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Our Rates

Loan Rates

 

Vehicle Loan Special – Fixed Rate, for New and Used Vehicles

APR* TermType of vehicle
5.50% - 13.50%Up to 4 yearsNew & Used (3 Years Old - 2022 or newer)
5.99% - 13.99% Up to 6 yearsNew & Used (3 Years Old - 2022 or newer)
5.25% - 13.25%Up to 4 yearsNew & Used (3 Years Old - 2022 or newer) Hybrid/Electric cars only
5.74% - 13.74%Up to 6 yearsNew & Used (3 Years Old - 2022 or newer) Hybrid/Electric cars only

This fixed interest rate loan special is available for the purchase of new and used vehicles up to 3 years old.

*APR means annual percentage rate. This is a limited time offer. Based on the results of your credit evaluation and the analysis of your repayment ability, your rate will be within this range, and/or you might be approved for a smaller loan than you requested; your loan might also be denied.

New Vehicle Loan – Variable Rate

APR*TermLoan Amount
6.50% - 16.50% Up to 5 yearsAny, when approved
7% - 17.50%Between 6 and 7 yearsAny, when approved
8.50% - 9.50%Between 8 and 9 yearsOver $50,000

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

Used Vehicle Loan – Variable Rate

APR*TermLoan Amount
7% - 17% Up to 5 yearsAny, if approved
7.50% - 18%Between 6 and 7 years Over $35,000

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

Boats, Motorcycle and RVs – Variable Rate

TypeAPR*TermLoan Amount
New8.50% - 18.00%Up to 5 yearsAny, when approved
Used9% - 18.00%Up to 5 yearsAny, when approved

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

Personal Loans

Type of LoanAPR*TermLoan amount
Green Loan4.22%**Up to 42 monthsUp to $15,000
Signature11.50% - 18.00%Up to 6 yearsUp to $35,000
Deposit Secured (Shares and Share Certificates)2.5% above the rate paid on deposit pledgeUp to 10 yearsAvailable balance on deposit pledge
Post-Secondary Education Loan 9.50% - 11.50% Up to 4 years Up to $15,000
International Personal Loan18%***Up to 3 yearsUp to $5,000

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

** This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.

****This is a variable rate loan. The rate is determined by adding a margin to an existing published rate (the Prime Rate published on the Wall Street Journal), and the rate may change without previous notice on the last day of March, June, September or December each year; however, your rate will never exceed 18% APR. Based on the results of your credit evaluation, and the analysis of your repayment ability, you might be approved for a smaller loan than you requested; your loan might also be denied. This loan is offered exclusively to members of OAS FCU who do not otherwise qualify for any loans via their employers as part of their employers’ relationships with the Credit Union. We offer this loan to those who have been members of OAS FCU longer than one year, and who can provide proof of employment with income exceeding 24 months. Sample repayment schedule: the monthly payment for a 3-year loan with the current rate would be $35.65 for every $1,000 borrowed.

Fixed Rate Personal Loans

Type of LoanAPR**TermLoan Amount
Green Loan4.22%*Up to 42 monthsUp to $15,000
Personal Relief Loan9%***Up to 5 YearsUp to $15,000

* This is a fixed rate and will remain the same during the entire life of the loan. Loan approval is based on a credit and repayment ability evaluation, and it is possible that you may not qualify for this loan. Loan disbursement subject to proof of purchase or invoice of the green product. Available only for members and improvements in the United States.

** APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied. Sample payment: the monthly payment for a $15,000 loan would be $451.25 in 36 installments.

***Fixed rate limited time offer loans.

Mortgage

TypeTermRate
Fixed30, 20, 15 and 10 years Today's Rate
Balloon15, 10 and 7 yearsToday's Rate
ARM15/15, 10/1, 7/1 and 5/1 yearToday's Rate
FHA Fixed30 and 15 yearsToday's Rate
VA Fixed30 and 15 yearsToday's Rate

Home Equity Line of Credit

APR*Term
8% - 13%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.

OAS, IICA & Other SEGs

Type APR*TermsLoan Amount
OAS Retirement & Pension Plan 7.75%Up to 15 yearsUp to $65,000
IICA Recognition of Years of Service 7.75%Up to 15 years Up to 100% of accrued benefit
OAS Benefits10.25%Uo to 10 years Up to $10,000

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

Credit Cards

Type APR* Credit Limit
VISA Platinum 13.25% - 16.25%Up to $30,000
VISA Classic 11.25% - 17.99%Up to $10,000
Balance Transfer(1)2.25% Up to available credit

* APR means annual percentage rate. This is a variable indexed rate based on the Prime Rate published by The Wall Street Journal. Using that rate as reference and, as it fluctuates, your loan 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. 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, you might be approved for a smaller loan than you requested; your loan might also be denied.

(1) The promotional APR is available for the first 12 months after the balance transfer. Any remaining balance remaining after that time will incur the standard rate of your card at that time.

 

Deposit Account Rates

 

Share Savings

APY*Share Value
0.40% $5

*APY Annual Percentage Yield.

Reward Checking

APY*Balance
0.05%-2.05%**See below

*APY Annual Percentage Yield

** 2.05% APY applies to balances of $0 - $6,000 and 0.05% APY applies to balances over $6,000 if qualifications are met during the monthly qualification cycle, as well as to all balances if monthly qualifications are not met. Rates may change after the account is opened. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions

Regular Share Certificates

TermDividend RateAPY**Minimum amount
6 months 4.25%4.34% $500
6 months jumbo4.30%4.39% $100,000
12 months 4.75%4.86% $500
12 months jumbo 4.80%4.92% $100,000
18 months 3.70%3.77% $500
18 months jumbo3.75%3.82% $100,000
24 months 3.85%3.92% $500
24 months jumbo3.90%3.98% $100,000
30 months 3.65%3.72% $500
30 months jumbo3.70%3.77% $100,000
36 months 3.70%3.77% $500
36 months jumbo3.75%3.82% $100,000
48 months 3.75%3.82% $500
48 months jumbo3.80%3.87% $100,000
60 months 3.85%3.92% $500
60 months jumbo3.90%3.98% $100,000

** APY Annual Percentage Yield.

Step-Up Share Certificates

TermDividend RateAPY**Minimum AmountRate Increase
24 months 3.60%3.67% $2,500 One time
24 months jumbo 3.65%3.72% $100,000 One time
36 months 3.45%3.51% $2,500 One time
36 months jumbo3.50%3.56% $100,000 One time
48 months 3.50%3.56% $2,500 Twice
48 months jumbo3.55%3.61% $100,000 Twice
60 months 3.60%3.67% $2,500 Twice
60 months jumbo3.65%3.72% $100,000 Twice

** APY Annual Percentage Yield.

Savings Club (does not include Reward Club accounts)

TypeTermAPY*Requirements
Tax12 months 0.65% Monthly Deposits
Holiday12 months 0.65% Monthly Deposits
Vacation12 months 0.65% Monthly Deposits

*APY Annual Percentage Yield.

Retirement Accounts (IRA)

TypeDividend RateAPY**Minimum Amount
Traditional IRA 0.65%$2,500
IRA Share Certificate (36 Month) 3.70%3.77%$2,500
Jumbo IRA Share Certificate (36 Month) 3.75%3.82%$100,000

** APY Annual Percentage Yield.

Overdraft Protection

Dividend RateCredit Limit
13.99%Up to $7,000