HELOC Introductory Rate Special - OAS FCU

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- - 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 ProtectionAvailable 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
  - 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
  - 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
- - 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
- - 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 Loan
  - Home Equity Line of Credit
- - 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
- - Debit CardNav
  - Travel Notice

Join OAS FCU

HELOC Introductory Rate Special

Interest Rate*	Term	Interest Rate* After First Year
2.50%	The first 24 months	As listed above (4.00% - 7.25%)

* APR: Annual Percentage Rate. The rate is non-variable for the first 24 months of the loan. After that, the interest rate will be variable and therefore subject to change without notice on any of the following dates: the last day of March, June or September or December. The rate after the 24-month introductory fixed rate period ends is currently set starting a 4.00% APR as of March 31, 2021. The rate on this loan will never exceed 18% APR. An OAS FCU’s Home Equity Line of Credit is available for owner-occupied properties only. It is subject to a credit and repayment evaluation process, and you may not qualify or may qualify for a loan with different terms. OAS FCU will lend a maximum 80% combined Loan-to-Value (CLTV) based on the appraised value of the property. The minimum Home Equity Line of Credit amount is $20,000 with an initial advance of $5,000. Subsequent advances will be of a minimum of $500. The draw period will extend for the first five (5) years after the opening of the line of credit. Appraisal, tax recording and other closing costs apply and will be at your expense. Please consult a tax advisor on the tax deductibility of interest.

Limited time offer for the listed discounted fixed rate.