Home Equity Line of Credit

Contact & LocationsContact
Choose Your Language
- English
- Español (Spanish)
Mobile Apps
- Apple
- Android
Online Banking
User Name Password Login

Forgot password or username?

Enroll in Online Banking

NO RISK. HIGH RETURNS.

Embrace stability and maximize your savings with our Share Certificate special.

Earn 5.13% APY* for 9 months.

Email us to get started.

*The 9-month promotional Annual Percentage Yield (APY) listed is effective as of 09/13/2023 and is only available for funds deposited within the last 60 days (new money). Rate and promotion are subject to change at any time, without notice. Fees may reduce earnings. Minimum deposit of $500. A 9-month certificate will automatically renew to an 12-month term upon maturity unless action is taken. Penalty for early withdrawal may apply. Other restrictions may apply.

Please be aware that our online banking platform will no longer support Internet Explorer 11, as of April 7, 2020.

We apologize for any inconvenience this may cause you.

- - 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\
- - 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\
- - 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\
- - 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
  - Loan Payment Portal\
- - Debit CardNav
  - Travel Notice

Join OAS FCU

Home Equity Line of Credit

APR*	Term
7.75% - 12.25%	Up to 15 years

* APR: Annual Percentage Rate. OAS FCU lists rate ranges that are applied during loan evaluation. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, you might be approved for a smaller loan than you requested, and/or certain other conditions may apply; your loan might also be denied. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that index as reference and, after the introductory fixed rate period concludes, your rate may change on any of the following dates: the last day of March, June or September or December. An increase in rate might affect your payment amount. The rate on this loan will never exceed 18% APR.