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Personal Loans

Personal Loans

Type of LoanAPR*TermLoan amount
Signature9.25% - 18%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 7.25% - 9.25% Up to 4 years Up to $15,000

* 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.