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Life is full of surprises—a wedding, an unexpected bill, or that dream to adopt. Our personal loans are your trusted ally.

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Build your tomorrow, your way. Start simple or grow your funds from anywhere in the world.

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Rewards Checking

Make every purchase count with a Share Draft Rewards Checking Account that gives back.

Share Savings

Start your journey with just $5 and become a member-owner of OAS FCU. Flexible savings accounts designed to help you save for any goal — big or small. No monthly fees, plus your money grows with competitive dividends.

RoundUp Savings

Turn your everyday purchases into effortless savings. Round up your debit card posted purchases to the nearest dollar (or more). Your spare change goes from your Share Draft Checking Account into your RoundUp savings, growing automatically with dividends and no fees.

Savings Club Accounts

Set aside money on at your pace with monthly deposits and daily compounding dividends. Funds are locked until your goal date to keep you on track — with no monthly service fees.

Share Certificates

Lock in a fixed dividend rate for a term between 3 and 60 months. Start with as little as $500 and watch your savings grow safely with daily compounding of dividends. Early withdrawals have penalties, so plan ahead.

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Manage Accounts

Move money worldwide, open new accounts, manage credit cards and loans, automate payments, deposit checks, review documents, set alerts, and chat with us — all without switching apps or visiting a branch.

Transfers & Payments

Your financial life moves across countries, institutions, and time zones. Your transfers should be just as fluid.

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Online Banking

Mobile Wallets

Account Alerts

Debit Card Management

Click-Pay: Online Bill Pay
Bank with OAS FCU
Personal Loans Green Loans Secured Loans International Loans Debt Consolidation View All Personal Loans

Auto Loan Auto Refinancing Hybrid/Electric Auto Loans View All Vehicle Loans

Home Mortgages Home Equity Line of Credit Home Refinance HomeAdvantage® Non-U.S. Citizen & International Member Home Loans Second Homes & Investment Properties View All Home Loans

Post Secondary Education View All Student Loans
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Buying, refinancing, or tapping your home’s equity shouldn’t be overwhelming.

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Personal Loan APR as low as 9.75%

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.

Personal Loan APR as low as 8.44%

Green Loans

Our low-rate² Green Loan powers your energy-saving and sustainability-related upgrades without the heavy upfront cost.

Personal Loan APR as low as 2.60%

Secured Loans

Use your share savings or share certificate as collateral — unlocking better variable loan rates without giving up your savings.^1,2

Personal Loan APR as low as 16.75%

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.

Vehicle Loan APR as low as 4.75%

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.

Vehicle Loan APR as low as 5.25%

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.

Vehicle Loan APR as low as 4.5%

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.

Home Loan

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).

Home Loan APR as low as 6.25%

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.

Home Loan

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

HomeAdvantage®

Non-U.S. Citizen & International Member Home Loans

Second Homes & Investment Properties

Student Loan APR as low as 7.75%

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.

Manage Accounts

Move money worldwide, open new accounts, manage credit cards and loans, automate payments, deposit checks, review documents, set alerts, and chat with us — all without switching apps or visiting a branch.

Transfers & Payments

Your financial life moves across countries, institutions, and time zones. Your transfers should be just as fluid.

Helpful Links

Loan Payment Portal

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Rates & Fees

Mortgage Management
Borrow with OAS FCU
Plan with OAS FCU Traditional IRA IRA Share Certificates Investment Opportunities Personal Financial Management Virtual Appointments GreenPath
Plan for your future

Making smart financial decisions is essential for building wealth and preparing for retirement.

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Financial Counseling

Virtual Appointments

GreenPath

Traditional IRA

Save for retirement with tax advantages that help your money grow faster and tax-deferred until withdrawal. Combine flexibility with security by choosing a Traditional IRA.

Minimum deposit: $0

Flexible contributions

Tax advantages and potential deductions; early withdrawals penalized

Federally insured separately from your other deposit accounts

Best for retirement savers seeking tax benefits and steady growth.

IRA Share Certificates

Save for retirement with tax advantages that help your money grow faster and tax-deferred until withdrawal. Lock in higher guaranteed returns with an IRA Share Certificate.

Minimum deposit: $500 to open IRA Share Certificate (must have Traditional IRA)

Fixed 36-month term with higher dividends.

Tax advantages and potential deductions.

Federally insured separately from your other deposit accounts.

IRA Share Certificate funds remain in IRA; early withdrawals penalized.

Best for retirement savers seeking tax benefits and steady growth.

Personal Financial Management

Take charge of your finances with our contextual Personal Financial Management (PFM) tool — seamlessly integrated into the Online Banking & Mobile app.

Investment Opportunities

Talk investments with an expert. Saving for tomorrow is easier when someone truly listens.
Debit Card Debit Card Management

All Credit Cards VISA Classic VISA Platinum Secured Visa ScoreCard® Rewards Balance Transfer Credit Card Management
- Mobile Wallets
- Transfers & Payments
Your OAS FCU Debit Card opens doors to everyday convenience — from surcharge-free ATM access to secure payments and rewards on daily spending.

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Choose the perfect card to build credit, save money, or earn rewards. Our credit cards are built to support how you live and spend.

See all options

Debit Card

Debit Card

Access thousands of surcharge-free ATMs, earn rewards through your Rewards Checking account, control spending, and pay securely everywhere you go.

Swipe or shop online anywhere Visa® is accepted.

Add it to your mobile wallet or wearable wallet.

Use it for your monthly subscriptions.

Turn small payments into smart savings with RoundUp Account.

Download the CardNav App

Credit Card APR as low as 9.75%

Visa Classic

The Visa Classic Card is designed for daily use and credit building—perfect if you want a reliable card with a low interest rate to manage everyday expenses and pay down balances faster.

Up to $10,000 credit limit

Low interest rate for everyday use

No international transaction fees

Credit Card APR as low as 11.75%

Visa Platinum

Earn unlimited points on every purchase and bonus points each quarter. Enjoy a credit limit of up to $30,000 with flexible rewards.²

Unlimited rewards points on all purchases (2)

Flexible redemption options worldwide (2)

Up to $30,000 credit limit (1)

Credit Card APR as low as 9.75%

Secured Visa

Perfect for building or rebuilding credit safely.² Your credit limit is backed by your deposit, which earns dividends¹ while supporting responsible credit use.

Credit limit equals your secured deposit

Monthly credit reporting to build credit

Deposit earns interest while locked in

Download the OAS FCU Mobile App

Mobile Wallets

Add your OAS FCU card to Apple Pay, Google Pay, Samsung Pay, Garmin Pay, or Fitbit Pay.

Transfers & Payments

Your financial life moves across countries, institutions, and time zones. Your transfers should be just as fluid.

Helpful Links

Debit Card Management

Credit Card Management

ScoreCard® Rewards

Balance Transfer
Paying with OAS FCU
All Insurances Auto Disability
Insurance Options

Explore a range of insurance options for your health, life, home, car, travels, and loved ones — all through one convenient platform.

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Auto Insurance

If your car is totaled or stolen, help cover the difference between what your auto insurance pays and what you still owe on your loan.

Credit Life and Credit Disability Insurance

This voluntary coverage may help make your loan payments in the event of a covered disability, or pay off or reduce your eligible loan balance in the event of death, up to policy maximums.

Helpful Links

Fraud Prevention

CU vs. Bank

Personal Financial Management

Virtual Appointments

GreenPath Counseling
Resource Center Financial Education Educational Modules
A diverse collection of blog articles and resources designed to keep members informed and empowered.

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Resources designed to help members build strong money management skills at every stage of life

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A digital learning platform designed to help members build essential financial skills at their own pace.

Financial Education

Latest Insights

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Blogs News

A tax deduction for new cars: What you need to know

11/05/2025 Terry Inskip

If you are thinking about buying a new car in the future, there is a new car loan tax deduction that could make the decision a little easier—and a lot more affordable.

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Blogs Banking

Free up some cash for the holiday season with OAS FCU

11/01/2021 Terry Inskip

We have several options that can provide you a bit of extra cash for the holiday season!

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How To's Banking

Virtual appointments with OAS FCU

02/01/2021 Terry Inskip

Here’s how to use the new virtual appointment service from the Credit union.

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Blogs Banking

ARM vs. Long-Term Balloon. Which make more sense?

10/27/2018 Patricia

Choose the appropriate home and mortgage program!

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Blogs Personal Finance

Buying a car in 6 steps

10/23/2018 Patricia

Buying a car requires research. That’s why we’re here to help you figure out the important things, ensuring that you get the right set of wheels at the right price.

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Latest Insights

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Blogs Banking

Is a Home Equity Investment worth it?

11/19/2025 Terry Inskip

Home Equity Investment vs. HELOC: What you need to know before you tap your home's value.

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Blogs Banking

How does OAS FCU insure your deposits?

09/26/2025 Terry Inskip

If you have ever wondered whether all your savings are protected by deposit insurance at the Credit Union, you're not alone.

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Blogs Banking

How to send money with Zelle® safely

03/14/2025 Terry Inskip

Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA mom, or your son's soccer coach. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money.

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Blogs Scam and Cyber Crimes

What they're up to - Impersonating OAS FCU on social media!

02/21/2025 Terry Inskip

We publish this extra issue of the blog as a security warning to our members and any consumers that may find themselves affected.

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Blogs Young Finance

Exclusive scholarships for OAS FCU members and their families for 2026

02/07/2025 Terry Inskip

Members of OAS FCU who are studying for their undergraduate degrees or attending trade school in the US have the chance to participate in a select scholarship opportunity.

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Blogs News

Important Social Security Updates for Retirees in 2025

01/16/2025 Terry Inskip

As we welcome 2025, big changes to Social Security will impact retirees and those nearing retirement. Staying informed is key to maximizing your benefits and planning for financial stability in your golden years. Whether you're already drawing Social Security or preparing to apply, here's what you should know.

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Educational Pathways

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Educational Modules

Personalized Playlist

03/22/2026

Get your personalized playlist.

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Educational Modules

Financial Foundations

03/22/2026

Understand the basics of some key financial concepts.

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Educational Modules

Small Business Essentials

03/22/2026

Understand the financial basics of managing a small business.

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Educational Modules

Financial Caregiving

03/22/2026

Learn more about the responsibilities of caring for another person's finances.

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Educational Modules

Investing in Your Future

03/22/2026

Learn how to be more financially prepared in the years ahead.

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Educational Modules

Owning a Home

03/22/2026

Explore the benefits and costs of buying and owning a home.

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Manage Accounts

Move money worldwide, open new accounts, manage credit cards and loans, automate payments, deposit checks, review documents, set alerts, and chat with us — all without switching apps or visiting a branch.

Transfers & Payments

Your financial life moves across countries, institutions, and time zones. Your transfers should be just as fluid.

Helpful Links

Fraud Prevention

Personal Financial Management

Virtual Appointments

GreenPath Counseling
Learn About OAS FCU
Support & Help Branches & ATMs Rates & Fees About OAS FCU Membership Community Involvement Volunteering Elections Security at OAS FCU
Who We Are – Our Story

OAS FCU was born from a simple but powerful idea: people taking care of people. Today, we are proud to serve members whose lives cross borders—people who travel, relocate, and need their finances to move with them.

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Belong to something bigger

In the credit union world, membership is based on shared eligibility and affiliation. At OAS FCU, membership means belonging to a global community built on trust, care, and connection.

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Together, our impact reaches far beyond banking

Community involvement at OAS FCU is rooted in who we are — a cooperative built on care, responsibility, and collective strength. Our members live around the world, and so does our commitment to supporting their financial wellbeing and the communities where they work and live.

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Be the Change: Volunteer at OAS FCU

As a member of OAS FCU, you have a unique opportunity to serve your community and help shape the future of your credit union. Our Board of Directors and committees are made up of real members who volunteer their time and expertise to keep OAS FCU strong and member-focused — not driven by profit, but by people.

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Your voice matters — you’re not just a member; you’re an owner

At OAS FCU every eligible member has a vote. When you vote, you shape who leads the credit union, how it is governed, and the values that guide our decisions.

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Your security, our priority.

Every OAS FCU tool — from Online Banking to your Visa card — is backed by layers of protection that work quietly in the background to keep your information safe and bring you peace of mind.

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More about security at OAS FCU

NCUA Insurance Fund  Visa Zero Liability Secure Message Center Multi-factor authentication

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Rates & Fees

Competitive rates and costs associated with our financial products and services.

Support & Help

Connect with our team for personalized support.

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Use the correct information for each type of transfer

Your routing information depends on the type of transaction you’re making.

Using the correct details ensures your money arrives safely and without delays.

For ACH Transactions

Use this routing number for:

Direct deposit
Payroll
Bill pay
Recurring transfers
External transfers between banks.

ACH Routing Number: 254075069

Tip: You can find your routing and account number anytime in Online Banking under Account Details, or at the bottom of your checks.

For Incoming Wire Transfers

Incoming wires are processed through OAS FCU’s correspondent institution. To ensure funds reach your OAS FCU account, the sender must include all the information exactly as listed below.

Bank Name:
VIZO FINANCIAL CORPORATE FCU

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

Bank ABA/Routing Number:
231387550

Beneficiary Account Name:
OAS FCU - (Your Name)

Beneficiary Account Number:
254075069 - (Your Account Number)

Account Address:
1889 F ST NW, WASHINGTON DC 20006

Important: The sender must include your full name and your OAS FCU account number so we can apply the funds correctly. Important: To help us apply the funds correctly, please make sure the sender includes your full name and OAS FCU account number. Missing or inaccurate information could cause delays in processing the wire.

If you need help determining which routing number to use, start a chat through Let’s Talk.

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.

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Latest Insights

Latest Insights

Educational Pathways

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Who We Are – Our Story

Belong to something bigger

Together, our impact reaches far beyond banking

Be the Change: Volunteer at OAS FCU

Your voice matters — you’re not just a member; you’re an owner

Your security, our priority.

Find a branch or ATM near you

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