Deposit Account Rates
Rates are effective as of 05/01/2022
Share Savings
APY* | Share Value |
---|---|
0.05% | $5 |
*APY Annual Percentage Yield.
Reward Checking
APY* | Balance |
---|---|
0.03%-2.03%** | See below |
*APY Annual Percentage Yield
** 2.03% APY applies to balances of $0 - $6,000 and 0.03% 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
Term | APY* | Minimum amount |
---|---|---|
6 months | 0.10% | $2,500 |
12 months | 0.35% | $2,500 |
12 months jumbo | 0.40% | $100,000 |
18 months | 0.40% | $2,500 |
18 months jumbo | 0.45% | $100,000 |
24 months | 0.50% | $2,500 |
24 months jumbo | 0.55% | $100,000 |
30 months | 0.75% | $2,500 |
30 months jumbo | 0.80% | $100,000 |
36 months | 0.60% | $2,500 |
36 months jumbo | 0.65% | $100,000 |
48 months | 0.70% | $2,500 |
48 months jumbo | 0.75% | $100,000 |
60 months | 0.80% | $2,500 |
60 months jumbo | 0.85% | $100,000 |
*APY Annual Percentage Yield.
Step-Up Share Certificates
Term | APY* | Minimum Amount | Rate Increase |
---|---|---|---|
12 months | 0.10% | $2,500 | One time |
12 months jumbo | 0.15% | $100,000 | One time |
18 months | 0.15% | $2,500 | One time |
18 months jumbo | 0.20% | $100,000 | One time |
24 months | 0.25% | $2,500 | One time |
24 months jumbo | 0.30% | $100,000 | One time |
36 months | 0.35% | $2,500 | One time |
36 months jumbo | 0.40% | $100,000 | One time |
48 months | 0.45% | $2,500 | Twice |
48 months jumbo | 0.50% | $100,000 | Twice |
60 months | 0.30% | $2,500 | Twice |
60 months jumbo | 0.35% | $100,000 | Twice |
*APY Annual Percentage Yield.
Jr. Share Certificates
Term | APY* | Amount | Monthly Deposit Required |
---|---|---|---|
12 months | 0.15% | $500 | Over $50 and up to $1,000 |
24 months | 0.30% | $500 | Over $50 and up to $1,000 |
36 months | 0.40% | $500 | Over $50 and up to $1,000 |
48 months | 0.50% | $500 | Over $50 and up to $1,000 |
*APY Annual Percentage Yield.
Savings Club (does not include Reward Club accounts)
Term | APY* | Requirements |
---|---|---|
12 months | 0.30% | Monthly Deposits |
*APY Annual Percentage Yield.
Retirement Accounts (IRA)
Type | APY* |
---|---|
Traditional IRA | 0.15% |
IRA Share Certificate (36 Month) | 0.60% |
*APY Annual Percentage Yield.
Overdraft Protection
APR* | Credit Limit |
---|---|
13.99% | Up to $7,000 |
* 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 Vehicles
APR* | Term | Loan Amount |
---|---|---|
4.00% - 12.00% | Up to 5 years | Any, if approved |
4.00% - 13.00% | 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.
Fixed rate auto loan special
APR* | Term | Type of vehicle |
---|---|---|
1.74% | Up to 4 years | New & Used (3Yrs Old) |
2.49% | Up to 6 years | New & Used (3Yrs Old) |
1.49% | Up to 4 years | New & Used (3Yrs Old) Hybrid/Electric cars only |
2.24% | Up to 6 years | New & Used (3Yrs Old) 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 Vehicles
APR* | Term | Loan Amount |
---|---|---|
4.00% - 11.50% | Up to 5 years | Any, when approved |
4.00% - 12.50% | Between 6 and 7 years | Any, when approved |
4.00% - 4.50% | Between 8 and 9 years | Over $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.
Boats, Motorcycle and RVs
Type | APR* | Term | Loan Amount |
---|---|---|---|
New | 4.00% - 13.50% | Up to 5 years | Any, when approved |
Used | 4.00% - 14.00% | Up to 5 years | Any, 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 Loan | APR* | Term | Loan amount |
---|---|---|---|
Signature | 6.50% - 16.50% | Up to 6 years | Up to $35,000 |
Deposit Secured (Shares and Share Certificates) | 2.5% above the rate paid on deposit pledge | Up to 10 years | Available balance on deposit pledge |
Post-Secondary Education Loan | 4.50% - 6.50% | 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.
Fixed Rate Personal Loans
Type of Loan | APR** | Term | Loan Amount |
---|---|---|---|
Green Loan | 4.22%* | Up to 42 months | Up to $15,000 |
Personal Relief Loan | 5.25% - 5.75%*** | Up to 5 Years | Up 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
Type | Term | Rate |
---|---|---|
Fixed | 30, 20, 15 and 10 years | Today's Rate |
Balloon | 15, 10 and 7 years | Today's Rate |
ARM | 15/15, 10/1, 7/1 and 5/1 year | Today's Rate |
FHA Fixed | 30 and 15 years | Today's Rate |
VA Fixed | 30 and 15 years | Today's Rate |
Home Equity Line of Credit
Interest Rate* | Term |
---|---|
4.00% - 8.00% | 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.
HELOC Introductory Rate Special
Interest Rate* | Term | Interest Rate* After First Year |
---|---|---|
2.50% | The first 24 months | As listed above (4.00% - 7.25%) |
* APR: Annual Percentage Rate. The rate is non-variable for the first 24 months of the loan. After that, OAS FCU the rate will switch to the current rate at that time. The current rate after the 24-month introductory fixed rate period ends is listed above.
OAS, IICA & Other SEGs
Type | APR* | Terms | Loan Amount |
---|---|---|---|
OAS Retirement & Pension Plan | 5.50% | Up to 15 years | Up to $65,000 |
IICA Recognition of Years of Service | 7.50% | Up to 15 years | Up to 100% of accrued benefit |
OAS Benefits | 7.50% | 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 | 10.99% - 15.99% | Up to $30,000 |
VISA Classic | 8.99% - 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.