Loan Options
Personal Loans
Life is full of surprises—a wedding, an unexpected bill, or that dream to adopt. Get quick access to funds with flexible loan terms that help you embrace every milestone with confidence and ease.
- Borrow up to $35,000 with flexible 1–6 year terms (1,2)
- Unsecured loans—no collateral required
- Funds are typically available quickly after signing, subject to verification (4)
- Option to skip up to two non-consecutive payments per calendar year (3)
Green Loans
Our low-rate2 Green Loan powers your energy-saving and sustainability-related upgrades without the heavy upfront cost.
- Up to $15,000 (1) for energy-saving or sustainability-related projects
- Covers small energy-saving upgrades (eligible U.S. projects only) (6)
- One of our most competitive fixed personal loan rates, with terms up to 42 months (2)
Secured Loans
Use your share savings or share certificate as collateral — unlocking better variable loan rates without giving up your savings.1,2
- Lower interest rates by using your savings as collateral (1,2)
- Borrow up to 100% of your deposit without touching it (1,3)
- Continue earning dividends while repaying your loan (4)
- Terms up to 10 years for manageable payments (2,3)
International Loans
If you’ve been an OAS FCU member for at least two years and have two years of continuous employment or a verifiable pension income, you may qualify for an unsecured personal loan of up to three times your monthly income.
- Borrow up to three times your monthly income, up to $5,000 (1)
- No SSN or U.S. credit checks required (6)
- Easy 3-year repayment schedule (2)
- Skip up to two non-consecutive payments per calendar year (3)
- No fees to apply or pay off early
- Pay conveniently online from anywhere in the world (7)
Auto Loans
Take the wheel of your dream vehicle—whether you’re upgrading from a minivan to a sedan, setting sail on your first boat, hitting the road on a motorcycle. We make securing the perfect loan effortless so you can spend less time worrying and more time living.
- Roll related costs into your loan—no surprises.
- No application fees or prepayment penalties—pure transparency.
- Easy online payments from any account or card.
- Protection options like GAP Plus and Life Plus for peace of mind.
- Exclusive discounts for hybrids and electric vehicles—drive green, save green.
Auto Refinancing
Refinancing with OAS FCU is your fast lane to lower monthly payments and better rates—and sometimes even extra cash when you need it most. Imagine paying less each month and having the freedom to pay off your loan on your terms—no penalties, no stress.
- Lower your monthly payment
- Reduce your interest rate
- Choose repayment terms up to 7 years(1)
- No prepayment penalties or hidden fees
- Skip up to 2 non-consecutive payments per year, penalty-free(2)
- Rate discounts available for hybrid and electric vehicles.
Hybrid/Electric Auto Loans
Choosing a hybrid or electric car means that you care about the future—and so do we, both the planet’s future and yours. We’ve got your back with financing options that go beyond the car—like extra cash to set up your personal charging station.
- APR discount for hybrids and electric vehicles
- Flexible terms (up to 9 years), fixed(1) or variable(2) rates
- Finance up to 125% including charging stations
- No prepayment penalties
- Easy online and automatic payments.
Home Mortgages
Whether you’re home or abroad, staying on top of your mortgage is simple and secure with OAS FCU’s Mortgage Management Site — powered by our trusted partner, Credit Union Mortgage Association (CUMA).
- See your balance, rate, payment schedule, escrow, and amortization
- Schedule AutoPay, make one-time payments, or review your payment history directly in the portal
- View loan statements, tax and insurance(T&I) disclosures, annual 1098 tax forms, and key correspondence
- Review or update your contact and mailing details anytime
- Use the Help & Support tab to submit a payoff
Home Equity Line of Credit
Tap into the value of your U.S. home to fund renovations, consolidate debt, or plan big goals — with flexible options designed to adapt to your needs.
- Access funds as needed through a revolving credit line
- Competitive variable rates based on current market conditions
- No prepayment penalties
- Perfect if you live abroad and need access to U.S.-based funds
Home Refinance
Lower your rate, adjust your term, or tap into your home’s equity — with clear guidance to help you choose financing that fits your goals
- Competitive rates, transparent pricing, and no prepayment penalties
- Experience working with international employment contracts and multilateral organization staff within our field of membership
- Digital application, secure uploads, and clear status updates every step of the way
- Options to lower payments, adjust loan terms, or access equity, based on eligibility and program guidelines
Post-Secondary Education Loan
Our Post-Secondary Education Loan offers up to $15,000 to cover your costs with flexible repayment terms and competitive variable rates.
- Loans up to $15,000 for educational expenses.
- Competitive variable rates.
- Repayment terms up to 4 years.
- No fees to apply or pay off early.