the total number of car sales nationwide provides them with significant confidence that their data is representative of the market as a whole. Statistical analysis shows that on the whole, they have 99.1% confidence that their projected Average Paid Price per new car sale in a given week is within $20 of the average price of all nationwide sales transactions during that week. However, please keep in mind that this is the average for all vehicles. If you are evaluating the average price for any specific vehicle (particularly one with very low sales volume), the deviation from the national average for that vehicle can be substantially greater.

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.

No, however we do offer lease buyout financing.

Not necessary. You may apply for a vehicle loan regardless of your citizenship or place of residence. The only condition must be that the car is in the U.S while being financed, and that you receive a salary from one of the organizations we have institutional agreement with (CAF, OAS, IICA, IADB, ICHR, CATIE). If you have further questions, please 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.

As soon as your loan is paid in full, we will release the lien on the car title and will send it by mail. Once you receive the title, visit your local DMV to obtain a lien-free title and have OAS FCU’s lien removed from the state records.

We recommend that, since making those monthly payments are already part of your budget, that you set up the “automatic transfer” function to deposit those funds into your savings account and without having to worry about the monthly due date of the loan.

Yes, you remain liable for any taxes on the vehicle or your use of the vehicle.

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.

In order to refinance your current auto loan, OAS needs the following information:

• Vehicle make and model (e.g. Make: Honda ; Model: Civic)
• Vehicle year
• Vehicle mileage
• Vehicle Identification Number (VIN)
• Name of current lender
• The loan account number

When you refinance your auto loan, you replace your existing auto loan with a new loan from a different lender that offers better interest rates and flexible repayment terms. With easier repayment options, you can save money each month and pay off your loan quickly.

If you would like to increase your credit card limit please click here to fill out the required form.

To report a lost or stolen VISA Credit Card, please notify VISA’s Global Customer Assistance Center as soon as possible, and then contact the credit union at [email protected] so we can issue a new card.

• 1-833-574-3473 (U.S.)
• 909-204-3895 (International)

With the Falcon Fraud detection system, you will receive continual monitoring of your card activity to help identify and prevent fraudulent transactions in your account.

If Falcon Fraud Prevention believes there is suspect activity in your account, they will contact you directly to verify transactions with your VISA Credit Union card. If Falcon is not able to reach you directly, they will leave a voicemail with a call back number to verify transactions with your Credit Union Visa card, or they may block your account for security reasons.

You can always reactivate your account by calling one of the following numbers:

VISA Credit Card:

• 1-833-574-3473 (U.S.)
• 909-204-3895 (International)

You can manage your payments directly from the MyCardInfo:

• You can add a payment account
• You can make single payments or establish recurring payments
• You can also ask us to establish an automatic recurring payment directly from your OAS FCU account
• You can also call us or VISA to request a payment

Log in to the Card Management Site and click on Account Services, and then “Dispute Transactions”. There, follow the instructions and our fraud department will open a case –as well as cancel your credit card to avoid additional fraudulent transactions. If you do not have online access to your account, please contact us:

• By phone: 202.458.3834
• or by email: [email protected]

You can access your credit card account anytime and anywhere by using our MyCardInfo platform from your Online Banking. You have direct access to the platform and can use your same user ID and password.

Yes, you can request a PIN for your Credit Card to make cash advances at an ATM. Even though we don’t charge a fee for cash advances, some other costs may be involved such as the fee charged by the ATM.  Send the request to [email protected] and it will be sent by mail.

Before your trip, we recommend you visit our Travel Tips page so you can use your card to make purchases, payments and withdrawals anywhere, safe and conveniently. You should note that our Falcon Fraud Prevention Service usually activates when there are international transactions on your card(s). We recommend you notify the Credit Union if you are planning on traveling outside of your state.

If you would like to increase your credit card limit please click here to fill out the required form.

To report a lost or stolen VISA Credit Card, please notify VISA’s Global Customer Assistance Center as soon as possible, and then contact the credit union at [email protected] so we can issue a new card.

• 1-833-574-3473 (U.S.)
• 909-204-3895 (International)

With the Falcon Fraud detection system, you will receive continual monitoring of your card activity to help identify and prevent fraudulent transactions in your account.

If Falcon Fraud Prevention believes there is suspect activity in your account, they will contact you directly to verify transactions with your VISA Credit Union card. If Falcon is not able to reach you directly, they will leave a voicemail with a call back number to verify transactions with your Credit Union Visa card, or they may block your account for security reasons.

You can always reactivate your account by calling one of the following numbers:

VISA Credit Card:

• 1-833-574-3473 (U.S.)
• 909-204-3895 (International)

You can manage your payments directly from the MyCardInfo:

• You can add a payment account
• You can make single payments or establish recurring payments
• You can also ask us to establish an automatic recurring payment directly from your OAS FCU account
• You can also call us or VISA to request a payment

Log in to the Card Management Site and click on Account Services, and then “Dispute Transactions”. There, follow the instructions and our fraud department will open a case –as well as cancel your credit card to avoid additional fraudulent transactions. If you do not have online access to your account, please contact us:

• By phone: 202.458.3834
• or by email: [email protected]

Once you access your MyCardInfo, your account summary displays the points you have earned. To use them, simply click on the “view rewards” button, and you will be redirected to the Scorecard site and browse the categories based on your preference. You can choose between travel, electronics, home, recreation, etc. You can also contact [email protected] to redeem point for airfare purchased.

You can access your credit card account anytime and anywhere by using our MyCardInfo platform from your Online Banking. You have direct access to the platform and can use your same user ID and password.

Yes, you can request a PIN for your Credit Card to make cash advances at an ATM. Even though we don’t charge a fee for cash advances, some other costs may be involved such as the fee charged by the ATM.  Send the request to [email protected] and it will be sent by mail.

Before your trip, we recommend you visit our Travel Tips page so you can use your card to make purchases, payments and withdrawals anywhere, safe and conveniently. You should note that our Falcon Fraud Prevention Service usually activates when there are international transactions on your card(s). We recommend you notify the Credit Union if you are planning on traveling outside of your state.

Our rewards program is handled through ScoreCard Rewards. There’s no limit on the number of points you can earn, and points last for five years until they expire. Here’s the breakdown:

• Our ScoreCard program gives you 2 points per $1 dollar spent on net
• With ScoreMore, you can earn 3 or 4 points on certain purchases

• If the person has not yet enrolled with Zelle®, you can try to cancel the payment. To check whether the payment is still pending, go to your Zelle® activity page in our OAS FCU Online and Mobile Banking, find your transaction to see if it is still listed and pending, and if so, choose the payment you want to cancel, and then select “Cancel This Payment.”  
• If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account and cannot be canceled. 
• If the payment is no longer pending, please call us at 202-458-3834 or send us an email to: [email protected], so we can help you. 

Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank¹.

You can send, request, or receive money with Zelle®. To get started, log in to your OAS FCU’s Online or Mobile Banking and under “Payments” select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes¹.

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your OAS FCU account, typically within minutes¹.

It’s easy — Zelle® is already available within the OAS FCU’s Online and Mobile Banking! Check our app and follow a few simple steps to enroll with Zelle® today.

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.

If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click “Transfer” when prompted during the Zelle® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile phone number, it will be connected to your OAS FCU account, and you can start sending and receiving money with Zelle® right away.

Please call customer support toll-free at 202-458-3834 for help.

When you enroll with Zelle® through your OAS FCU Online and Mobile Banking, your name, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with OAS FCU). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies OAS FCU of the incoming payment. OAS FCU then directs the payment into your OAS FCU account, all while keeping your sensitive account details private. 202-458-3834

Keeping your money and information safe is a top priority for OAS FCU. When you use Zelle® within our Online or Mobile Banking, your information is protected with the same technology we use to keep your OAS FCU account safe.

You can send money to friends, family and others you trust even if they have a different bank or credit union¹.

Since money is sent directly from your OAS FCU account to another person’s bank or credit union account within minutes¹, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither OAS FCU nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor¹.

Since money is sent directly from your OAS FCU account to another person’s bank or credit union account within minutes¹, Zelle® should only be used to send money to friends, family and others you trust.

Neither OAS FCU nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.